text:
Nordstrom Bank Online Banking and Bill Pay Agreement
Table of Contents
I. Introduction
A. Equipment Requirements
B. Registration
C. Password
D. Online Banking
E. Bill Pay
F. Contact by Nordstrom Bank
III. Using The Services
A. Authorizations, Restrictions, Dollar Limitations
B. Scheduling and Processing Online Banking Transfers
C. Scheduling and Processing Bill Pay Payments
D. Canceling Online Banking Transfers and Bill Pay Payments
E. Liability for Failure to Cancel or Stop Payment
F. Documentation
G. E-Bills
IV. Other Electronic Transfer Provisions for Consumers
A. Unauthorized Transactions
B. Contact in the Event of Unauthorized Transactions
C. Business Days
D. Nordstrom Bank's Liability
E. Error Resolution Notice
F. Disclosure of Account Information
A. Monthly Service Charges and Other Fees
B. Termination
C. Joint or Multi Party Accounts
D. Change in Terms
E. External email Address and Change in email Address
F. Reservation of Rights
G. Governing Law
VI. Terms and Conditions of the Bill Payment Service
A. Service Definitions
B. Payment Scheduling
C. The Service Guarantee
D. Payment Authorization and Payment Remittance
E. Payment Methods
F. Payment Cancellation Requests
G. Stop Payment Requests
H. Prohibited Payments
I. Exception Payments
J. Bill Payment and Presentment
K. Exclusions of Warranties
L. Password and Security
M. Your Liability for Unauthorized Transfers
N. Errors and Questions
O. Disclosure of Account Information to Third Parties
P. Service Fees and Additional Charges
Q. Failed or Returned Transactions
R. Alterations and Amendments
S. Address or Banking Changes
T. Service Termination, Cancellation or Suspension
U. Biller Limitation
V. Returned Payments
W. Information Authorization
X. Disputes
Y. Assignment
Z. No Waiver
AA. Captions
BB. Governing Law.
VII. Electronic Disclosure and Consent
This Nordstrom Bank Online Banking and Bill Pay Agreement ("Agreement") governs the Online Banking services provided by Nordstrom Bank as described in this Agreement. These services permit Nordstrom Bank deposit customers to perform a number of banking functions involving deposit and/or overdraft protection account(s) linked to the service through the use of a personal computer (collectively, "Online Banking Services"). As used in this Agreement the words "we," "our," and "us" mean Nordstrom Bank and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the linked account.
When you use any of the Online Banking Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.
The terms in this Agreement are in addition to (a) the terms of any deposit account agreements you have with us, including your signature card, the booklet containing the terms of your account, the accompanying schedules, and any change of terms notices (together, the "Deposit Agreements"), and (b) the terms of your Overdraft Protection Account agreement.
A. Equipment Requirements. You must have a personal computer equipped with a modem and Windows 98, Windows NT, Windows 2000, Windows XP or later versions or a Mac operating system; an internet connection with an Internet Service Provider (ISP) equipped with 128-bit encryption and the ability to allow email attachments up to one (1) MB; an electronic mail message ("email") address; and, in order to print or download these disclosures, a printer connected to your personal computer or sufficient hard-drive space to save the disclosures.
To access Online Banking Services via personal financial management ("PFM") software, you must meet the above equipment and technical requirements and you must purchase at your own cost and expense a copy of Microsoft® Money (any version) or Quicken® 2002, or later version.
Note: If you access an Online Banking Service through PFM software, or another indirect service, all of the Online Banking Services described in this Agreement may not be available, including, but not limited to, E-Bill presentment. To access all of the Online Banking Services and features offered by us, sign in directly through our web site at www.nordstrombanking.com.
B. Registration. Your registration for Online Banking depends on when you opened your Nordstrom Bank deposit account.
1. Accounts Opened Prior to August 28, 2004. To initiate the registration process you will need to enter your primary account number as your User ID, the last four digits of your social security number as your first-time password and then click the "log in" button. During the initial registration for Online Banking (see service description below, Part II (D)), you will be prompted to change your first-time password and User ID and will be prompted to provide an email address. Once you have completed the Online Banking registration process, you will be notified via email confirming our activation of and your acceptance to Online Banking.
2. Accounts Opened On or After August 28, 2004. To initiate the registration process for Online Banking (see service description below, Part II (D)), you will need to click the "Register" button and complete the registration questionnaire, which will include setting your User ID and password and providing us with your email address. Once you have completed the Online Banking registration process, you will be notified via email confirming our activation of and your acceptance to Online Banking.
3. Bill Pay Registration. You may register separately for Bill Pay or you may register at the same time you enroll in Online Banking. When you register, your use of this service will be governed by Part VI below. To the extent that any terms in Part VI conflict with the other parts of this Agreement, the Part VI terms shall take precedence over the other terms of this Agreement.
C. Password. We recommended that you change your password regularly. For security purposes, it is recommended that you memorize your chosen password and do not write it down. You are responsible for keeping your password and your linked account information confidential.
D. Online Banking. You may use Online Banking to:
· Make one-time or recurring transfers between your linked Nordstrom Bank checking accounts.
· Transfer funds as a payment to your linked Nordstrom Bank Overdraft Protection Account ("OPA").
· View current balance information for your linked Nordstrom Bank checking and/or certificate of deposit accounts or OPA.
· View and print check images (approximately one (1) year of history will be available).
· Review available transactions for up to one (1) year for your linked checking account, certificate of deposit, or OPA.
· Perform self-service account maintenance such as re-ordering checks; ordering copies of paid checks; requesting copies of monthly checking statements; stopping payment on checks; changing your physical address, phone number, and email address; and changing your User ID and password.
· Send us secure online email messages and questions regarding your Online Banking Service.
· Account notification (set up your account to initiate email alerts for account related events).
Some of the above services may not be available for all types of accounts.
E. Bill Pay. Upon registering for the Bill Pay service, you may:
· Make one-time or recurring payments online from your designated checking account, to companies or individuals (Payees) you select. Please note, use of the Bill Pay service for the payment of taxes or court-ordered payments is prohibited.
· Review, change, and cancel scheduled payments.
· Use the E-Bill feature to:
o Receive bills from participating Payees.
o View Payee bill summary and bill detail information.
F. Contact by Nordstrom Bank. No Nordstrom Bank employee, nor any company associated with the Online Banking Services offered under this Agreement, will contact you via email or phone requesting your User ID or password. If you are contacted by anyone requesting this information, please contact us immediately.
A. Authorizations, Restrictions, Dollar Limitations. When you make an Online Banking transfer request to us or schedule a payment through the Bill Pay service (collectively, a "Transaction"), whether such Transaction is a one-time Transaction or a recurring Transaction, you authorize us to complete the Transaction according to the instructions you submit and without further requiring your written signature on any item.
1. No Transaction may be requested from an account that requires two or more signatures. In the event you request such a Transaction, you hereby release us from liability when processing such Transaction.
2. The completion of a Transaction is subject to the availability of sufficient funds in your designated checking account at time of final processing. You agree that you will instruct us to process a Transaction only when a sufficient balance is or will be available in your account at the time of final processing of the Transaction. If you do not have a sufficient balance, including available credit under any overdraft protection plan, we may refuse to complete the Transaction. In either case (payment or rejection of the Transaction), we reserve the right to impose NSF, or overdraft fees and in the event we refuse to process the Transaction, no further attempt will be made by us to issue the payment or process the transfer request. We are under no obligation to notify you if we do not complete a Transaction because there are non-sufficient funds in your account or available credit under any overdraft protection plan. In all cases, you are responsible for making alternate arrangements or rescheduling the Transaction through the appropriate service. Please refer to your deposit account agreement and fee schedule for details concerning any NSF or overdraft fee we may impose.
3. Unless otherwise specified in writing, there are no limitations to the frequency of Transactions you may authorize.
4. We reserve the right to refuse any Transaction request.
B. Scheduling and Processing Online Banking Transfers. You may conduct transfers of the type identified under Part II (D) of this Agreement. Transfers you submit to or from your linked checking account(s) are immediately reflected in your deposit balance online and at ATMs for that account. Transfers entered before the cut-off time of 4 p.m. Pacific Time (PT) on a business day will be processed on the same business day. Transfers entered after the cut-off time or on a non-business day are processed on the next business day. In order for transferred funds to your account to be available to pay items that are processed against your account overnight (i.e. checks, direct debits), you must submit the transfer before the cut-off time of 4 p.m. PT. To avoid possible NSF or overdraft fees, please be sure to make your transfers before the cut-off time. Please note, your OPA balance will not reflect transfers to your OPA until the next business day.
Scheduled recurring transfers between two or more of your linked Nordstrom Bank checking accounts must be for the same amount and have the same scheduled process date each month. We will process scheduled recurring transfers that fall on a weekend or a non-business day on the next business day.
C. Scheduling and Processing Bill Pay Payments. You may conduct Bill Pay payments of the type identified under Part II (E) of this Agreement. When scheduling your Bill Pay payment, the scheduled Payment Date is the date the Payee receives the payment. If the scheduled Payment Date is a weekend or non-business day, then the Payment Date will be the prior business day. To assure sufficient time for Payees to receive and process your payment, you must allow at least four (4) business days between the current day's date and the Payment Date. If you do not, you will not be allowed to complete the scheduled payment and will be prompted to pick a later date for the payment to occur. If you do not schedule your payment date prior to any late date or grace period conclusion date, you will be fully responsible for all late fees, finance charges, or other action taken by the Payee.
Scheduled recurring payments must be for the same amount and have the same scheduled process date each month. We will process scheduled recurring payments that fall on a weekend or a non-business day on the prior business day.
We will process your scheduled Bill Pay payments in one of three ways in our sole discretion:
· Electronic transmission (most payments are made by electronic transmission);
· Check; or
· Laser Draft.
If a Payee fails to negotiate a check or laser draft within 180 days, at your direction and for no charge, we will stop payment and credit your account for the amount of the payment.
D. Canceling Online Banking Transfers and Bill Pay Payments. You cannot cancel a Transaction once we have processed the Transaction.
1. Online Banking. In order to cancel future Online Banking transfers, you must log into Online Banking and follow the directions provided on the Scheduled Transfer screens located within Account Transfer.
You may cancel or change a future Online Banking transfer any time prior to the cut-off time of 4 p.m. PT on the business day before the scheduled transfer day.
2. Bill Pay. In order to cancel or edit future Bill Pay payments, you must log into Online Banking and follow the directions provided on the Bill Pay screens. The cancel/edit feature is found in the Payment History or Recurring Payments sections of Bill Pay.
You may cancel or change a Bill Pay payment four (4) business days or more before the date on which you originally scheduled the payment to occur. If a payment's status is Processed, you can no longer cancel it through Bill Pay. After you cancel a payment, the status changes to Canceled. Canceled payments remain in your payment history.
3. Stop Payments. Alternatively, you may request to cancel a Transaction by calling us toll free at 1-866-862-1149 or writing us at Nordstrom Bank P.O. Box 13589, Scottsdale, AZ 85267 in time for us to receive your request three (3) business days or more before the Transaction is scheduled to be made. (Please note: do not count the scheduled transfer or payment date when calculating the 3-day time limit.) If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If you call or write to cancel a Transaction that we have begun to process, but have not yet completed, you will be charged a stop payment fee according to the schedule found in your Nordstrom Bank Customer Agreements and Disclosure Statements.
E. Liability for Failure to Cancel or Stop the Payment. If you attempt to cancel a Transaction in accordance with the above instructions and we do not do so, we will be liable for your losses or damages.
F. Documentation.
1. Periodic Statements. You will get a monthly account statement from us for each of your linked checking accounts that are not dormant. We will report your Online Banking and Bill Pay Transactions on these monthly statements. To the extent applicable, the following will appear on your statement: a description of each Transaction, including whom you paid, the date and the amount of the Transaction.
2. Recurring Online Banking Transfers and Bill Pay Payments. If you have scheduled recurring Online Banking transfers between two or more of your linked Nordstrom Bank checking accounts, or you have scheduled recurring payments through Bill Pay, you may confirm each Transaction through Online Banking. You may also contact us toll free at 1-866-862-1149 or write to us at Nordstrom Bank, P.O. Box 13589 Scottsdale, AZ85267 to find out whether or not the Transaction occurred.
G. E-Bills. E-Bills is a feature of the Bill Pay service that enables you to receive bills electronically from participating Payees. You must use the Bill Pay service in order to receive E-Bills.
1. Approval of E-Bills. Participating Payees establish their own criteria for reviewing requests to receive E-Bills and have sole discretion to accept or decline your request. We do not participate in this decision. Participating Payees generally take up to five (5) business days to approve an E-Bill set-up request. However, the presentment of your first E-Bill from each participating Payee could take up to sixty (60) days, depending on your billing cycle with each Payee.
2. Accessing E-Bills from a Third Party. In some cases we obtain the E-Bill from the web site of the Payee. To do so, we will ask you for information needed for this purpose, such as any required password. When you provide this information, you authorize us to access the third party web site to retrieve the account information on your behalf.
3. Timely Delivery of E-Bills. We take no responsibility if a Payee does not provide the necessary data to forward an E-Bill in a timely manner. If you do not receive a bill, it is your responsibility to contact the Payee directly. We are not responsible for any late charges or other adverse consequences. Any questions regarding your bill details should be directed to your Payee.
4. Stop E-Bills. All parties have the right to cancel the service at any time. If you request that an E-Bill be discontinued, it may take as much as sixty (60) days for the Payee to cease sending you electronic bills. It is your sole responsibility to make arrangements for alternate forms of billing delivery.
IV. Other Electronic Transfer Provisions for Consumers
A. Unauthorized Transactions. Tell us AT ONCE if you believe your User ID or password has been lost or stolen. Telephoning Nordstrom Bank toll free at 1-866-862-1149 is the best way of keeping your possible losses down. You could lose all the money in your account(s), plus if applicable, your maximum overdraft line of credit.
· If you tell us within 2 business days, you can lose no more than $50 if someone gained access to your account via Online Banking without your permission.
· If you do NOT tell us within 2 business days after you learn of the loss or theft of your User ID and password, and we can prove we could have stopped someone from gaining access to your account via Online Banking without your permission if you had told us, you could lose as much as $500.
· If your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
B. Contact in Event of Unauthorized Transactions. If you believe your User ID and password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, telephone us toll free at 1-866-862-1149 or write us at Nordstrom Bank, PO. Box 13589, Scottsdale, AZ 85267. You may also contact us using the secure email feature available through Online Banking.
C. Business days. For the purposes of these disclosures, our business days are Monday through Friday, excluding Saturdays, Sundays and federal holidays.
D. Nordstrom Bank's Liability. If we do not complete a Transaction involving your account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, there are some exceptions. We will not be liable, for instance:
· If, through no fault of ours, you do not have enough money in your account to make the Transaction; or,
· If you have an Overdraft Protection Account and the Transaction would go over the credit limit; or,
· If the Online Banking services or Bill Pay services were not working properly and you knew about the malfunction when you started the Transaction; or
· If circumstances beyond our control (such as fire, flood, or power failure) prevent the Transaction, despite reasonable precautions that we have taken; or,
· There may be other exceptions as stated in our Agreement with you.
E. Error Resolution Notice. In Case of Errors or Questions About Your Online Banking Services, telephone us toll free at 1-866-862-1149
or write us at:
P.O. Box 13589
as soon as you can, if you think your statement is wrong or if you need more information about a Transaction listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
F. Disclosure of Account Information. We will disclose information to third parties about your account or the transfers you make:
· Where it is necessary for completing transfers or bill payments or to investigate or resolve a problem related to a transfer or payment; or
· In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
· In order to comply with government agency or court orders; or
· If you give us written permission; or
· As otherwise provided in our Privacy Policy.
You hereby agree to our collection, use, and sharing of information about your account(s) as provided in our Privacy Policy, which is included as Part VII of your Customer Agreements and Disclosure Statements.
A. Monthly Service Charges and Other Fees.
· There is no monthly service charge for the Online Banking services described in Section II (D) or the Bill Pay service described in Section II (E)
· Other fees have been separately disclosed to you in connection with your linked account and may apply to Transactions under this Agreement. Please consult your Deposit Agreements to see if your Transactions are subject to these fees.
B. Termination. Your access to Online Banking and/or Bill Pay shall remain in effect until terminated by you or Nordstrom Bank. If your access to Online Banking is cancelled and you have also registered for Bill Pay, your participation in Bill Pay will be automatically cancelled. If you close your linked checking account, or if it is no longer linked to an Online Banking Service, your access to Online Banking and/or Bill Pay will end, and any unprocessed Transactions will be canceled.
· You may cancel either Online Banking or Bill Pay at any time by notifying us of your intent to cancel in writing, through Online Banking secure mail or by calling us toll free at 1-866-862-1149. Such cancellation does not terminate your Nordstrom Bank checking accounts. If you choose to cancel Online Banking and/or Bill Pay, any unprocessed Transactions will be canceled. We recommend that you cancel any unprocessed Transactions prior to notifying us that you are discontinuing the Online Banking Service. We will cancel any scheduled payments within two (2) business days from the date we receive your request to discontinue either Online Banking or Bill Pay.
· We may terminate your participation in Online Banking and/or Bill Pay for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so. If we terminate your participation in Online Banking and/or Bill Pay all unprocessed Transactions will be canceled.
C. Joint or Multi-Party Accounts. When Online Banking or Bill Pay is linked to one or more joint or multi party accounts, we may act on the verbal, written, or electronic instructions of any authorized signer. Each authorized signer may separately enroll in Online Banking or Bill Pay and each authorized signer has the same right of access to any linked account.
D. Change in Terms. We may change any term of this Agreement at any time and will send you reasonable notice in writing or give you notice by any other method permitted by law. Your continued use of any of the Online Banking Services offered under this Agreement following the effective date of any change, addition or deletion to this Agreement will show your consent to that change, addition, or deletion.
E. External email Address and Change in email Address. With the Online Banking Services offered under this Agreement, we may send messages to your external email address. If you subscribe to the E-Bills service, we may also use external email to notify you that you have new bills. We cannot act on instructions sent by you from an external email address. You should use Online Banking secure mail to send instructions to Nordstrom Bank. If for any reason your external email address changes or becomes disabled, you agree to promptly notify Nordstrom Bank of your new email address. You may notify us of any changes to your external email address through the Customer Service tab within Online Banking.
F. Reservation of Rights. We reserve the right to waive the enforcement of any of the terms of this Agreement with you with respect to any Transaction or series of Transactions, not to assess part or all of any fee or other amounts or not to exercise any other of our rights pursuant to this Agreement and, by doing so, we will not have waived our right to assess such fee or other amounts or exercise other rights pursuant to this Agreement in the future.
G. Governing Law. This Agreement is governed by and construed in accordance with the laws of the United States. To the extent state law applies to this Agreement, this Agreement will be governed by the laws of Arizona. You agree that if a dispute arises and suit is filed against Nordstrom Bank, service of process on Nordstrom Bank may be made only at Nordstrom Bank's main office in Scottsdale, Arizona. If any part of this Agreement becomes unenforceable, it will not make any other part of this Agreement unenforceable.
VI. Terms and Conditions of the Bill Payment Service
A. Service Definitions
"Service" means the bill payment service offered by Nordstrom Bank, through CheckFree Services Corporation.
"Agreement" means these terms and conditions of the bill payment service.
"Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.
"Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).
"Payment Account" is the checking account from which bill payments will be debited.
"Billing Account" is the checking account from which all Service fees will be automatically debited.
"Business Day" is every Monday through Friday, excluding Federal Reserve holidays.
"Scheduled Payment Date" is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.
"Due Date" is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.
"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.
B. Payment Scheduling
The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.
C. The Service Guarantee
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.
D. Payment Authorization and Payment Remittance
By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives.
When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service.
The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller; and/or,
4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.
Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.
E. Payment Methods
The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment (funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to your financial institution for payment).
F. Payment Cancellation Requests
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
G. Stop Payment Requests
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
H. Prohibited Payments
Payments to Billers outside of the United States or its territories are prohibited through the Service.
I. Exception Payments
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.
J. Bill Delivery and Presentment
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:
· Information provided to the Biller - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.
· Activation - Upon activation of the electronic bill feature the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.
· Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
· Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.
· Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
· Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.
· Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.
This Agreement does not alter your liability or obligations that currently exist between you and your Billers.
K. Exclusions of Warranties
L. Password and Security
You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 866-862-1149 during customer service hours.
M. Your Liability for Unauthorized Transfers
If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.
N. Errors and Questions
In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:
1. Telephone us at 866-862-1149 during customer service hours;
2. Contact us by using the application's e-messaging feature; and/or,
3. Write us at:
Suite 150
8502 E Princess Drive
Scottsdale, Arizona 85255
If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
4. Tell us your name and Service account number;
5. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
6. Tell us the dollar amount of the suspected error.
If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.
O. Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:
1. Where it is necessary for completing transactions;
2. Where it is necessary for activating additional services;
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
4. To a consumer reporting agency for research purposes only;
5. In order to comply with a governmental agency or court orders; or,
6. If you give us your written permission.
P. Service Fees and Additional Charges
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.
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In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:
1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;
4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
5. The Service is authorized to report the facts concerning the return to any credit reporting agency.
R. Alterations and Amendments
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.
S. Address or Banking Changes
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.
T. Service Termination, Cancellation or Suspension
In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact customer service via one of the following:
1. Telephone us at 866-862-1149 during customer service hours; and/or
2. Write us at:
Nordstrom Bank
Suite 150
8502 E Princess Drive
Scottsdale, Arizona 85255
Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.
U. Biller Limitation
The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.
V. Returned Payment
In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from the Service.
W. Information Authorization
Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. If your account was added online the Service may issue offsetting debits and credits to the Payment Account(s) and/or Billing Account, and require confirmation of such from you in order to verify ownership of the Payment Account(s) and/or Billing Account. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).
X. Disputes
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.
Y. Assignment
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
Z. No Waiver
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
AA. Captions
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
BB. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.
VII. Electronic Disclosure and Consent
Through your consent below, you acknowledge and agree that we may provide you with all disclosures, notices and other communications, about the Online Banking Services offered hereunder, including this Agreement and any future change in terms, in electronic form. We may provide all future notices by posting them on the Online Banking Sign In-Page for a period of at least 90 days. We will alert you of such posting by sending notice to you at the email address you have provided. If for any reason your external email address changes or becomes disabled, you agree to promptly notify Nordstrom Bank of your new email address. You may notify us of any changes to your external email address through the Customer Service tab within Online Banking. You may download or print such notices from your computer if you have the hardware and software described in this Agreement. Alternatively, we may send such notices directly to you at the email address you have provided.
At your request, we will provide you with a paper copy of any of the above documents without any fee.
You have the right to withdraw this consent, but if you do, we will immediately terminate your participation in Online Banking and/or Bill Pay. You may obtain copies of any documents we provided electronically or withdraw your consent by calling us toll free at 1-866-862-1149.


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22 Apr 05 - 27 Sep 11
uk politics news site politics.co.uk
Election 2005
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Updated, Friday, 22 Apr 2005 07:45 GMT+1
Election 2005 - Constituency Focus
Berwick-upon-Tweed: Big seat, big issues
Thursday, 21 Apr 2005
One of the first things to strike a passenger on the number 515 bus north out of Newcastle is the wide open space that opens up around them. That is because the bus is taking them into the most sparsely populated constituency in the country: Berwick-upon-Tweed, 50 miles long and covering 231,000 hectares, has only 57,000 electors.
England's most northerly constituency, Berwick-upon-Tweed is a vast expanse of forest and farmland, dotted with remote hill settlements and the occasional larger town such as Berwick itself and the market town Alnwick. It is also as safe a Liberal Democrat seat as you could hope to find, having been held for the past 31-and-a-half years by Alan Beith, a short, pleasant man from a Methodist background.
It is a big area to get around, as Beith well knows after more than 30 years of 100-mile round trips, and surgeries around the constituency every weekend. In the autumn, he does a mobile surgery that takes him to 120 separate villages.
Coming up in Constituency Focus:
Dundee East
Ulster Mid
At the moment, however, the surgeries are on hold as he tries to see off another batch of contenders. This time around they are the Conservatives' Mike Elliott, a Berwick-based local councillor and seed merchant; and Labour's Glen Reynolds, based in Darlington, who provides legal and media advice to organisations such as Age Concern and Victim Support.
Beith admits that maintaining his 8,000 majority will be hard work, and is open about his strategy for seeing off an expected Conservative revival.
"They [the Conservatives] started to recover a bit last time - well, they must recover a bit more as part of a national [recovery]," he says.
"I'm expecting to face a stronger Tory threat this time than last time and therefore it's very important that I attract more votes from Labour than I've done in previous years."
Berwick-upon-Tweed faces a wide range of issues, but what links them all is a feeling that the area is not getting as much public money as it deserves. Ever since Berwick's traditional industries - mainly mining, but also textiles and fisheries - began to decline, the North-South divide has become more and more apparent.
Today, Berwick has some of the lowest average wages of any area in the country, and is still struggling to come to terms with disappearance of its traditional occupations. Reynolds describes it as "having the soul taken out of the area" while Beith says the region's whole economic structure has had to change.
"It's changed the character of many of the villages, which at one time would have been dominated by people who worked in the local major industry whether it was farming or fishing and related trades, to villages in which many of the people are retired; others work elsewhere in fields unconnected with the fact that they live in a rural village - wherever they can get to a job - and others are dependent on state benefits."
For Labour's Reynolds, the reason that Berwick-upon-Tweed is still suffering from under-investment is that Beith is unable to exert enough influence on the Government.
"There is an absence of investment - and part of that is not having a representative at the heart of decision-making," he says.
"There should be a vote in the heart of government for Berwick rather than in the wilderness. I do see that as a key factor why progress has not been made."
Reynolds adds: "At the end of the day, it comes down to investment."
Beith, however, has no time for this argument.
"What he's actually suggesting when he say that is that the Labour Party is deeply corrupt - that it only favours those places that elect Labour MPs. Now, I do see occasional signs of that, [but] I don't think it's the general picture of how government operates in this country.
"And if it was so, at any point when there looked like being a change of government, he should be advising all Labour voters to vote for the party that looked most likely to win nationally. It is an absurd position."
Both candidates agree on the need for more investment, however - as do local businesses. Steve Rankin, regional director of the CBI North-East, says the area gets just £4 million in R&D funding from a total government budget of £1.8 billion: "We need some of these government scientists and researchers working in the North-East."
More money must also be put into the region's transport if it is to flourish economically, he adds.
Another problem for Berwick-upon-Tweed is that house prices are going up as the area becomes more popular with retirees and people buying second homes; and when that combines with the low wages, there are real problems.
The shortage of affordable housing has been exacerbated by the sale of council houses, often to people from outside the area. Beith wants to see more social housing built, either by the local authorities or through development trusts; he also fears that the Housing Corporation's enthusiasm for large projects means that the small-scale building needed for
Berwick-upon-Tweed's villages will fall by the wayside.
Reynolds says a lot of good work has already been done by the Office of the Deputy Prime Minister, but admits more must be done to create a "commercial situation" in which people can afford to buy houses.
In such a large area, getting around is always a problem. A small population means local bus services are hard to sustain - but many of the constituency's residents are entirely dependent on them. Beith says he is in "constant" discussions with council officers about how bus services can be improved.
Perhaps the most controversial issue in recent times, however, has been Labour's changes to the way in which GP out-of-hours care is delivered. The new system, introduced in September last year, was supposed to make out-of- hours care more efficient and streamlined, but fears over how it would operate in rural areas have been confirmed in Berwick-upon-Tweed.
Healthcare in the area had evolved over a long time to fit the constraints of rural life. The Alnwick and Berwick infirmaries provided a range of services that a community hospital would not normally deal with, such as taking in GPs' patients for overnight observation, because larger hospitals were too distant.
However, Beith says, Labour showed "a fundamental lack of understanding" of those kinds of arrangements when they introduced the new system.
"It was based on the idea that you do everything in district general hospitals because you've got more facilities there and in the community hospital you just put people there to recuperate. [But] it can't work when the district hospital is 50 miles away. And they just didn't understand that."
Having made it a major political issue, Beith gained a review of the new arrangements, and he says the review team has made proposals that, if carried out, will significantly improve how the out-of-hours care operates.
But, he adds: "I'll believe it when I see it, so I'm staying on their back to see that they do."
Reynolds acknowledges that Beith has worked hard on that issue, but is sceptical about his ability to deliver on wider issues for his constituents.
In the remaining few weeks, he will be pushing the line that 30 years of Liberal Democrat representation has not worked for Berwick-upon-Tweed, urging voters to "make a change from voting for a political party that's on the outskirts of the decision-making process".
He says: "What makes this exciting is there a growth in the [positive] attitude towards change. People are now asking questions about how adequately the Liberal Democrats have represented them for 30 years."
Asked about his overall strategy, he says: "A key to it is actually ensuring that regions like Northumbria are not left behind … and it's recognising what are the needs and demands of the twenty-first century. It's all about more wealth, jobs, employment strategy, education so that people don't have to go to a different part of the country to be educated or to retire."
Reynolds will be hoping to make headlines for the right reasons, having recently landed in hot water for calling for Prince Charles to step aside from the succession. He has since withdrawn the comments, saying they were a "totally personal viewpoint" that had nothing to do with the Labour Party or his candidacy.
However, he cannot resist adding, when asked about housing shortages: "The irony is that the Duke of Northumberland is the fourth richest landowner in the country, and yet people are having to move out of Northumbria because they can't afford to live here."
Intriguingly, he adds that Labour needs to be "upfront" about its tax plans. Although denying that the party has been dishonest in the past, he says: "I believe people will respect people when they talk straight on tax - and will pay a little more for better services."
Beith, meanwhile, will be hoping for yet another term in Parliament, and insists he is not ready to retire just yet.
Previous Constituency Focus
Changing landscapes in Rochford and Southend East
Eastleigh feels the housing squeeze
Yardley: The battle of ASBOs and subways
Hornchurch: Vying for the grey vote
Temperature rising in Manchester Withington
Bristol West: Education, education, education
Cardiff Central: The price tag of regeneration and renewal
Rifkind at ease in Kensington & Chelsea
Edinburgh South: Making Westminster relevant
Bedfordshire South West: Where national, not local, will prevail
Gateshead comes out of the shadows
Wyre Forest: Passionate about health
Mid Dorset and North Poole: On a knife edge
Hove: The seat the Conservatives forgot how to win
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|Basic HTML
Computing Resources >> Tutorials >> Web Development >> Basic HTML
Lists in HTML can be a very easy way to format text without using
 tags. Some things simply lend themselves to being put into a list...ordered or unordered. You can make the call as to whether or not something should just be made into a list. If you find yourself pining over how to format something and are using
 tags, consider using a list instead. Here's how they work.
Ordered Lists
There two main types of lists you use: ordered and unordered lists. An ordered list will be numbered or alphabetized. An unordered list will simply be bulleted (hence, unordered). To begin an ordered list, you use the
 tag (ol stands for ordered list...can you guess what the tag for an unordered list is?). Within a list, you will need place list items...these are the actual contents of the list. You enclose them in
 tags. Take a look at the following ordered list:

Item 1

Item 2

Item 3

Item 4

That code would produce the following ordered list:
There are different ways to format ordered lists. All you need to do is append a "type" attribute to the
 tag so that you can create different ordering types, like so:

 makes uppercase letters (A, B, C)
 makes lowercase letters (a, b, c)
 makes uppercase Roman numerals (I, II, III)
 makes lowercase Roman numerals (i, ii, iii)

So
 would result in an ordered list like this:
Unordered Lists
What about unordered lists? The code is almost identical, except you use an
 tag instead of an
 tag (It's easy to remember...
 vs.
...
 stands for ordered list and
 stands for unordered list). Take a look at the following code...it will look remarkably familiar:

Item 1

Item 2

Item 3

Item 4

That code would produce the following unordered list:


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Being a Firefighter requires plenty of introspection and evaluation of our own attitudes. What does it mean to be a Firefighter? This answer is different for each one of us. The commonality is that we must come together as a team to serve our fellow man. Not only must we be cohesive to solve the problem we are responding to, we must band together to ensure all tools, equipment, and knowledge is ready for the call. Keep in mind the other roles you play in your life..husband, wife, brother, mother, son, father, sister, cousin, friend, co-worker, teacher…are affected by the action, or lack of action, when standing in the role of Firefighter.
Please watch this video and reflect on what the title of Firefighter means to you.


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Eighth-grader Tyler McCullough pitched a two-hitter, junior Cole Frazier hit a three-run homer and the Middlesboro Yellow Jackets celebrated Senior Night with an 11-1 win over Barbourville on Monday.
Following the game the Jackets honored seniors Brandyn Ball, Hunter Collett, Tyler Prater and Lucas Crawford. The players were introduced on the field along with their families and presented photo posters.
"It's a good group of kids. I was fortunate enough to be an assistant coach for their freshman and sophomore years and the head coach for their junior and senior years. They're all hard-working kids that will do anything you ask them to do. They're always on time and they play the game the right way ," Smith said. "They'll all be successful in life. A couple of them are going on to play ball in college (Prater for football and Crawford for baseball at UPike), all four of them are going on to college and that's what we aim for. I think they'll all do well."
Frazier finished with two hits in the game as did Tyler Yoakum, Brandon Hale and seniors Ball and Collett. Matther Mike also singled as part of Middlesboro's 11-hit attack.
McCullough walked one and hit a batter in the first inning, but worked his way out of that jam and settled in nicely. He struck out ten over his five innings while giving up one run on two hits, one walk and two hit batters.
"We had started him earlier in the season against Barbourville and I don't think he got out of the second inning. I'm sure he was nervous in his first varsity appearance," Jacket coach John Smith said. "I talked to him last night and told him he was going today, I told him he's not and eighth-grader anymore after 30 varsity games and that he would do fine. And he did, he did a great job getting ahead of their hitters and had command of all three of his pitches. We're proud of him and expecting big things out of him in the future."
The Jackets took the lead in the bottom of the first with a two-out rally. Yoakum, Frazier and Hale delivered consecutive singles to make it 1-0. Yoakum reached base and came around to score in all four of his plate appearances.
Barbourville tied the game in the top of the third. Dylan Worley singled with one out, Tate Carter reached on an error and Tanner Moore delivered an RBI double.
Middlesboro answered in their half of the inning as they got to Carter for four runs. Brock drew a lead off walk and advanced all the way to third as Ball reached on a bunt down the first base line. Ball stole second and Brock was able to slide in under the tag at the plate on Yoakum's fielder's choice back to the mound. Carter struck Frazier out looking, but Hale followed with an RBI single and Yoakum scored on a wild pitch to make it 4-1. Matthew Mike blooped an RBI single into shallow center to bring Hale in for a 5-1 lead.
Frazier got his revenge in the fourth inning. With one out, Ball singled and Yoakum walked and the junior DH deposited a three-run shot over the fence just left of straight away center field to make it 8-1.
"He had struck out looking in the at bat before and he didn't sit over in the dugout and pout about it. He went out, got a pitch he like and drove it over the fence," Smith said. "That's what we try to tell them all to do: Forget about their last at bat or an error they made, just get focused and ready to go on the next pitch."
The Jackets brought an early end to the game with three runs in the bottom of the fifth. Collett opened the inning with double into the right-center gap. With one out, Brock lined a shot to center that bounced out of the outfielder's glove for a two-base error as Collett scored. With two out, Yoakum delivered an RBI single. He went to second on a passed ball and scored the walk-off run from there as Frazier's hard grounder to short got through for an error.
The Jackets went 2-1 in their three games at Whitley County over the weekend. They beat Jackson County 14-4 in six innings and got a no-hitter from Brandyn Ball in Friday's 7-0 win over McCreary Central. They dropped a 10-5 decision to Whitley early Saturday morning.
"Brandyn Ball pitched that first game against McCreary Central and threw a no-hitter. He was one hitter away from a perfect game, he walked one guy and picked him off two pitches later," Smith said. "He did a heck of a job. We dropped him down this fall to where he's almost throwing submarine and he's won some big games for us.
"Overall, the team played great this weekend. We had a little tiredness Saturday after playing those two games late Friday night and had to get up and drive back there at 9 a.m. Saturday. We sort of struggled that morning, gave up a few runs, but we battled back and made it respectable. For a while it looked like we were going to get run-ruled. But they're coming around and playing good, solid baseball right now."
Middlesboro (21-13) hosts Williamsburg on Thursday and will close out the regular season at Clay County on Friday. Barbourville (8-8) hosts Bell County today.
— — —
|Tate Carter and Collin Grubb; Tyler McCullough and Tyler Prater. W — McCullough. L — Carter. HR — M:Cole Frazier.


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True Religion continues to feed those fashion zealots who can't get enough premium denim in their life with classic fits in trademark washes that captureboth in name and in deedthe rugged tradition of this quintessentially American cloth.
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Leesburg cancels Halloween parade
The Leesburg Kiwanis has canceled its annual Halloween parade due to Hurricane Sandy.
"The town felt they would be unable to provide the manpower they need for helping with the parade and deal with the aftermath of this storm," said Sven Johnson of Leesburg Kiwanis.
Johnson said this is the first time in 56 years Kiwanis has had to cancel the parade.
Public Safety / People / Western Loudoun / Leesburg /
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SCOPE New York 2012 | Official Catalog
Following the tremendous success of its Miami edition, SCOPE Art Show returns to New York City for the eleventh year, with an exciting, high-profile location across from The Armory Show. The 30,000 square foot pavilion on 57th Street and 12th Ave will host SCOPE's flagship fair, SCOPE New York, featuring over 50 international galleries and museum-quality programming that will highlight groundbreaking, emerging work in contemporary art and beyond. SCOPE New York's First View will take place on March 7, 2012, with proceeds benefitting New York-based non-profit, chashama.
59 EXHIBITORSEXHIBITORS 909 Central Avenue St. Petersburg, FL 33731 USA t + 1 727 898 6068 email@example.com www.c-emersonfinearts.com C. Emerson Fine Arts ST. PETERSBURG Jason Snyder | Weathering the Storm Painting Exhibiting Artists: Kim Anderson | Clayton Chandler | Teiji Hayama | Daniel Mrgan | Justin Nelson | Jason Snyder E10 523 N. Charles Street Baltimore, Maryland 21201 USA t + 1 410 539 1080 F + 1 410 539 2229 email@example.com www.cgrimaldisgallery.com Exhibiting Artists: Chul Hyun Ahn | Madeleine Dietz | Grace Hartigan | Beverly McIver | Annette Sauermann C. GriMALDis GALLErY BALTIMORE Chul Hyun Ahn | Void Cast acrylic, LED lights, mirrors 2011, 90" x 71.5" x 12.5" D10


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Daybreak: Rand Paul's Filibuster Ends
Plus Silvio Berlusconi gets a year in jail
• Kentucky Senator Rand Paul's filibuster against the nomination of John Brennan for CIA Director lasted over 13 hours, ending early this morning after midnight. The main issues of his filibuster were drones and the extra-judicial killing of Americans. [ABC]
• Former Italian Prime Minister (and Tom Wolfe caricature) Silvio Berlusconi has been sentenced to one year in jail for publicly releasing the contents of a confidential phone call he furtively recorded. [Reuters]
• White House spokesman Jay Carney confirmed that the President Obama will be going to Israel regardless of whether Israeli Prime Minister Benjamin Netanyahu is able form a coalition or not. Earlier reports suggested that Obama might call the trip off if Netanyahu can't reach an agreement with coalition partners. [JTA]
• President Obama will also not be speaking at the Knesset during his trip, choosing instead to address an Israeli school. [Haaretz]
• Sure, Maroon 5 lead singer Adam Levine is famous and successful. (The Scroll's still not sure why.) Jewcy looks into his life and finds some things you'd be surprised to know. [Jewcy]
Sundown: Suspect in Hit-and-Run Arrested
Plus Syrian rebels capture UN peacemakers in the Golan Heights
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You can now invite anyone to meet at your favorite Starbucks.
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28 year old man | Washington, DC, USA | Seeking women 22-35 in District of Columbia, United States
Looking to have friendship to have fun in DC
Writing about oneself is one of the most difficult tasks. Let me give it a try; I am an attorney based in DC. I am smart, witty, sophisticated, mature, sociable and honest. I like going out with friends, watching movies, concerts, reading, adventure sports, exploring something new and travelling. I always try to maintain a good balance between my professional and social life. I like working out and to be in shape. I am looking for a good, sensible, sophisticated, sarcastic, gregarious and fun loving girl. A girl who is equally comfortable with watching a movie on couch with popcorn (I can't watch movie without it) as well as going to a club. Someone who prefers going for good dinners coupled with great conversation and laughter, someone who also prefers to go for long walks at times or someone who is up to explore something new and interesting. Ideas are infinite, it is all about the chemistry and compatibility. If you are the one i just described then we can catch up over drinks or dinner and may proceed from there. Looking forward to meet the right girl. I do not want to blabber here about my match, i would rather prefer a good one on one conversation. I am keeping it short and simple here, If i am able to gain your interest then do not hesitate to send a message. Thanks for giving my profile a look. God bless!!!
Baseball, Basketball, Dancing, Football, Golf, Running, Soccer, Swimming, Tennis / Racquet sports, Walking / Hiking, Yoga
I exercise 1-2 times per week.
I like Birds, Dogs, Fish, Horses
Dupont, U street, Hotel W, bodega, Rasika, ESL, Lost Society, BLT, Teaism, Bahamas, Italy, BVI, Luxembourg, Greece, Delhi
Dexter, HIMYM, Suits, Modern Family, White Collar, History Channel, Bollywood, NFL, list is endless..
hang out with friends, concerts, dance clubs, museums, travelling and reading
Steve Job's biography, Shantaram, kite runner
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'11" (180cms)
|5'2" (157cms) to 6'0" (182cms)
|Body type:
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|Slender, Curvy, Full-figured, A few extra pounds
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|Yes, but trying to quit
|No Way, Occasionally, Yes, but trying to quit
|Social Drinker
|No preference
|Administrative / Secretarial, Artistic / Creative / Performance, Executive / Management, Labor / Construction, Legal, Medical / Dental / Veterinary / Fitness, Political / Govt / Civil Service / Military, Technical / Science / Computers / Engineering, Travel / Hospitality / Transportation, Other profession
|I'll tell you later
|No preference
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|Wants kids:
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|East Indian
|Black / African descent, East Indian, Latino / Hispanic, Pacific Islander, White / Caucasian
|Agnostic, Atheist, Buddhist / Taoist, Christian / Catholic, Christian / Protestant, Hindu, Jewish, Muslim / Islam, Spiritual but not religious, Christian / Other
|English, Hindi
|Graduate degree
|Bachelors degree, Graduate degree, PhD / Post Doctoral


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Pronunciation: dilun
Added on: 2010-01-08 Listened: 161 timesin: monday
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Back in Black
View Single Post
Still Standing
Joined: Jul 2010
Location: Scott Walker Hell
Oddometer: 316
Good Info
Originally Posted by
I have also learned a tremendous amount from Geek's posts (Thanks Geek!), and followed his lead and installed a voltmeter on my 950. Was out on it all day yesterday, and i can tell you tha the heated gear and grips do dry alot of power. Assuming your regulator is in good shape (mine is new), my experience is about 14.3 volts with nothing on. Grips draw it down to about 13.7, grips and heated vest down a couple more tenths. I avoid using my aux lights when I have two heat draws on, because they can suck a couple more volts. I don't like to drop below 13.5 volts for long, as I have a Shorei battery, and they need a pretty good charge.
I'm sure Geek can (and likely will) provide a much more technical answer, but I thought I'd share my personal experience FWIW . . .
Thanks, Camel, for relaying your experience, I find it quite helpful. Would you mind providing the wattage rating and brand/model of your heated gear?
Looking forward to Geeks input as well on this subject.
"Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well-preserved body, but rather to skid in sideways, totally worn out and screaming "WOO-HOO, what a ride!!"
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20 geckos seized in Laguna; 12 arrested
CAMP PACIANO RIZAL, Philippines—Police seized 20 geckos on Wednesday and arrested 12 people suspected of illegally poaching the lizards for an underground trade in San Pedro, Laguna.
Senior Superintendent Gilbert Cruz, Laguna police director, in a text message, said the geckos were recovered from the house of a certain Eduardo Junio in Barangay (village) Cuyab in San Pedro at around 1:30 p.m. on Wednesday.
Supt. Kirby Kraft, San Pedro police chief, said the police had received a tip from a concerned citizen that geckos were to be illegally transported to the town.
"It was not initially identified where in San Pedro, until today (Wednesday) when an informant led us to (Junio's) house," Kraft said in a phone interview.
Police arrested Junio, a certain Serafin Mendoza from Dasmariñas City in Cavite, and 10 other people inside the house.
"(The suspects) would not tell us anything but they said the geckos all came from Bicol," Kraft said.
Police, however, believed the geckos, all placed in a large animal cage when found, would be sold. "Why would you keep a gecko in your home?" Kraft said.
In 2011, the Department of Environment and Natural Resources had warned the public against collecting and selling geckos, as this violated the Animal Welfare Act.
At the time, there was a frenzy for the reptiles believed to bear the cure for HIV-AIDS and news on the street said that foreign buyers were willing to buy geckos weighing at least 300 grams for P1,000 per gram. However, no medical expert has confirmed that geckos indeed bore the cure the HIV-AIDS, human immuno-deficiency virus which leads to the Acquired Immune Deficiency Syndrome.
Kraft said they would turn over the geckos to the DENR.
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6 Apps to Boost Efficiency
This app enables you to swipe and charge your client's credit cards through your smartphone — which means getting paid on the spot when your business takes you out and about is no longer an issue. PayAnywhere tracks invoice numbers and keeps an inventory of items and services offered, with the added benefit of environmentally-friendly emailed receipts. Best of all, the app that puts money in your wallet comes to you completely free of charge; that means no minimum processing or hidden fees to subtract from your profit.
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COLUMBIA CITY ŌĆö Thelma E. Reed Veitch, 95, formerly of Big Lake, died at 9:04 a.m. Monday, Aug. 29, 2011 at Dupont Hospital, Fort Wayne where she was admitted the day before.
She was born Jan. 6, 1916 in Noble County, a daughter of Samuel Delbert and Lola A. (Wilkerson) Paulus.
Her formative years were spent in Noble County. She graduated from Wolf Lake High School.
She worked at Blue Bell, GrantŌĆÖs Warehouse in Fort Wayne and assisted at ReedŌĆÖs Shoe Store.
Following her graduation from Fort Wayne Beauty College in 1967, she worked for Evelyn Street until 1978.


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It seems a little Top Gear award makes a big difference. Because our 2012 Bargain of the Year, the Duster, has helped Dacia storm Europe this year, making it the fastest-growing car brand in the EU.
Dacia: it's taking over the world
Good news! James May's favourite budget brand is EU's fastest-growing car maker
According to some large numbers compiled by men with large brains, Dacia shifting 21.1 per cent more cars in the EU in the first 11 months of 2013 than it did in the same period last year.
Obviously we can't take total credit for Dacia's explosion, but let's just say we're expecting a pretty large Christmas card from Romania this year. A large, very affordable Christmas card, naturally.
Renault's Romanian brand has also increased its share of the bottom-rung, über-budget market from 1.9 per cent in 2012, to a whopping 2.4 per cent. Dacia's success has caused Nissan to revive Datsun as a budget brand, with Volkswagen and Fiat threatening to launch their own cheap-as-very-cheap-chips ranges.
But have we created a monster? Using some Top Gear maths, if it continues its 21-per-cent-per-year growth, in just 20 years EVERY SINGLE CAR sold in the EU shall be a Dacia. We think...


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Very little is currently known about the practice of using offenders as peer mentors. This study seeks to begin to address this gap in our knowledge and has four key objectives: • to develop the evidence-base regarding the practice of using offenders in peer mentoring roles • to establish what works (and what does not) • to identify the individual and wider benefits and how these can be maximised in future provision • to develop principles of 'best practice'.
This topic is included in the EPPI-Centre knowledge library. The Knowledge Pages facility enables users to search for the key messages within specific subject areas to which EPPI-Centre reviews have contributed.


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You have questions about governmental plans. Panel's Governmental Plans Answer Book has the answers you need:
It's no secret—when it comes to governmental plans, even the most seasoned pension professionals often find themselves on shaky ground. For good reason. With more than 2,300 state and local government retirement systems in the U.S.—each subject to federal, state and local laws—confusion about the rules and risk of compliance errors abound. But now there's a resource that puts you on terra firma when dealing with governmental plans: Panel's new Governmental Plans Answer Book. Prepared by a team of practicing experts—preeminent in their fields—this comprehensive resource takes you step by step through the various laws that govern these plans. The guide makes it easy to understand the unique features of governmental retirement plans, so you can keep your plan in compliance and handle with confidence the myriad administration issues that arise.
At last—governmental plans demystified!
Co-authors Carol Calhoun and Cynthia Moore have gathered in one, highly accessible volume answers to more than 1,500 questions about governmental plans. In clear, plain-English terms, they set forth the federal laws that regulate governmental plans, the various state and local government pension laws that apply, and the compliance issues that go with them. You'll find specific guidance on all tax-qualified government pension plans including:
Cynthia L. Moore is an attorney who specializes in state and local government retirement plan issues. She is President of the National Association of Public Pension Attorneys. She is Washington Counsel for the National Council on Teacher Retirement (NCTR), and has served on the Executive Board of NCTR. Her practice includes representing various retirement systems and other governmental plan clients. Cynthia also speaks and writes on government plan topics and is the author of the NCTR's Public Pension Plans: The State Regulatory Framework, a survey text on state teacher retirement systems.
• Introduction to Governmental Plans
• Structure of State and Local Governmental Plans
• Identifying the Employer
• Obtaining Favorable Tax Status
• Reporting
• Governmental Plan Funding
• Investment of Plan Assets
• Selecting a Service Provider
• Remedies for Fiduciary Breach
• Participation
• Distributions
• Beneficiary Designations
• Domestic Relations Orders
• Impact of Bankruptcy Law on Participant Interests in Governmental Plans


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MadMenDub Colossus
Addis To Omega
CD/LP/Track Review
- Dub Colossus: Addis To Omega by Fiona Ord-Shrimpton
Dub Colossus: Addis To Omega
Self Produced
Track Listing: Boom Ka Boom (and the Dub Disciples); Family Man; The Casino Burning Down; We Are The Playthings Of The Rich; Fight Back; Addis to Omega (Amnesis Remix); Keep on Rocking; Soft Power; Madmen; Mi Dad; Tale Of Two Cities; The Shape Of Things To Come; Happy Face; A Voice Has Power; Orpheus Underground.
Personnel: Dubulah (Nick Page): drums, bass, guitars, vocals, keyboards, Dub FX, programming, percussion; Nick Van Gelder: drums; Dani Fabregas: drums; Winston Blissett: bass, vocals; Sebastian Martinez: bass; Bernard O'Neill: double bass, piano; PJ Higgins: vocals; Mykael S. Riley; vocals; Toby Mills: keyboards, percussion; Tim Whelan: piano, zither; Horns of Negus (Ben Somers, Neil Waters, Bob Dowell): brass and woodwind; Paul Chivers: percussion, drums, keyboards; Harry Brown; trombone; Orphy Robinson: vibraphone; Samy Bishal: violin; Boleslaw Usarzewski: mandolins; Simon Smith: melodica.
Record Label: Self Produced


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text:
House passes bill forbidding welfare waivers
"What HHS proposed was allowing states in demonstration projects to see if they could undertake further innovations to help people move to work," said Rep. Sander Levin of Michigan, the top Democrat on the House Ways and Means Committee. "I just think it's a mistake to take the campaign of last year and project it onto the floor of the Congress."
Republicans contend that the Health and Human Services Department was acting illegally in offering the waivers, saying the welfare law bars the administration from waiving the work requirement.
"Some have said that this is a waste of time because no state has even asked for a waiver," Camp said. "Preserving the work requirement in welfare is never a waste of time. It was good bipartisan policy when President Bill Clinton signed it into law and it is good sound policy today."
Follow Stephen Ohlemacher on Twitter: http://twitter.com/stephenatap
The Associated Press


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- May 2:
- Occupy Denver regroups at downtown May Day protest
- May 1:
- Occupy Denver joins Occupy Wall Street in May Day protest
- Mar 16:
- Five arrested for dumping garbage bag of pot in Denver's Civic Center park and passing it out, police say
- Mar 15:
- 5 arrested for dumping garbage bag of pot in Civic Center and passing it out, police say
- Mar 13:
- Occupy protester Corey Donahue arrested after allegedly assaulting Denver officer in marked police cruiser
- Mar 12:
- Scabies infection at Occupy Denver site prompts pledge of regular "clean sweeps"
- Feb 10:
- Man who set structure on fire at Occupy Denver protests pleads guilty to arson
- Jan 30:
- Occupy group rekindles Oakland protests
- Jan 29:
- Occupy Denver marches in solidarity for arrested Oakland protesters
- Dec 23:
- City offers some arrested Occupy L.A. protesters classes in free speech
- Dec 22:
- Man charged with arson after allegedly setting structures on fire at Occupy Denver site
- Dec 21:
- Occupy Denver protesters disrupt vigil held to honor homeless who died in past year
- Dec 20:
- Occupy Denver disrupts vigil to honor homeless who have died, refuse to allow mayor to speak
NEW YORK — Fed up with petty crime, the all-night racket of beating drums, the smell of human waste and the sight of trampled flowers and grass, police and neighbors are losing patience with some of the anti-Wall Street protests around the U.S.
• In Oakland, Calif., police in riot gear fired tear gas and bean bags before daybreak Tuesday to disperse about 170 protesters who had been camping in front of City Hall for the past two weeks, and 75 people were arrested.
• The mayor of Providence, R.I., is threatening to go to court within days to evict demonstrators from a park.
Occupy Denver
- Photos: Occupy Denver protesters go caroling Christmas Eve
- Video: Denver cops clear Occupy Denver, Monday, Dec. 19-20
- Photos: Occupy Denver removed from Civic Center, Dec. 19-20
- Photos: Police Chief Robert White meets with Occupy Denver Dec. 15
- Photos:Occupy Denver holds its 10th march despite cold and snow
- Follow: @denverpost for the latest on #occupydenver
- Photos: Occupy Movement goes Global, turns violent
- Photos: Images from the Friday morning showdown
• And businesses and residents near New York's Zuccotti Park, the unofficial headquarters of the movement that began in mid-September, are demanding that something be done to discourage the hundreds of protesters from urinating in the street and making noise at all hours.
"A lot of tourists coming down from hotels are so disgusted and disappointed when they see this," said Stacey Tzortzatos, manager of a sandwich shop near Zuccotti Park. "I hope for the sake of the city the mayor does close this down."
She complained that the protesters who come in by the dozens to use her bathroom dislodged a sink and caused a flood, and that police barricades are preventing her normal lunch crowd from stopping by.
Stephen Campbell, a protester in Boston, said the troublemakers are in the minority.
"We have a policy here: no drugs, no alcohol," he said. "Us occupiers really try to stick true to that."
Oakland officials had initially been supportive of the protesters, with Mayor Jean Quan saying that sometimes "democracy is messy." But tensions reached a boiling point after a sexual assault, a severe beating and a fire were reported and paramedics were denied access to the camp. City officials also cited complaints about threatening behavior and concerns about rats, fire hazards and public urination.
When police moved in, they were pelted with rocks, bottles and utensils from people in the camp's kitchen area, but no injuries were reported. Protesters were taken away in plastic handcuffs, most of them arrested on suspicion of illegal lodging.
Protesters disputed the city's claims about conditions at the camp. Lauren Richardson, a college student from Oakland, said volunteers collected garbage and recycling every six hours, that water was boiled before being used to wash dishes, and that rats had infested the park long before the camp went up.
"It was very neat. It was very organized," Richardson said.