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Here is the Reds Hot Stove League show report for 3-12-08. Paul Daugherty was the host tonight. He listed the transactions today. He also said that Goodyear AZ has secured the funding for the Reds to train there which would start in 2010.
Marty joined Paul by phone. Paul asked Marty about Capellan and Marty didn't know anything about him and said that since there are so many players in camp, it is starting to resemble one of JimBo's camps. Paul asked if that was too tough to handle for the coaching staff. Marty said it is, especially for the pitching coach. He said with the exception of Bruce, the position players are pretty well set and it boils down to pitching. At some point you have to cut some players which the Reds did today and that was a good thing. (Tell that to the guys who got cut) At this point you have to start giving pitchers the necessary innings to be able to decide if they can make the team. Marty sarcastically said that the Reds struck the motherlode with Valenzuela who cost them $25K and he doesn't understand it. Marty said he talked to Braves GM Frank Wren about him after he got pounded in the intrasquad game and Wren laughed and said he will probably be getting a phone call soon. Marty said Valenzuela had no shot of making the team and he questioned the wisdom of the people who make those decisions.
After commercial, Paul asked how much Cueto has to show to make the team. Marty said not much. He said he can't remember a year a kid came into camp wit the kind of arm Cueto has, the kind of moxie Cueto has and the confidence he has. If he pitches well tonight, he should make the club. Marty told a baseball official when he watched him work the other day that he's the 3rd best pitcher on the staff and the baseball guy (Probably not Jerry Narron) said he's the 2nd best behind Harang. Paul said he only has pitched 22 innings past AA. Marty said he doesn't care. Marty used the example of Alejandro Pena who pitched in the Florida State League one year and with the Dodgers the next and was a dominant pitcher. Marty said that you shouldn't care where a kid pitched the year before if he has the makeup to pitch in the big leagues. Marty thinks there is too much concern that every prospect has to start in Billings, then go to Sarasota then go to Dayton then to Chattanooga then to LOU then to Cincy. He said if you're good enough to jump a classification or two, there isn't anything wrong with that.
Paul asked Marty about Mad Dog Volquez. Marty said he was dominant. He said the Yanks had never seen him before and he got hurt a couple of times leaving his breaking ball up but he also got a couple of outs on breaking balls. Marty said he is this close to be able to pitch up here and pitch productively. It's all about continuing to refine his breaking ball and throwing it for strikes. Marty said he read somewhere where Johann Santana throws 12 sliders a game and that's it. Marty said that he should either begin the year in the rotation or be the long guy.
Paul asked whose call this was. Marty said Wayne, Walt, Pole and Dusty are all involved. Marty said when push comes to shove, Dusty's got the 3 year deal and Wayne's expires at the end of the year so if Dusty wants to make a fuss, he'll probably get his way. (Corey Patterson, c'mon down! You're the next contestant to play CF and bat leadoff) Paul asked Marty if he thought Dusty wanted to take Mad Dog and Cueto north. Marty said absolutely unless they tank it the rest of the spring but both may not necessarily be in the rotation.
Paul asked Marty about Homer and Marty said Homer's back is against the wall in his opinion. He has to pitch well the rest of the spring to make the team. Paul asked if his stuff was as good as Mad Dog's and Cueto's. Marty said it is but the other two are more consistent in the strike zone. Marty said he's never seen anyone like Cueto before. (He doesn't get out much) The other day when he missed, he missed down and he is very impressive. Paul asked what happens if Cueto gets hit hard tonight. Marty said it won't bother him a bit. Paul clarified and asked if it alters the thinking of the powers that be. Marty said probably not but only to the extent he can't pitch bad the next time out. If he has back to back poor outings, he could be on the bubble.
Paul said that since the Reds didn't trade these young players, they better be on the 25 man roster. Marty said he doesn't think Bruce has a chance in hell of being on the 25 man roster and he thinks it would be a crime if he isn't. Paul said Greg Gajus was on his show last night (The SABR guy who helped Erardi with his pieces on Sunday) and Gajus said that the Reds need to score more runs this year and one of the ways to do that is to start Bruce 150 times. Marty said if Bruce continues to play as well as he has, they better have a viable reason that makes some sense why he doesn't. Marty thinks he won't make the team because it screws up the Reds personnel situation so bad that it's unbelievable. (Huh?) Marty said the other options are Patterson against righties, Hopper against lefties and Freel being traded.
After commercial, Paul asked how Bruce screws the personnel up. Marty said they have all those other guys and then they have Bruce and you don't know what the heck to do with the other guys. Marty said Bruce has done everything they have asked him to do and if he's sent down, whatever reason they give will fall on deaf ears if he continues to play well. Marty said if he's sent down you have your leadoff hitters in Hopper and Patterson (ick). Paul asked why they brought in Patterson. Marty said he doesn't know why they bring in guys like him and Rios and Capellan.
Paul said when Gajus was on his show last night he said Keppinger has to play somewhere every day if they want to improve the run production. Marty doesn't disagree but wants to know is the run production of the Reds so bad that they need him in there every day. (Uh, hello. You have three 8th place hitters in that lineup with Ross, Hopperson and Gonzo). Paul said the Reds were 7th in the league in runs scored last year. Marty thinks they have plenty of offense. Marty said Kepp made an error on a routine grounder the other day but he isn't concerned about his defense and he's one of two professional hitters on the team (The other being Mr. Hat.) But Marty said he will be the shortstop to begin the season.
Paul asked about Mr, Hat and who has the leg up between him and Votto for the 1B gig. Marty said he doesn't know. He said if you feel like you have to platoon Votto you need a RH 1B there and Hatteberg is a lefty hitter too. Marty mentioned Jolbert Cabrera as a possibility cause Dusty loves him. Marty feels Votto should have the inside track and thinks he does. But if he's the regular 1B, what do you do with Hatteberg. Marty said he doesn't know. (LH pinch hitter? It's not that tough, guys.)
Paul asked Marty what he thought of Sabrmetrics. Marty said he likes some of it. He felt the Erardi pieces on Sunday were very, very entertaining. He said he doesn't agree with everything they propose. He thinks any team that casts its lot with that approach will go in the tank. He thinks that's why Walt left StL because they are going that way. He said if you do a combination of SABR and "by the book" ball, you have a chance to be a pretty good team.
I guess Thom was on the second half of the show but I forgot UC was playing and they were doing the other half on the other station and I wasn't really listening to the show so I would know to change it. Sorry, gang.
Thus endeth the Reds Hot Stove League show report for 3-12-08. So let it be written. So let it be done.


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Check out the new, mobile-friendly WineSpectator.com!
Art and wine took center stage at the 27th annual Sun Valley Center Wine Auction, which raised $1,183,960 for the Arts Center in Ketchum, Idaho. On-site artists created pieces in chalk and on canvas to kick off the July 25 live auction, which contributed $939,600 to the total.
For the full article, check out the new issue of Wine Spectator, on newsstands November 3, 2008.
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Book your room at Americas Best Value Inn & Suites - Kansas City
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Situated in Kansas City, this motel is within 1 mi (2 km) of Harry S. Truman Farm Home and Bay Water Park. International House of Prayer is 2.5 mi (4 km) away.
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Along with coffee/tea in the lobby, this motel has a meeting room and a 24-hour front desk. Free continental breakfast, free WiFi in public areas, and free self parking are also provided. Additionally, tour/ticket assistance, RV/bus/truck parking, and free breakfast are onsite.
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All 81 rooms offer free WiFi, flat-screen TVs with cable channels, and free local calls.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Guests can enjoy a complimentary breakfast each morning. High-speed wireless Internet access is complimentary. Event facilities measuring 600 square feet (54 square meters) include a meeting room. This Kansas City motel also offers tour/ticket assistance, coffee/tea in the lobby, and RV/bus/truck parking. Complimentary self parking is available on site.
- 24-hour front desk
- Total number of rooms - 81
- Number of floors - 2
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- Conference space size (feet) - 600
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Guests are offered a complimentary continental breakfast each morning.
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Check-in time starts at 3 PM
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- Rollaway bed fee: USD 10 per night
We should mention
Children 11 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.


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INTERNET BANKING FOR BUSINESS Helpful information and Terms and Conditions for International Payments and Foreign Exchange Dealing For more info bnz.co.nz/international Contents PAGE 1 Section 1 Get greater efficiency and productivity with International Payments Hours of availability Currency cut-off times 2 Currency holidays 3 How to send an international payment IBAN and Swift Codes Security Transaction and daily limits Forward exchange contracts/dealer rate references 4 Exchange rates for transactions over the maximum limits Key terms 6 Section 2 International Payments in Internet Banking for Business terms and conditions 10 Section 3 Manage your foreign exchange risk with Foreign Exchange Dealing in Internet Banking for Business Hours of availability Foreign Exchange Deals list Creating new Foreign Exchange Deals Predelivering a Foreign Exchange Deals Foreign Exchange Deal confirmation Settlements Exchange Rates Unavailable Foreign Exchange Deal limits 12 Section 4 Foreign Exchange Dealing in Internet Banking for Business terms and conditions Section 1 Get greater efficiency and productivity with International Payments. International Payments is an online service, available in Internet Banking for Business (IB4B). It's designed to streamline the processing of your international payments leading to greater efficiency and productivity for your business. With International Payments you can send telegraphic transfers and transfer funds to and from your Foreign Currency accounts – using 'live' market exchange rates. Flexibility: You can use International Payments in IB4B to send telegraphic transfers and transfer funds to and from your Foreign Currency accounts Live market rates: You'll have access to real time exchange rates directly linked to the foreign exchange markets, giving you the most current rate for your nominated currency Streamlined administration: The service eliminates the need for manual processes, reducing the time your staff spend preparing international transactions Transactional history: You can track the last 13 months of your international payments and transfers in this one service Remote access: You'll be able to initiate international payments from any computer with internet access Automatic filing: Once you've saved beneficiary details in Internet Banking for Business, they are retained for future use Email notification: If you choose, we can also send automatic email notification to the beneficiary of the international payment so they know the payments is on its way Extra security: Your online banking activity is safeguarded by up to two layers of security: your password, our extra online security - NetGuard, plus another level of staff authorisation as specified by you Web- based application: You won't have to install or upgrade software Hours of availability International payments (telegraphic transfers) and transfers to or from Foreign Currency accounts can only be fully authorised between the hours of 8.00am to 6.00pm Monday to Friday (excluding public holidays). Outside of these hours, payments and transfers can be loaded in preparation for authorisation (subject to exchange rate availability). Currency cut-off times Payments from NZ dollar accounts: Payments authorised after currency cut-off (where you instruct us to debit one of your NZ dollar accounts) will be debited from your account immediately. The payment will be sent with a value date of the next valid business day. Payments from Foreign Currency accounts (FCA): Payments or transfers from/to an FCA not authorised prior to the currency cut-off can only be fully authorised by you on the next valid business day. The following page has a list of countries currency cut-off times. 1 The following table shows the cut-off times for common currencies: Current as of February 2011 Currency Code New Zealand time (normal business days) UAE Dirham AED 4.30pm Australian Dollar AUD 4.30pm Bahrain Dinar BHD 4.30pm Canadian Dollar CAD 4.30pm Swiss Franc CHF 4.30pm Danish Kroner DKK 4.30pm Euro EUR 4.30pm Fijian Dollar FJD 1.30pm British Pound Sterling GBP 4.30pm Hong Kong Dollar HKD 1.30pm Indian Rupee INR 4.30pm Japanese Yen JPY 1.30pm Kuwait Dinar KWD 1.30pm Norwegian Kroner NOK 4.30pm Papua New Guinea Kina PGK 1.30pm Mexico Peso MXN 4.30pm Pakistani Rupee PKR 1.30pm Solomon Island Dollar SBD 1.30pm Swedish Krona SEK 4.30pm Singapore Dollar SGD 1.30pm Thailand Baht THB 1.30pm Tongan Pa'anga TOP 1.30pm United States Dollar USD 4.30pm Vanuatu Vatu VUV 1.30pm Western Samoan Tala WST 1.30pm French Polynesian Franc XPF 8.00am South African Rand ZAR 4.30pm Philippine Peso PHP 1.30pm Currency holidays USD holiday contraints apply to all currencies, as USD is the clearing currency for all foreign exchange transactions. Payments from NZ dollar accounts: If you fully authorise a payment on a currency holiday, your account will be debited immediately but the payment will be sent with a value date of the next valid business day. Payments from Foreign Currency accounts (FCA): Payments or transfers from FCAs cannot be authorised on a currency holiday. They can only be fully authorised on the next valid business day. 2 Information required to send an international payment (telegraphic transfer) Initially, you will need to set up the beneficiary in order to send them a telegraphic transfer. To do this you will need: > Beneficiary's full name, e.g. Edward Matthew Jones or XYZ Pty Ltd. > Beneficiary's full physical residential address, including town/city and country. Certain countries use specific identifying codes, or require us to provide certain information. Without this information, we may not be able to act on your instructions. International Payments in Internet Banking for Business will prompt you for: European Union; IBAN is compulsory for countries in the European Union India; a PIN code is required and a reason for the payment South Africa; a reason for the payment, and a contact name and phone number United States; a nine-digit ABA Routing number Australia; a six digit BSB United Kingdom; a six digit Sort code Canada; a eight digit Transit number In addition to the above - and for all other countries - a SWIFT BIC code (used internationally to identify banks) is our preference. This allows us to accurately identify where the funds must be sent. The minimum information you need your payment beneficiary to provide you: their name and address, their bank's name and address, and their account number. Security Using our NetGuard token: To help you manage your risk, in addition to using our NetGuard token when you first log into IB4B, we also require it to be used whenever a new beneficiary is loaded or edited within International Payments. Change alerts: If you're loading or authorising a payment to a beneficiary whose details have been edited since the last payment was made, the data that has been changed is highlighted to you. If you want to check the changes you have made to a beneficiary once edited and saved, simply return to the beneficiary list to view, and again, the changes will be highlighted. Authorisation: You have the option of selecting one or two authorisers for your international payments, we recommend two authorisers. This ensures there is appropriate segregation of duties within your organisation to protect you from fraudulent activity. Once an international payment has been authorised you can not cancel it. Transaction and daily limits When you register for International Payments in IB4B, you are required to set transaction limits and daily limits. These limits are for your protection and are independent of other limits you have set in IB4B. We recommend that you set limits that are sufficient to meet your day-to-day requirements. Where you have larger one-off transactions, you can request a temporary limit increase. Forward Exchange contracts/dealer rate references Both Forward Exchange contracts and dealer rate references can be used in International Payments in Internet Banking for Business. More information can be found on the internet bnz.co.nz/internationalpayments or by calling 0800 269 4242 (option 3). 3 Exchange rates for transactions greater than NZD250,000 International Payments in IB4B can quote a current market rate for transactions up to NZD250,000 equivalent (note that transaction and daily limits also apply). For amounts greater than this, you can use Foreign Exchange Dealing in IB4B or contact BNZ on 0800 269 4242 (option 3). Key terms These terms may appear when making an international payment 2FA: Second factor authentication. This type of authentication within International Payments is a very strong protection against fraud and means you are effectively asking to prove your identity twice. Firstly with something only you know (your password), and secondly with something only you have (your BNZ NetGuard token). ABA Routing number: The ABA numbering system is used by US financial institution as a unique identifier code. Authorise: The act of confirming that a transaction can be made on an account. All transactions within International Payments have an authorisation step separate to the initial loading of the transaction. Beneficiary: The recipient of a payment or telegraphic transfer. BIC: The Bank identifier code used in the SWIFT system to identify the path of a payment. Generally this will be eight or eleven characters e.g. BKNZNZ22 BSB number: This unique number identifies both the bank and the branch of a particular account holder, primarily used in Australia. Business day: For international payments, a valid business day occurs when it is a normal working day in New Zealand, the country of the beneficiary and the country of the currency that is being sent. Currency cut-off: A cut-off time is the latest time that an international payment can be processed with a value date of today. The need to impose a currency cut-off time is driven by time zone differences and the need to adhere to cut-off times in the country of destination or the currency of the payment message. Currency holiday: A day where there is a public holiday in the country of the currency you are sending, e.g. a currency holiday occurs on 4 July for USD. USD International payments cannot be sent with a value date of 4 July. Daily limit: A limit set by you when you register for International Payments in IB4B. The maximum total NZD value of international payments you can send in any one day. Dealer rate: A contract to buy or sell a certain amount of foreign currency with today's value date. If you have to convert amounts greater than NZD250,000 you can use Foreign Exchange Dealing in IB4B or contact BNZ to arrange an FX deal by calling 0800 269 4242 (option3). Draft: Another term used to describe an international cheque. A cheque issued in a foreign currency payable at a bank overseas. Email notification: International Payments in IB4B will send an email notification whenever a payment is authorised to that beneficiary where you have set up an email address. The email will only be sent once BNZ has released the payment. The email is not a receipt, and contains very limited information about the payment. Fedwire code: An electronic funds transfer network operated by the Federal Reserve for the US Government. The number is used to identify the beneficiary bank and branch to whom the funds are being sent. Foreign Currency account: An account held with BNZ in a foreign currency, e.g. USD. Forward Exchange Contract (FEC): A contract to buy or sell a certain amount of foreign currency at a future date at the exchange rate agreed on the date the contract is established. FX: Generic term used when referring to foreign currency and exchange thereof. IB4B: Internet Banking for Business – BNZ's online platform for business customers providing the ability to view and transact on your accounts via the internet including initiating international payments and FCA transfers. IBAN: An International bank account number, primarily used in the UK, Europe and Saudi Arabia. An IBAN is compulsory for some European countries and Saudi Arabia. Indicative exchange rate: An exchange rate that has not been fixed and cannot be used for a particular transaction. An exchange rate can only be fixed in International Payments in IB4B when the transaction is fully authorised. International payment: An electronic payment in foreign currency or a payment in NZ dollars made to an account held with a bank outside New Zealand. National clearing code: Also referred to as Clearing code. A generic term used for BSB number, Transit number, Fedwire code and Sort code. It uniquely identifies the bank and branch for a country. NetGuard token: BNZ's second factor authentication device. NetGuard is free and helps reduce your risk of online fraud. 4 PIN code: Postal Identification Number used for banks/branches in India. Rate (Exchange): The price that foreign currency is bought and sold for. Rates are always specified in terms of 1 NZ dollar e.g. 0.86523 means that the customer will get 0.86523 of foreign currency for every 1 NZ dollar. Sort code: A number which is assigned to a branch of a bank for identification purposes (used in the United Kingdom). SWIFT: Refers to the Society for Worldwide Interbank Financial Telecommunication. This organisation maintains a computer based telecommunication network and systems enabling its members to transmit payments and financial messages between themselves. Telegraphic transfer: Telegraphic transfers (outward) (also referred to as international payments) are a safe and quick way to remit funds almost anywhere in the world. Funds are usually credited to the beneficiary's account within 1-2 days. Transaction limit: A limit set by you when you register for International Payments in IB4B. The maximum value for any individual transaction that can be made under your IB4B access number. Transit number: An identification number consisting of a two-part code assigned to banks and savings associations; the first part shows the location and the second identifies the bank itself, used primarily by banks in Canada. Value date: The value date is the date that a foreign currency transaction is processed with. The value date is dependent on the cut-off time for the currency. Weighted rate: The foreign value divided by the NZ dollar equivalent gives a weighted rate. The weighted rate will be the same as the exchange rate unless the transaction uses more than one rate e.g. a current market rate and a forward exchange contract. 5 Section 2 International Payments in Internet Banking for Business Terms and conditions 1. General 1.1 These terms are a contract between you and Bank of New Zealand ("BNZ"). You should read these terms carefully as they place certain requirements and liabilities on you. 1.2 You must accept these terms before you can use International Payments in IB4B. Acceptance will be effected when BNZ receives your signed Application. 1.3 These terms and conditions apply to 'International Payments in IB4B' ("Service") which is accessed via Internet Banking for Business (IB4B) for which you must be registered to use this service. This Service allows you to make telegraphic transfers, purchase international cheques and to make transfers from Foreign Currency accounts (the "Services"). 1.4 These specific terms and conditions ("International Payments in IB4B terms and conditions") are in addition to and should be read in conjunction with: a. the Internet Banking for Business terms and conditions ("General Conditions") to which you agreed when you registered for IB4B; or are agreeing to now when registering for both IB4B and the Service at the same time; b. the specific terms and conditions applicable to a nominated account. 1.5 To the extent of any inconsistency between the general conditions, any specific terms and conditions applicable to a nominated account, and the International Payments in IB4B terms and conditions, these International Payments in IB4B terms and conditions will prevail. You should be familiar with the general conditions and specific nominated account terms and conditions when reading and before accepting these International Payments in IB4B terms and conditions. 2. Requesting telegraphic transfers 2.1 You undertake that you will only request international cheques and make telegraphic transfers on your own behalf as principal. 2.2 If any payment requested by you is in US dollars, to be cleared in the United States ("the US"), or to be made using a bank in the US, then you shall, in respect of such payment, be deemed to have declared and undertaken to BNZ at the time of the relevant payment request that the beneficiary of the payment is not a person, group or entity, or in or associated with a country, sanctioned by US laws and regulations, including those administered by the Office of Foreign Assets Control ("OFAC") of the US Department of Treasury. 2.3 BNZ reserves the right to direct the payment through what it deems the most appropriate route at its sole discretion. 3. Use of stores/branches, Correspondents and Beneficiary Banks 3.1 You agree that in connection with BNZ's provision of telegraphic transfer and international cheque services to you (including, without limitation, the making or receiving of a payment on your behalf), one or more BNZ stores/branches, other financial services providers ("Correspondents") and the bank where the beneficiary holds their account ("Beneficiary Bank") may be involved. The Beneficiary Bank may also be a Correspondent. The stores/branches, Correspondents and Beneficiary Bank may in each case be local or overseas and the Correspondents may or may not be appointed by BNZ. 3.2 If an incorrect account number is quoted, Correspondents or the Beneficiary Bank in some countries will credit that account (if a valid number) notwithstanding that it is not in the name of the stipulated beneficiary, without any responsibility on their part. Further, some Correspondents or Beneficiary Banks will not separately advise the beneficiary when requested to do so of a credit to their account. BNZ will not be responsible for such actions. 3.3 If BNZ has sent telegraphic transfer payment instructions to a Correspondent and that Correspondent has actioned the request, the payment terms are final and cannot be changed or cancelled. This may occur within an hour or days of BNZ's receipt of your instructions. 3.4 You may request BNZ to cancel or amend any payment instructions provided for telegraphic transfers. At that time BNZ will send a request for cancellation or amendment to the Correspondent, which it may or may not be able to process. 3.5 In respect of the Services, payments in one currency may be converted by a Correspondent or the Beneficiary Bank into another currency at the Correspondent's or the Beneficiary Bank's (as the case may be) current rate of exchange on the day the conversion is made. 6 3.6 You agree that, to the maximum extent permitted by applicable law, the involvement of other stores/ branches, Correspondents or the Beneficiary Bank in connection with the Services is entirely at your risk and that BNZ is not liable for loss of any kind arising in connection with the involvement of any other store/branches, Correspondent or the Beneficiary Bank or their acts or omissions, whether or not the Correspondent is appointed by BNZ. 4. Laws and Regulations 4.1 Any service BNZ provides to you may be affected directly or indirectly by laws including, without limitation, any subordinate instrument and the acts, practices and policies of local or foreign governments and their instrumentalities (a "Regulatory Authority") whether or not having the force of law ("Regulations"). Regulations may be those of any place where BNZ, any Correspondent or the Beneficiary Bank operates, or with which the services have some direct or indirect connection, or to which or from which a payment or instruction is made or received or in which some other thing is done, or may be the Regulations of or applicable to the currency of any payment. Regulations include, but are not limited to, those which affect, restrict, prohibit or otherwise render unlawful transactions, payments or dealings with assets, countries, any person, group or entity. The Services may be interrupted, prevented, delayed or otherwise adversely affected, either in whole or in part, by reason of a Regulation including, but not limited to, where BNZ, any Correspondent or the Beneficiary Bank considers, or a Regulatory Authority asserts, that a Regulation may apply (each an "Adverse Effect"). It is entirely your risk if any Adverse Effect occurs and BNZ has no obligation to contest any act of any Regulatory Authority. 4.2 To the maximum extent permitted by applicable law, BNZ and any Correspondent are not liable for any loss of any kind arising directly or indirectly from or in connection with the Service or any service including, without limitation, any Adverse Effect, whether or not BNZ or any Correspondent is negligent or in breach of any duty to you or to any other person. 5. Commissions, fees or charges 5.1 BNZ will charge you fees for the Services as set out in our Business account and Agribusiness account service fees brochures, on our BNZ website (bnz.co.nz) or as otherwise agreed with us. 5.2 The involvement of Correspondents and the Beneficiary Bank means that the Services may be subject to other commissions, fees or charges payable to the Correspondent, BNZ or the Beneficiary Bank. BNZ may also receive and retain commissions, fee rebates or revenue-sharing payments from a Correspondent for using the Correspondent, the amount of which will be agreed between BNZ and the Correspondent from time to time. 5.3 For international cheques, unless BNZ instructs the Correspondent otherwise the Correspondent's commissions, fees or charges ("Correspondent Charges") will be deducted from any payment made on your behalf. However, should the Correspondent pass their commissions, fees or other charges onto BNZ, you agree to immediately reimburse BNZ for them in NZ dollars. 5.4 For telegraphic transfers, unless you instruct BNZ otherwise, the "Correspondent Charges" will be deducted from any payment made to the beneficiary, and BNZ will charge you with the telegraphic Transfer Issue fee. However, if you instruct BNZ that the "Charges Our fee" is to apply, this will be added to your Telegraphic Transfer Issue fee (and appear as one fee on your statement) and the Correspondent Charges will not be deducted from any payment made to the beneficiary. 5.5 Beneficiary Bank fees may also apply, and may be deducted from the payment made to the beneficiary. 5.6 BNZ's standard tracing fee will apply to any request sent to a Correspondent following a request by you to cancel or amend your payment instructions. 5.7 Where an account with BNZ is to be debited with any payment (including, without limitation, any commissions, fees and charges relating to dealing with cancellation, amendment or repurchase requests) to be made in relation to the Services, you authorise BNZ to debit that account for the amount payable. 6. International cheques 6.1 Where you request an international cheque, we will forward the cheque to the address shown on the confirmation page when you confirm your instructions to BNZ. It is your responsibility to forward the international cheque to the intended recipient 6.2 If you request BNZ to repurchase an international cheque then you acknowledge and agree that BNZ can charge a repurchase fee per repurchase and that BNZ will use the rate of exchange current on the day of repurchase. 6.3 If BNZ cancels an international cheque (whether due to the international cheque being lost or not) at your request then you acknowledge and agree: a. to wait until the cancellation becomes effective before asking BNZ to issue another international cheque in replacement for the one cancelled; b. that the time required for a cancellation to be effective is beyond the control of BNZ; c. that a fee is payable for each cancellation; and d. further details on the terms and conditions of repurchase of an international cheque apply and will be made available when you request a repurchase. 7 7. Foreign Currency account transfers 7.1 Only the following Foreign Currency transfers are permitted on this Service: a. Transfer funds from a Foreign Currency account to a NZ dollar account. b. Transfer funds from a NZ dollar account to a Foreign Currency account. c. Transfer funds from one Foreign Currency account to another Foreign Currency account of the same currency. 8. Processing requests 8.1 BNZ will process the request on a normal business day other than Saturday, Sunday and public holidays ("Business Day") provided we receive it before the time of day has passed where that currency can be traded ("Currency cut off"). If a request is received after Currency cutoff subject to other terms and conditions set out in these terms and conditions the request will be processed by BNZ on the next available business day. 8.2 For Foreign Currency accounts international payments (including Foreign Currency transfers) will not be accepted on 'currency holidays' or after currency cut-offs. 8.3 Submission of your request to BNZ is not confirmation the request is successful and has been completed. Where BNZ is unable to process your request we will attempt to contact you. 9. Email notification 9.1 The Service allows you to nominate an email address to which an automated notification will be sent when BNZ processes a telegraphic transfer request. BNZ has no way of monitoring if that email was received by the intended recipient and accepts no liability for non-receipt by the intended recipient. These email notification are not receipts. 10. Limits 10.1 Requests using the Service are subject to transaction and daily limits. Limits are subject to approval by BNZ and may be reviewed from time to time. BNZ can reduce the daily or transactional limits at any time (and without prior notice where it is necessary to protect the security of the service). Any changes to daily or transactional limits will be notified to you in writing. 11. Other exclusions and limitations 11.1 The following paragraph applies subject to and provided BNZ has, unless the transaction is for a business purpose, complied with its obligations under the Consumer Guarantees Act 1993. BNZ: a. may decline to act or delay acting on any instruction given in connection with the Services where it considers that it has good reason to do so; b. will not be liable for any claim that arises from acting reasonably in accordance with your instructions in connection with the Services; c. will not be liable for any loss suffered by you or a third party due to matters outside BNZ's control (including, without limitation, machine failure, system failure or strikes); d. will not be liable for any loss suffered by you or a third party due to any of the matters or circumstances referred to in these terms and conditions; e. accepts no liability for the loss or destruction of, or delay in processing of, cheques or other instructions or documents; f. accepts no liability for any delay in transferring funds to or from your accounts. 11.2 To the maximum extent permitted by applicable law, BNZ's liability for loss of any kind which cannot be excluded by reason of applicable law is limited to reimbursement of any fees paid to BNZ for the supply of the adversely affected Service. 12. Disclosure of information 12.1 You agree that BNZ may use or disclose any personal or other information about you or the Services or any person connected in any way with the Services to any Correspondent, Beneficiary Bank or Regulatory Authority for any purpose which BNZ, any Correspondent or the Beneficiary Bank considers necessary or desirable in connection with any Regulation or the Services. You agree to provide any such information to BNZ on request. Such information may include, but is not limited to, names, addresses, method of payment, account number debited for payment, reason for payment and method of identification (including any identifying numbers from evidence of identification). If you fail to provide such information you acknowledge that supply of the Services may not be completed. 13. Code of Banking Practice 13.1 BNZ will comply with the Code of Banking Practice as it applies to these terms and conditions. 8 14. Indemnity 14.1 In consideration of BNZ acting upon a request which appears to its reasonable satisfaction to have been made in accordance with authorities held by BNZ, to the extent permitted at law you indemnify BNZ against all losses, claims and expenses that BNZ may incur by reason of acting upon the request, and without further authority or enquiry BNZ may debit the account(s) set out in such request, with all such claims and expenses whether such account(s) is or may become overdrawn as a result. In the event that such account(s) becomes overdrawn, you will pay interest at the rate(s) normally charged by BNZ. Any payment BNZ makes in accordance or purported accordance with the request shall be conclusive evidence that BNZ was liable to make such payment. 15. Exchange rates 15.1 The Service quotes live exchange rates linked directly to current market movements. Any exchange rates quoted are subject to change without notice up until the point where you formally accept the rate. BNZ accepts no liability for adverse exchange rate movements prior to your formal acceptance of the quoted rate. 15.2 Acceptance of the exchange rate by you is an irrevocable undertaking to complete the transaction. If for whatever reason the Request cannot be completed, you will be liable for any costs to reverse the foreign exchange transaction, including but not limited to any commissions payable for locking the rate and any exchange loss that may occur. If any request is subsequently cancelled by you and BNZ accepts your request to cancel, any exchange loss will be for your account. 15.3 You acknowledge that foreign currencies fluctuate and therefore the buying and selling of foreign currency can result in a loss to yourselves. You agree not to hold BNZ responsible in any way for any loss which you may suffer as a result of BNZ converting currencies on your behalf. 16. Service availability 16.1 Creating and authorising an international payment and foreign currency transfer are only available on business days as designated by BNZ from time to time. All other International Payments in IB4B are available outside of these hours. BNZ may vary these times at any time without notice. 16.2 Due to market conditions, BNZ may make the Service unavailable for a period of time. BNZ accepts no liability if you are unable to complete a transaction because the Service is unavailable. 17. NetGuard Token 17.1 Notwithstanding clause 3.11 of the General Conditions (or any equivalent clause) when setting up or amending payment beneficiaries for telegraphic transfers and international cheques you will need to enter in a valid NetGuard Login code. 18. No future-dated international payments 18.1 Future dated international payments and foreign currency transfers are not available in the Service. 19. Foreign Currency Master Agreement 19.1 If you have entered into a Foreign Currency Master Agreement with BNZ that agreement is amended so that any reference to a " written communication" will be deemed to include any electronic communication such as email or IB4B confirmation screen. 20. Variation 20.1 BNZ may vary, add to, delete, or replace these terms and conditions unilaterally from time to time. BNZ will give you at least 14 days' notice of any such variation, unless it is necessary in the circumstances for BNZ to give a lesser notice period (for example, where it is necessary to protect the security of the Service). BNZ has the right, in its sole discretion, by prior notice to change, suspend or cancel any of these Services. 9 Section 3 Manage your foreign exchange risk with Foreign Exchange Dealing in Internet Banking for Business. Foreign Exchange Dealing in IB4B is a fast, secure and easy way to complete foreign exchange transactions in real time. You can: • Execute Value today, Spot and Forward contracts using live market rates • Predeliver contracts • Review all your open contracts • Export your open contract details Hours of availability The foreign exchange deals list can be viewed any time. Foreign Exchange Deals can be created or amended between 9:00am and 6:00pm Monday to Friday (excluding public holidays). Foreign Exchange Deal list All open Foreign Exchange Deals and their details are provided. The list can be sorted by each column, printed or exported. In some situations the remaining balance of a Foreign Exchange Deal maturing today may not be updated immediately following settlement. If you are unsure of a balance please call 0800 269 4242 (option 3). Creating new Foreign Exchange Deals You can apply to create or amend a Foreign Exchange Deal through IB4B. You and BNZ are legally bound by the Foreign Exchange Deal (or amendment) from the time that BNZ accepts your application. A Foreign Exchange Deal is a contract between yourself and the BNZ to buy and sell currency (e.g. you purchased USD from the BNZ and paid for these with NZD). It is important you select the correct buy and sell currencies, as there may be a cost associated with fixing an error. New Foreign Exchange Deals can be created for dates up to 12 months in the future. Value today deals are only available up to the relevant currency cut off. A 'live' foreign exchange rate is sourced directly from foreign exchange markets. The exchange rate is a combination of the 'Spot' rate (typically for value in two business days time) and Forward points following global foreign exchange conventions. A Foreign Exchange Deal cannot be created or amended with a value date that is a NZD or USD holiday or a holiday for one of the selected currencies. USD holiday constraints apply to all currencies, as USD is the clearing currency for all foreign exchange transactions. If a currency pair you require is not available, please call 0800 269 4242 (option 3). Predelivering a Foreign Exchange Deal Foreign Exchange Deals can be fully or partially predelivered to any valid business day prior to the deals current value date. A new deal will be created with an updated exchange rate reflecting the new value date. If predelivering to 'Today', this must occur before the relevant currency cut off. 10 Foreign Exchange Deal confirmation Most Foreign Exchange Deals will be confirmed in IB4B as they are created or amended. BNZ will also send in writing a confirmation as specified in the Foreign Currency Master Agreement. If you are unsure if a Foreign Exchange Deal has been created or amended, you can check in your Foreign Exchange Deals list or call 0800 269 4242 (option 3). Settlements Foreign Exchange Deals must be settled prior to the relevant currency cut off on the value date. If you have a Foreign Exchange Deal that has passed the relevant currency cut off please call 0800 269 4242 (option 3). Exchange Rates Unavailable Certain events (e.g. extreme volatility in foreign exchange markets) may result in an exchange rate not being available. If this occurs try again later or call 0800 269 4242 (option 3). Foreign Exchange Deal limits You can set up your own NZD equivalent limits establishing the maximum foreign exchange deal you or your IB4B users can transact online. This limit can be individually set for each IB4B user. Details of the products that are available through Foreign Exchange Dealing are contained in BNZ Markets Product Disclosure Statement, a copy of which can be obtained, free of charge, by contacting 0800 269 4242 (option 3). 11 Section 4 Foreign Exchange Dealing in Internet Banking for Business Terms and conditions 1. General 1.1 These Terms are a contract between you and BNZ. You should read these Terms carefully as they place certain requirements and liabilities on you. 1.2 You must accept these Terms before you can use Foreign Exchange Dealing in Internet Banking for Business (FX Dealing), which is BNZ's online foreign exchange transaction service as offered by BNZ from time to time. Acceptance is effected when BNZ receives your signed Application. 1.3 These Terms apply to FX Dealing, which is accessed via IB4B. You must be registered to use IB4B and International Payments to use FX Dealing. 1.4 These Terms apply only to the use of FX Dealing and do not apply to any foreign currency transaction initiated by you over the telephone or by written instruction outside the FX Dealing system (including by email or facsimile). 1.5 These Terms are in addition to and should be read in conjunction with: a. the IB4B and International Payments terms and conditions to which you agreed when you registered for IB4B and/or International Payments; or are agreeing to now when registering for both FX Dealing and IB4B and/or International Payments at the same time; b. any Foreign Currency Master Agreement that you have entered into with BNZ or may enter into in the future; and c. any specific terms and conditions applicable to a nominated account. 1.6 You should be familiar with the IB4B and International Payments terms and conditions, the terms of any Foreign Currency Master Agreement, and any specific nominated account terms and conditions when reading and before accepting these Terms. 1.7 To the extent of any inconsistency between these Terms, the IB4B and International Payments terms and conditions, any Foreign Currency Master Agreement and any specific terms and conditions applicable to a nominated account, these Terms will prevail. 2. Conditions of use 2.1 Subject to these Terms and unless otherwise agreed with BNZ, BNZ agrees to provide you with the right to access and use FX Dealing for your own business purposes only. 2.2 Any Dealing Information is supplied to you on condition that you: a. will not cause or permit any Dealing Information to be recirculated or republished outside your organisation in any form; b. will use any Dealing Information only in the ordinary course of your business within your organisation; c. will not re-disseminate any Dealing Information, whether or not this forms part of your business; and d. understand and accept that any Dealing Information contributed by and/or received by BNZ from any sources external to BNZ is not in any way attributable to or endorsed by BNZ. 2.3 You acknowledge and agree that: a. FX Dealing is a Function within IB4B that may be assigned to one or more Users. Transaction Instructions issued through FX Dealing on your behalf are not Controlled Instructions, and neither those instructions nor any Transactions that may result from them require authorisation by a User with Authorise Activity Authority; b. each Authorised User is authorised by you to issue Transaction Instructions though FX Dealing on your behalf, and that you will be bound by the terms of any Transactions that result from those instructions; c. you are responsible for and bound by any Transaction Instruction issued through FX Dealing through the login of an Authorised User, and BNZ may assume the authenticity of and act on any such instruction without any enquiry as to the identity of the person giving the instruction; and d. use of FX Dealing may expose you and your business to increased risk of fraudulent use of the system by Authorised Users or third parties and that you accept that risk. 3. Entering and varying transactions 3.1 You may apply to create a Transaction by submitting a Transaction Instruction using the FX Dealing system accessed via IB4B. 12 3.2 You acknowledge and agree that BNZ is under no obligation to allow the issue of, act on or accept any Transaction Instruction. In particular you acknowledge and agree that: a. the FX Dealing system will not allow you to issue a Transaction Instruction or enter into a Transaction where that Transaction Instruction (if executed) or that Transaction would result in a breach of any Nominated Limits or Set Limits; b. BNZ is not obliged to allow the issue of or act on any Transaction Instruction which appears, in BNZ's opinion, to be contrary to any applicable law, regulation, government, court or regulatory body's order, rule, or direction, or in circumstances which BNZ deems inadvisable to allow the issue of or to act on such Transaction Instructions; and c. FX Dealing displays live prices linked directly to current market movements, and accordingly you acknowledge and agree that: (i) any exchange rates or other prices communicated to you by BNZ are subject to change without notice up until the point where BNZ formally accepts your Transaction Instruction; and (ii) the market price may move and be different from the price of the Transaction Instruction at the time of its acceptance by BNZ. BNZ accepts no liability for adverse exchange rate movements prior to acceptance of a Transaction Instruction. 3.3 You and BNZ are legally bound by a Transaction from the time of BNZ's acceptance of the Transaction Instruction. BNZ will, at the time of acceptance, endeavour to communicate that acceptance to you via FX Dealing, but the Transaction is binding whether or not you receive any such communication. 3.4 Once the Transaction Instruction is accepted by BNZ, BNZ will send you a written confirmation setting out the details of the Transaction. Within one Business Day of receiving the confirmation, you must notify BNZ if there is an error in the confirmation (you are bound by the confirmation unless you tell BNZ there is an error within that time). However, the Transaction is valid and binding even if you do notify BNZ of an error or BNZ fails to send a confirmation. 4. Payments and Settlement 4.1 If you have not provided settlement instructions for a Transaction through FX Dealing, you agree to provide these instructions to BNZ before the cut-off times for the applicable currencies on the date or dates that settlement payments are due. 4.2 If you do not provide settlement instructions for a Transaction before the relevant cut-off times, you agree that BNZ may, at its discretion, settle the Transaction through any BNZ accounts you may have in the applicable currency or currencies. If you do not have a BNZ account in any applicable currency or currencies, you authorise BNZ to open such account(s) on your behalf, and agree to pay BNZ's standard fees in respect of those account(s). 5. Transaction Limits 5.1 BNZ may impose Set Limits from time to time. BNZ may increase or decrease Set Limits at its discretion from time to time without notifying you. 6. Exchange Rates 6.1 You acknowledge that foreign currency exchange rates fluctuate and that the buying or selling of foreign currency can result in a loss to you. You agree not to hold BNZ responsible in any way for any loss which you may suffer as a result of any Transactions that you may enter into via FX Dealing. 7. Service Availability 7.1 Transaction Instructions may be issued only on the Business Days and at the times of day designated by BNZ from time to time. 7.2 BNZ gives no undertaking and makes no representation or warranty express or implied as to the availability of the features and services that comprise FX Dealing. BNZ accepts no liability if you are unable to complete a Transaction because FX Dealing or any part of it is unavailable. You acknowledge that, in the event that FX Dealing is unavailable, BNZ may provide alternative methods of executing a Transaction, but need not accept any Authorised User as being authorised to transact on your behalf outside the FX Dealing system solely by reason of their status as an Authorised User. 8. Fees and Charges 8.1 BNZ will charge you fees for the use of FX Dealing as set out in our Business account and Agribusiness account service fees brochures, on our website (www.bnz.co.nz) or as otherwise agreed with you. 8.2 You acknowledge and agree that settlement of a Transaction may result in commissions, fees or charges being charged by BNZ or third parties (and, in particular, the involvement of correspondents and any beneficiary bank means that the settlement of the Transaction may be subject to commissions, fees or charges payable to the correspondent, BNZ or the beneficiary bank). The International Payments terms and conditions contain more details about these commissions, fees or charges. 13 8.3 You are responsible for paying all telecommunication and internet access costs associated with connection to the internet and FX Dealing. 9. Termination 9.1 BNZ may suspend or terminate your use of FX Dealing in whole or in part at any time with immediate effect without prior notification to you if it determines that you have breached any of these Terms or as it sees fit in order to protect the security of FX Dealing or otherwise to protect BNZ's interests. 9.2 You may terminate your use of FX Dealing by written notice of termination to BNZ. Such termination: a. will not be effective unless the notice of termination is actually received by BNZ; b. will take effect from no later than 6:00pm on the Business Day after the day on which BNZ actually receives notice of termination ("Termination Time"); and c. will not affect any obligations incurred by you in respect of use of FX Dealing prior to the Termination Time. 10. Liability 10.1 BNZ: a. may decline to act or delay acting on any Transaction Instruction given in connection with FX Dealing where it considers that it has good reason to do so; b. will not be liable for any claim that arises from acting reasonably in accordance with your instructions in connection with FX Dealing; c. will not be liable for any loss suffered by you or a third party due to matters outside BNZ's control (including, without limitation, machine failure, system failure or strikes); d. will not be liable for any loss suffered by you or a third party due to any of the matters or circumstances referred to in these Terms; e. accepts no liability for the loss or destruction of, or delay in processing of instructions or documents; and f. accepts no liability for any delay in transferring funds to or from your accounts. 10.2 If for any reason BNZ is found to be liable to you, BNZ's liability for loss of any kind which cannot be excluded by reason of applicable law is limited to reimbursement of any fees paid to BNZ arising directly in relation to the adversely affected Transaction or Transactions (as applicable). 10.3 The Consumer Guarantees Act 1993 does not apply to this agreement to the extent that you use FX Dealing for the purpose of a business. If the Consumer Guarantees Act 1993 applies to this agreement, nothing in this agreement affects your rights under that Act. 10.4 Otherwise than as set out in these Terms, your liability to BNZ and BNZ's liability to you in relation to the use of FX Dealing is as set out in clauses 8 and 9 of the IB4B terms and conditions (read as if a reference to the "Service" included a reference to the FX Dealing service) and your Foreign Currency Master Agreement, provided that the maximum liability referred to in clause 8.3 of the IB4B terms and conditions does not apply. 11. Disclosure of information 11.1 BNZ will need to collect personal information about you in order to enable you to use and access FX Dealing. You agree to provide BNZ with full and correct information and to notify us as soon as possible if you become aware that the information is incomplete or if the information changes. 11.2 You consent to BNZ recording its telephone conversations with you and such recordings being used in any legal proceedings between us. 11.3 You authorise BNZ and each of its officers, agents, employees and contractors to disclose to any of BNZ's stores or other offices, National Australia Bank Limited or any other person who requires such information in order for BNZ to provide FX Dealing to you, any information relating to you which BNZ may hold now or in the future. 12. Laws and Regulations 12.1 Any service BNZ provides to you may be affected directly or indirectly by laws including, without limitation, any subordinate instrument and the acts, practices and policies of local or foreign governments and their instrumentalities (a "Regulatory Authority") whether or not having the force of law ("Regulations"). Regulations may be those of any place where BNZ or with which FX Dealing has some direct or indirect connection, or to which or from which a payment or Transaction Instruction is made or received or in which some other thing is done, or may be the Regulations of or applicable to the currency of any payment. Regulations include, but are not limited to, those which affect, restrict, prohibit or otherwise render unlawful transactions, payments or dealings with assets, countries, any person, group or entity. 12.2 FX Dealing may be interrupted, prevented, delayed or otherwise adversely affected, either in whole or in part, by reason of a Regulation including, but not limited to, where BNZ or a Regulatory Authority asserts, that a Regulation may apply (each an "Adverse Effect"). It is entirely your risk if any Adverse Effect occurs and BNZ has no obligation to contest any act of any Regulatory Authority. To the maximum extent permitted by applicable law, the Bank is not liable for any loss of any kind arising directly or indirectly from or in connection with any Adverse Effect. 14 12.3 You agree that you will obtain all necessary governmental approvals and comply with all requirements (including those relating to taxation), as may be necessary from time to time in relation to any Transaction. 13. Code of Banking Practice 13.1 BNZ will comply with the Code of Banking Practice as it applies to these Terms. 14. Variations 14.1 BNZ may vary these Terms unilaterally from time to time by at least 14 days' written notice to you. On the date stated in the notice, or where no date is specified, then upon receipt by you of the notice, the varied and amended terms and conditions will be incorporated into and form part of these Terms. 14.2 BNZ has the right at any time, in its sole discretion, to change or cancel any of the features or services that comprise FX Dealing or to limit your use of FX Dealing to particular services. 14.3 BNZ may alter the form and content of the Dealing Information, without notice to you, from time to time. 15. General 15.1 You must not in any manner whatsoever assign or transfer to any other person any of your rights and interests under these Terms, but BNZ may assign any of its rights and interests under these Terms without your consent. 15.2 These Terms shall be governed by and interpreted according to the law for the time being of New Zealand and each of the parties hereto submits to the jurisdiction of the courts of New Zealand. 16. Definitions In these Terms, unless the context otherwise requires: Adverse Effect has the meaning given to that term in clause 12.1. Application means the form provided by BNZ by which you apply to use FX Dealing (whether in conjunction with an application for IB4B and/or International Payments or otherwise). Authorised User means any User who through IB4B has been assigned the Function of creating Transactions through FX Dealing. BNZ means Bank of New Zealand and its successors and assigns. Dealing Information means any market, exchange rate or other similar information provided by BNZ to you via FX Dealing, but excludes any information in relation to the terms of an executed Transaction. IB4B means BNZ's Internet Banking for Business Service. International Payments means BNZ's International Payments Service in IB4B. Nominated Limits means any limits in connection with the use of FX Dealing (for example, the maximum amount of any individual Transaction) specified by you in your Application or through FX Dealing from time to time. Set Limit means any current uncommitted limit set by BNZ relating to the aggregate monetary amount or other characteristics of Transactions you may have outstanding at any time, whether or not that limit has been advised to you. Terms means these terms and conditions, as varied by BNZ in accordance with clause 14. Transaction means a forward exchange contract or other transaction entered into between you and BNZ through FX Dealing, including any variation of an earlier Transaction. Transaction Instruction means, in respect of an Authorised User, an offer issued through FX Dealing by that Authorised User to enter into a Transaction of a class for which that Authorised User has been authorised through FX Dealing. You means the customer named on the Application Form and includes your agents, employees, successors and permitted assigns; and yours has a corresponding meaning. Words with initial capital letters not defined in these Terms have the meaning given in the IB4B terms and conditions. 15 Need more information? Visit bnz.co.nz/international Give us a call on 0800 269 4242 (option 3) or Overseas +64 4 460 0368 Email bnz_international email@example.com 100818 01-11
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Welcome to our iPad Air review. Our iPad Air review includes: everything you need to know about the iPad Air, the iPad Air's specs, features and physical design, speed tests, price and buying options. (more…) review on cloudfone tablet When it comes to performance, the CloudFone Thrill 430x is no slouch. The snapdragon dual-core processor combined with 768MB RAM and Android Ice Cream CloudFone Mobile Phones price list 2015 for sale in philippines. You can check various CloudFone Cell Phones and the latest prices, compare cellphone Cloudfone Teams Up with Globe Meet the Epic 7.0 ! Earlier today, Globe, and Intel jointly announced 's newest product offering, the Epic 7.0. EXCITE 470Q MTK6582M 1.3GHz Quad Core 4.7 Zoll QHD IPS Display Android 4.2 3G Smartphone related: cloudfone, excite, 470q, Where You Can Buy the has finally released the much awaited Thrill 600FHD flagship device. Where you can buy? Check here.. Excite 502q: 5″ Screen and Quad Core CPU Priced at Php4,999!
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Article first published online: 20 OCT 2008
DOI: 10.1111/j.1096-0031.1990.tb00532.x
© 1990 The Willi Hennig Society
Volume 6, Issue 2, pages 119–136, June 1990
Additional Information
How to Cite
Page, R. D. M. (1990), COMPONENT ANALYSIS: A VALIANT FAILURE?. Cladistics, 6: 119–136. doi: 10.1111/j.1096-0031.1990.tb00532.x
Publication History
- Issue published online: 20 OCT 2008
- Article first published online: 20 OCT 2008
- Received 6 July 1989; accepted 22 November 1989
- Abstract
- References
- Cited By
Abstract— Rerent criticisms of component analysis are based on misunderstandings of the relationship between component analysis, parsimony and consensus methods. These criticisms are rebutted, and the appropriateness of applying the Wagner parsimony criterion to the study of biogcography and co-speciation is questioned. An alternative parsimony method, previously applied to mapping gene cladograms onto organism cladograms, is developed.


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Last call: Oedipus El Rey, You Can't Take It with You, Baby with the Bathwater
Jeff Smith 8 a.m., March 26
In a rare U.S. performance, French harpist, Isabelle Moretti will perform a solo repertoire that extends from the music of the eighteenth century and the first sonatas for pedal harp, to the most complex contemporary world premieres, which she frequently programs in her recitals.
This concert is presented in conjunction with the museum's exhibition "The Harp: A Global Story of Man, Music, and Medicine."
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"Instant Classic"
As a big fan of the Fantasy and Sci-Fi genres, I was extremely pleased with this audiobook. The pace of the story never leaves a dull moment and you will find yourself looking forward to your next session, even if it is your commute to work.
There aren't many books that I can recommend across the board, but this is definitely one of them. Like the Chronicles of Narnia, it may be enjoyed by young and old alike. Jerry does a fantastic job of pulling in technology, pushing the imagination, and making it all believable at the same time.
The only thing left wanting is a couple of more books to round out a series. Keep them coming.
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Internet-based health education in China: a content analysis of websites
1 Department of Epidemiology and Biostatistics, School of Public Health, Tongji Medical College, Huazhong University of Science and Technology, Wuhan, China
2 Division of Global Health, Department of Public Health Science, Karolinska Institute, Stockholm, Sweden
3 Knowledge Translation Unit, University of Cape Town Lung Institute, Cape Town, South Africa
BMC Medical Education 2014, 14:16 doi:10.1186/1472-6920-14-16Published: 27 January 2014
The Internet is increasingly being applied in health education worldwide; however there is little knowledge of its use in Chinese higher education institutions. The present study provides the first review and highlights the deficiencies and required future advances in Chinese Internet-based health education.
Two authors independently conducted a duplicate Internet search in order to identify information regarding Internet-based health education in China.
The findings showed that Internet-based education began in China in September 1998. Currently, only 16 of 150 (10.7%) health education institutions in China offer fee-based online undergraduate degree courses, awarding associates and/or bachelors degrees. Fifteen of the 16 institutions were located in the middle or on the eastern coast of China, where were more developed than other regions. Nursing was the most popular discipline in Internet-based health education, while some other disciplines, such as preventive medicine, were only offered at one university. Besides degree education, Chinese institutions also offered non-degree online training and free resources. The content was mainly presented in the form of PowerPoint slides or videos for self-learning. Very little online interactive mentoring was offered with any of the courses.
There is considerable potential for the further development of Internet-based health education in China. These developments should include a focus on strengthening cooperation among higher education institutions in order to develop balanced online health curricula, and on enhancing distance education in low- and middle-income regions to meet extensive learning demands.


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Tech Helproom
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Compatible Games Controllers
« previous 1 2
Likes # 0
Posted December 9, 2012 at 5:51PM
I have installed some PC games which are mostly flight simulator or car games.I have tried using my XBOX 360 controller but when I inserted the software it said it was incompatible with this version of windows (windows 7 )I also have a Logitek attack 3 joystick but nothing happens when it is connected and cannot seem to find my user manual.Can someone advise on either of these two items or suggest something suitable to use.Almost forgot I also a Saitek P2500 Rumble Force which I have not tried yet.
- Tags:
- suitable
- controllers
- for
- games
Likes # 0
Posted December 10, 2012 at 3:11PM
Hi again Chronos the 2nd have just done what you advised but when I went into into compatibilty it says XP Service Pack 2 and XP service pack 3 which do I choose.
Likes # 0
Posted December 10, 2012 at 3:11PM
Hi again what controller do you use
Likes # 0
Posted December 10, 2012 at 3:18PM
Xbox and I only used it for that one game.
As for your first question I do not know if it matters which one you choose. If the game does not play on one try the other.
Likes # 0
Posted December 10, 2012 at 4:11PM
This might help, http://www.techspot.com/drivers/driver/file/information/11300/
Likes # 0
Posted December 10, 2012 at 5:04PM
I presume I can do this with all my games as they all worked whenI was using XP
Likes # 0
Posted December 10, 2012 at 5:31PM
I presume you are talking to me about compatibility mode? If so the answer is yes.
Likes # 0
Posted December 11, 2012 at 8:19AM
Hi Chronos the 2nd Only just read your latestreply but asI am just going off to work will try it this evening and will let you know what happens
« previous 1 2
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The Round HouseHardback Harper
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- Publisher: Harper
- Format: Hardback | 336 pages
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- Publication date: 2 October 2012
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- Edition statement: New.
- Sales rank: 66,816
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National Book Award Winner One Sunday in the spring of 1988, a woman living on a reservation in North Dakota is attacked. The details of the crime are slow to surface as Geraldine Coutts is traumatized and reluctant to relive or reveal what happened, either to the police or to her husband, Bazil, and thirteen-year-old son, Joe. In one day, Joe's life is irrevocably transformed. He tries to heal his mother, but she will not leave her bed and slips into an abyss of solitude. Increasingly alone, Joe finds himself thrust prematurely into an adult world for which he is ill prepared. While his father, who is a tribal judge, endeavors to wrest justice from a situation that defies his efforts, Joe becomes frustrated with the official investigation and sets out with his trusted friends, Cappy, Zack, and Angus, to get some answers of his own. Their quest takes them first to the Round House, a sacred space and place of worship for the Ojibwe. And this is only the beginning. Written with undeniable urgency, and illuminating the harsh realities of contemporary life in a community where Ojibwe and white live uneasily together, The Round House is a brilliant and entertaining novel, a masterpiece of literary fiction. Louise Erdrich embraces tragedy, the comic, a spirit world very much present in the lives of her all-too-human characters, and a tale of injustice that is, unfortunately, an authentic reflection of what happens in our own world today.
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`Poignant and surprisingly funny, it's the acclaimed writer's best book yet.`--O, the Oprah Magazine, `Our Favorite Reads of 2012`


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Hello! I've been looking for woodland plants desperately! We've moved to a large, forested bit of Mother Nature. The prior "owners" harvested and destroyed most of the woodland native plants - "thought they might have been poison weeds"
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The Medieval KitchenThe Medieval kitchen was nothing more than a functional space, it turns out.Experts have discovered that today's modern kitchen – a hotbed for discussing gossip, the main family social space, homework room and the place where we eat our meals – couldn't be further removed from the kitchen of the Dark Ages. Read more about The Medieval Kitchen
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A little home in a Demacian suburb where the Grandmaster at Arms lived before he got married, then left on his walkabout. Since then, Shyvana has lived alone, but this is a special night. He's supposed to come home and make a proper apology. About 4 PM, Jax opens the door hesitantly, wearing no mask and a set of grey robes, a rucksack over his back and a quarterstaff in hand, "Shyvana?" he asks cautiously, "Are you home?"
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