text:
This agreement outlines the terms of the different types of deposit accounts indicated below. We have described each account by comparing and contrasting it with the others. As you read down the list, you will notice changes in interest routines and in the terms of withdrawing funds on deposit. Since not all sections of this agreement apply to all types of accounts, we have noted any exceptions.
Checking Account. A checking account is a non-interest bearing account from which available funds on deposit can be withdrawn on demand by presenting a properly drawn check.
Savings Account. A savings account is a market rate, interest-bearing account from which available funds on deposit can be withdrawn by presenting a properly completed withdrawal request form to one of our tellers. Savings Accounts are subject to the transfer limitations disclosed below.
Transfer Limitations (Fees may apply) Unlimited if:
• Done in person, by messenger, by mail or at an ATM
• Between accounts of the same depositor at the same Bank, if done in person, by messenger, by mail, or at an ATM
• To pay loans at the same Bank
Up to (6) transfers a month permitted to another account of the depositor at the same Bank or to a third party if by preauthorized, automatic or telephone agreement.
Note: If transfer limitations are exceeded we may close your account. There may be transaction fee charges associated with the account. Refer to Bank's "Banking Services and Fee Schedule".
NOW Account. A NOW account is a market rate, interest-bearing account from which available funds on deposit can be withdrawn by presenting a properly drawn negotiable instrument called a "negotiable order of withdrawal" (abbreviated NOW). It is the negotiable order of withdrawal which gives this account its name. Eligibility for NOW accounts is limited to individuals, sole proprietorships and not-for-profit organizations.
Money Market Account. A money market account is a market rate, interest-bearing account with limited draft writing privileges. Current federal regulations limit the number of drafts/transfers written on this account to a total of six per month including transactions by check, debit card, or similar order payable to third parties. If you exceed the monthly limit of six third party drafts/transfers, we may close your money market account, return your drafts unpaid, and/or charge you a special item fee.
Note: For the sake of convenience, we will also call a negotiable order of withdrawal drawn on your NOW Account, or a draft drawn on your money market account a "check" in this agreement.
Time Deposits. Time deposits, whether evidenced by certificate or statement, are subject to the same terms as savings accounts, with the following exceptions:
1. Time deposits withdrawn prior to their maturity date are subject to penalty as set by the Bank.
2. The Bank reserves the right to review each time deposit on or before maturity and determine whether or not the deposit will be renewed at the same or at a changed interest rate or paid back to the customer as a matured deposit. Any changes must be with prior notification to you.
These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
Individual Account. This type of account is owned by one person.
Joint Account - With Survivorship (And Not As Tenants In Common). This type of account is owned by two or more persons. Each of you intends that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivors. If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship (As Tenants In Common). This type of account is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.
Revocable Trust or Pay-On-Death Account. Payable-On-Death accounts may be created if the account is owned by one or more persons. Revocable Trust accounts may be created by accounts with one or more owners. If two or more of you create a Revocable Trust account, you own the account jointly with survivorship. Beneficiaries of either of these account types acquire the right to withdraw only if: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of the owner(s) of the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either a Pay-On-Death or Revocable Trust account reserve the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the deposit at any time.
Corporate, Partnership, LLC, and other Organizational Accounts. We will require a separate authorization form designating the person(s) permitted and condition(s) required for withdrawal from any account in the name of a legal entity such as a corporation, partnership, LLC, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization.
Liability. You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. We will be responsible and liable only for our own lack of good faith and our failure to exercise ordinary care in handling items for collection, deposit, or withdrawal in accordance with applicable laws. We shall not be liable for clerical error or oversight or an honest mistake of judgment.
Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. You will also be liable for our costs to collect the deficit as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection of in any other dispute involving your account including, but not limited to, disputes between you and another joint owner; you and an authorized signer; or a third party claiming an interest in your account.
Waiver. We may waive any of these provisions, but the waiver will only apply on that occasion.
Deposits. You can make your deposits in person, by mail, by outside depository, through an ATM or by direct deposit. We are not responsible for transactions by mail or outside depository until we actually record them. We ask you to use the personalized, preprinted deposit slips when depositing in person, by outside depository, or by mail. We may establish minimum amounts for deposit to any accounts.
If you deposit a check, draft, bond, coupon or other non-cash item, we have the right to receive payment for it and credit it to your account before we make the money available to you. This kind of deposit is cleared when we present it to the bank it's drawn on and they pay us its value. If there are special fees for collecting your deposit, you promise to pay them.
We specifically reserve the right to refuse, limit or return your deposit.
Direct Deposit. If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.
Withdrawals. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to endorse any item payable to you or your order for deposit to this account or any other transaction with us. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. If the Bank is presented with an item drawn against your account that would be a "substitute check" as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. If the check, draft, or instrument contains contradictory terms, the words prevail over numbers.
Required Notice. Federal regulations provide that we must retain the right to require at least 7 days notice prior to any withdrawal from a savings account, money market account or NOW account. If we tell you that we require 7 days notice, we will not pay your funds until expiration of that notice period. Although we usually pay withdrawals or checks without notice, our doing so does not mean that we give up this right.
Note: Check writing privileges are not available with savings accounts or time deposits.
Postdated Checks. We may pay any checks or other items presented against your account without regard to the date of the item. No special instructions or conditional terms placed on any item drawn against an account shall be binding upon us unless specifically agreed to by us in writing. Unless we have specifically agreed otherwise in writing with respect to a specific item, we are under no obligation to verify the date of the check or other item, and you authorize us to pay the check or other item and debit your account for the amount, even if the check or item is presented for payment prior to the date written on the check or item. In the alternative, we may, in our sole discretion, return the post-dated check or item. We will not be liable to you or any payee if we return a post-dated check or other item, or if we pay the check or item, unless we have specifically agreed in writing otherwise.
Stale-Dated Checks. We are not obligated to, but may at our option, pay a check (other than a certified check) presented for payment more than 6 months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on the check.
Interest. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). The circumstances in which interest will not be paid, the frequency of interest posting, and any applicable early withdrawal penalty are set forth in our Banking Services and Fee Schedule. The Bank may increase or decrease the interest rate and annual percentage yield (APY) on all open-ended deposit accounts. All adjustments of interest rate and APY will be at the Bank's discretion and will not necessarily be predicated on the change in any published rate or index. Notification of interest rate and APY adjustments will be made by posting in common areas of each Bank facility or location.
This rule replaces or supersedes all previously published or disclosed rules relating to interest rates on open-ended deposit accounts. Open- ended deposit accounts mean a deposit other than a time certificate of deposit. We may elect to pay higher rates of interest for higher balance levels and different rates for deposits into different accounts.
Daily Balance Computation Method. We use the daily ledger balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Credit Investigation/Reporting. The Bank uses a credit reporting agency to verify previous banking relationships. If the information received results in the Bank's refusal to open an account, you will receive the name and address of the reporting agency. The Bank will report closed accounts it reasonably believes to have been mishandled by the customer.
Service and Fee Charges. You agree to pay the service and fee charges that may be imposed under this agreement and to pay any additional charge we may impose for services requested which are not contemplated by this agreement whether caused by you or another authorized to use the account. The current Banking Services and Fee Schedule which applies to your account is available upon request. These service and fee charges are subject to change at any time in accordance with the Amendment section of this agreement. We may deduct any service and fee charges from your account.
Statements. We'll send you a statement of your account and your imaged checks (if applicable). If you have an account where checks are truncated (Bank safe keeps checks) you will not receive your imaged checks. Except where the Bank fails to use ordinary care in paying checks or drafts with forged signatures, the depositor shall hold the Bank harmless for forgeries that cannot be detected by the Bank through normal banking procedures, including but not limited to facsimile signatures, desktop publishing or other computer generated or aided signatures, positive pay arrangements where presentment is made through computer modem, checks and drafts truncated at another collecting institution, and situations where the Bank, consistent with the practice of other banks in the industry, does not scrutinize depositor's signatures.
You must notify us of an unauthorized signature or alteration within a reasonable time (not to exceed 30 days) after we send or make available to you your statement and checks. If you do not notify us (1) you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure and, (2) you cannot assert any unauthorized signatures or alterations by the same wrongdoer on checks paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying a check with an unauthorized signature or alteration, unless you do not notify us of the problem within 60 days of when we send or make available to you the statements and checks. You agree to examine your statement with reasonable promptness for any other error (e.g., erroneous statement entry, missing signature, unauthorized endorsement, encoding error, etc.) within 60 days of when we first send or make the statement available. Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such error on items identified in that statement and, as between you and us, the loss will be entirely yours. You must also report any other account problem (e.g., erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within this 60-day period or lose your right to assert the problem against us.
We'll resolve the problem by reviewing all related documents and the official Bank records on your account.
If your statements are returned because of an incorrect address, we'll suspend further mailing until we receive a correct address. We reserve the right not to send statements on accounts we consider inactive.
Truncation, substitute checks, and other check images. If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute checks. You agree to retain the original check in conformance with our internal policy for retaining original checks. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act.
Unless specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check.
Stopping a Check. If you don't want us to pay a check you've written, you can request us to stop payment. You can notify us by mail or phone. Your stop payment order takes effect when our bookkeeper records it on your account and after sufficient time has elapsed to notify all of our bank teller areas. When this happens, we'll send you a confirmation. You agree that acceptance of a stop payment order by the Bank does not mean that the check has not already been paid or that we have sufficient time to act on the stop payment order. Our stop-payment cutoff time is one hour after the opening of the next business day after the business day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., the Bank paid the item in cash or the Bank certified the item.) Your written stop payment order will be effective for 6 months. If your stop payment order is by phone, you must confirm it in writing on a form provided by us. If you don't we'll remove it after 14 days. Your stop payment order must include your account number, the number of your check and the exact amount. We cannot be responsible for stop payment orders with incorrect information. In the event you wish to release a stop payment order, we need written authorization from the person who initiated the stop payment. We will charge your account for a stop payment order.
If this is a joint account, we'll accept a stop payment order from any owner regardless of who signed the check. A stop payment order will not be effective on a cashier's check or check previously certified or paid by us or on any check for which a cashier's check was issued.
Holds. The Bank may place a "HOLD" for Uncollected Funds when you make a deposit that includes checks and/or drafts. This may happen if the check being deposited (1) is for a sizable amount or an amount larger than the balance in your account; (2) is drawn on another bank, branch, or financial institution; (3) is issued by a person or organization not known to the Bank. If a hold is placed on a check you have deposited, the deposit will be immediately credited to your account; however, the funds will not be available for your use until either the check has had time to reach the bank on which it is drawn, and if necessary, be returned to your banking office, or, as state law requires us to credit your account. After the hold is released, the Bank may charge your account for returned checks, even if you have already used the funds. Checks drawn on foreign banks received in a deposit may be handled, at the Bank's option, as if submitted by you for collection, and your account will be credited only when final payment is received.
Overdrafts. If you write a check, complete an in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, for more money than you have in your account, you will be overdrawn and we may assess a service charge for each overdraft whether returned or paid.
The Bank may elect to pay a check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, in an amount which exceeds the funds you have in your account, but the Bank is under no obligation to do so, except for ATM and/or Debit card transactions. If the Bank elects to pay the check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, each account holder agrees to reimburse the Bank immediately for the amount of the overdraft plus any service charge whether caused by you or another authorized to use the account. You agree we may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
Check Cashing. If you don't have enough money available in your account to cover a check you ask us to cash, we have the right not to cash it. We may also require reasonable identification to cash such a check, draft, or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary. If the check, draft, or instrument contains contradictory terms, the words prevail over numbers.
Check Processing. We may process items mechanically by relying on the information encoded along the bottom of the items. This means that we may not individually examine all of your items to determine if the item is properly completed, signed and endorsed. You agree that we have not failed to exercise ordinary care solely because we use an automated system to process items and do not inspect all items processed in such manner.
Chargebacks. If we cash a check for you or accept it for deposit to your account and it is returned to us unpaid, we will charge your account for the unpaid check. The unpaid check may be mailed to you at the address shown on our records, and a service charge may be applied.
Taxpayer Identification Number. You each promise to give us the proper taxpayer identification number (social security number for individual or joint accounts) for each person listed on the account title. If you refuse to provide your taxpayer identification number, we may suspend your account privileges.
Our Right to Setoff. We may charge your account any debt you owe us, now or in the future, without going through any legal process or Court proceeding. If this is a joint account, we may charge the debts owed to us by any or all of you against the deposits of any of you. This right applies even if one or more of you are not obligated to us on the debt. This right applies to any debt we now own or hereafter acquire, and however it arises.
Legal Proceedings. If your account becomes involved in legal proceedings, your use of it may be restricted.
Attorney Fees and Expenses. You agree to pay all expenses including court costs and attorneys' fees incurred by us on account of any summons, subpoena, garnishment, citation, attachment, levy or any other proceeding or dispute affecting or relating to your account. We may deduct any such expenses from your account.
Joint Accounts. Any or all of the joint owners can make deposits, withdrawals, pledge the account funds as collateral for any obligation whether that of an account holder or of a third party and engage in all other transactions in connection with this account whether the other joint owners be living or not unless otherwise designated on the signature card. You agree to release the Bank from liability and to indemnity the Bank from any loss, cost and damage in all respects in connection with any of the foregoing acts by one or more joint owners. All joint account holders agree to the Bank's right of payment for any service charges or expenses due it under this agreement.
We have the right to endorse any checks, drafts, or other orders for the payment of money made out to any of the joint owners. Once endorsed we can deposit these items into the joint account. You can endorse items for deposit by using a stamp to show a general endorsement for the account.
Note: Once a joint account is opened, the owner cannot remove another from the title of the account.
Closing the Account. You can close your account at any time for any reason subject to all balances being collected and all fees and service charges having been paid. We can also close the account at any time. If we do, we'll mail you a notice and a check for the balance after deducting applicable fees and service charges to the address shown on our records. If you close your account within 6 months of the date you opened it, we may charge you a fee. If you request that your account be closed, or if you withdraw all of the funds in your account, we will close your account at the end of the statement cycle during which your account balance becomes zero. If you close your account before interest is regularly credited, accrued interest is not credited. We are not liable for any check, withdrawal, or other order after an account is closed. Checks received by the Bank after your account has been closed will be returned unpaid.
Death or Incompetence. We may prohibit or restrict withdrawal from an account upon being notified of the death or incompetence of any account holder until all the obligations according to this agreement and the law have been met.
Indemnity. If you ask us to follow instructions that we believe might expose the Bank to claims, suits, losses, expenses, liabilities or damages, we may refuse to follow your instructions or may require a bond or other protections from you.
Amendment. From time to time, we may amend this agreement. We will give you advance notice, as required by law, of any amendment affecting your account. We will give you this notice by mailing a copy of the amendment to you at your most recent address shown on our records. If you continue to use the account or keep the account opened after the notice of change, you will be deemed to have agreed to the changes.
Notice. Notice from us to the person designated for receipt of notices, or, in the absence of such designation, to any one of the holders of the account whether such notice is by mail to the address maintained with us for the account, by telephone or otherwise, shall constitute notice to all of you.
Change of Customer Instructions. The written instructions you have given us as to your account will remain in effect until we receive written notice from you to change them and have a reasonable amount of time to act upon your request.
Non-Transferability. No sale, transfer, assignment, pledge or similar disposition of the credit balance in any account or any part thereof will be recognized by the Bank until after written notice of the transaction is accepted by the Bank.
If You Don't Use Your Account. If one year goes by after the date of the last activity on your checking, NOW, or money market account, or if two years goes by after the date of the last activity on your savings account, we'll consider your account dormant. Your account is usually considered dormant if you have not performed at least one of the following activities: made a deposit or withdrawal, written to us about the account, or otherwise shown an interest in the account, such as asking us to keep the account active. Bank charges, interest payments, and automatic deposits and withdrawals are usually not considered activity. If we consider your account dormant, then we may:
If you re-establish contact with us, we do not have to reimburse the fees. If you haven't used your account for five years and we can't reach you by mail, Illinois law requires us to transfer it to the state as abandoned property.
Night Depository. All financial institutions are required to notify their depositors (pursuant to Illinois Senate Bill 137 as amended by Illinois State Bill 1526) of the adoption of a policy that the financial institution is not liable for deposits made in an outside depository until the deposit is actually recorded.
Restrictive Legends. We are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Examples of restrictive legends placed on checks are "must be presented within 90 days" or "not valid for more than $1,000.)
Facsimile Signatures. Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks, debit or transfer requests or orders. If we do agree to honor items containing facsimile signatures or a non-manual form of signature, you acknowledge that it is solely for your benefit and convenience. You accept sole responsibility for maintaining security over any device affixing the signature. Such signature will be effective as your signature regardless of whether or not the person affixing it was authorized to do so. We will not be liable for honoring any item that bears or purports to bear a facsimile signature or other non-manual form of signature. You must notify us immediately if you suspect that your facsimile or other non-manual signature is being or has been misused.
Remotely Created Checks. Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that the owner authorized the check or has the owner's name typed or printed on the signature line. For example, if a person provides an account number in response to a telephone solicitation, the telephone solicitor can use the account to issue a remotely created check to withdraw money from that account.
You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the date of authorization, and supply us the proof if we ask; and (3) if a check is returned, you owe us the amount of the check, regardless of when the check is returned. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance.
Debit Holds By Merchants. When you use your ATM or Debit Card to rent a vehicle or hotel room, or to make certain other purchases, the vehicle rental company, hotel, or other merchant (collectively, for purposes of this paragraph, the "merchant") might initiate a debit hold on your deposit account at that time. Merchants may initiate debit holds for many reasons, including (but not limited to) satisfying any "security deposit" requirement agreed to by you with the merchant or ensuring that you have available funds in your account when you return the rented vehicle, check out of the hotel, or otherwise complete your purchase. Funds in your account that are subject to a debit hold will not be available to pay checks or other items, or for other withdrawals or transfer requests. If you provide your account number, ATM card or Debit Card to a person to complete a transaction, you authorize us to honor any debit hold or withdrawal requests from such person. We have no control over when a merchant "releases" any debit hold that you previously authorized. When a merchant does send us a request to release a debit hold, the released funds will not be available to you for withdrawal until we have had a reasonable opportunity to process the merchant's instructions.
ACH and Wire Transfers. This agreement is subject to Article 4A of the Uniform Commercial Code-Funds Transfers as adopted in the state in which you have your account with us, or as adopted in New York if that state has not adopted UCC 4A. If you originate a fund transfer for which FedWire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
The Bank has an obligation to ensure that all aspects of inbound, cross- border transactions are in compliance with the Office of Foreign Assets Control (OFAC) regulations and to take appropriate steps to investigate, suspend, reject, block and report on transactions as necessary. From time to time, the Bank may need to temporarily suspend processing of a transaction for greater scrutiny or verification to the OFAC Specially Designated Nationals List. This action may affect settlement and/or availability.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or identifying documents.
Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
If you notice suspicious or fraudulent activity on your account, contact our Customer Service Department at 847-622-8800 to advise us of the nature of the transactions. If necessary, we can restrict access to your account, change your account password, issue new ATM and/or Debit Cards, or close your account if there is evidence that your account has been the target of criminal activity. Below are some other steps you should take to protect your accounts:
- Top -
Home - Privacy Statement
- Terms of Use - Locations
and Hours - About Us
Access Online
Banking - Online Bill Payment - Current
Banking Services - Other
Services - Online Applications
- Disclosures
Community Center - News
- Weather - Sports
- Stocks
Investor Relations
by ProfitStars.


text:
The Style Gallery is a great new way for you to view, love, and share outfit photos. It's meant to showcase
all the expressive, creative, and inspirational personalities of our community!
Love you too!
Your email has been sent!
Attend tonight's fancy benefit fundraiser while fabulously dressed in this black, formal evening dress! This fully lined piece boasts divine prints of golden flowers and swirling branches, along with a bateau neckline and stretch fabric waistband. A pleated, sleeveless bodice and an accordion-pleated skirt add dimension to the glorious golden designs, while your long black gloves and back keyhole closure add flair to your ensemble. Chandelier earrings and black velvet pumps complete your glamorous look at this dazzling dinner-for-a-cause!
Final Sale: This item cannot be returned or exchanged.
All measurements in inches.
Sorry this item isn't available anymore

subset: commoncrawl


text:
Armen names James Sperrazza EVP sales, marketing
February 27, 2014-- Furniture Today,
Los Angeles - James Sperrazza has been named executive vice president of sales and marketing for Armen Living, an importer and manufacturer of contemporary furniture.
Sperrazza, who has more than 40 years of leadership experience in the industry, will be in charge of sales management and product development.
"I'm very happy that Jim has joined us," said Kevin Kevonian, president of Armen Living. "In the 15 years that I've known him he has always impressed me as a person of high caliber, and I have no doubt that his skills and expertise will accelerate our growth plans."
Sperrazza worked at Houston-based retailer Finger Furniture as executive vice president of merchandising and marketing for 15 years. After that he moved to China to work for Markor Home Furnishings as vice president of merchandising and marketing, helping the manufacturer open furniture stores in China under several different concepts.
At Armen, Sperrazza is filling a position that has been vacant for a year. He reports to Kevonian.
Most Viewed Articles
Related Content By Author
Sponsored Content
Sponsored Links
Top 100 City Furniture marks 20th year at Leadership Conference


text:
Primary tabs
Wed Oct 30
10:30 am to 1:30 pmCommons
UW-River Falls transfer coordinator Anthhony Kelm will be in the Commons to answer your transfer questions.
12:30 pm to 1:20 pmRH 205
Campus Crusade for Christ meets Wednesdays throughout the semester.
12:30 pm to 1:20 pmRH 234 Blue Hills Lecture Hall
A continuation of the discussion about the trip to Ishinomaki, Japan to build a playground in the tsunami zone (and earn 3 credits).


text:
These days, when I'm bored, I make conversions. I decided to turn Nualia into an Antipaladin for the heck of it. (Yes, a somewhat questionable decision by the RAW, since Nualia, being formerly dedicated to Desna, could not have been a Paladin before her fall. But I figured Lamashtu would be just as happy to turn Cleric of Desna levels into Antipaladin levels, given their rivalry.) I'm pretty proud of the result. Is it maybe too good?
CE Female Aasimar Antipaladin 6 [Medium Outsider (Native)]
Initiative -1 Senses: Darkvision 60 ft., Perception +5
Auras: Cowardice (All enemies within 10 ft take a -4 to saves vs. fear, or lose fear immunity)
AC 15 (+6 Armor, -1 Dex), Touch 9, Flat-footed 15
When smiting, gains a +4 deflection bonus
HP 53 (6d10+18)
Fort +11 Ref +5 Will +12
Defensive Abilities Unholy Resilience, Plague Bringer (Immune to the negative effects of diseases)
Resist Acid 5, Cold 5, Electricity 5
Spd. 20 ft. (Reduced from 30 ft. base speed by armor)
Melee +1 [Keen] Bastard Sword +9(1d10+8/17-20) and
Claw +2 (1d6+5)
Ranged Composite longbow +5 (1d8+3/x3)
Special Attacks: Smite Good (1/day, gain a +4 to AC and attack rolls, and +6 against a single Good target for the duration of the encounter), Channel Negative Energy (3d6 in a 30 ft. burst; Will save DC 17 for half; consumes 2 uses of Touch of Corruption), Touch of Corruption (7/day touch attack for 3d6 damage. DC 17 Fort save, or be Shaken or Staggered at Nualia's option)
Special Abilities: Aura of Evil, Detect Good, Fiendish Boon (As a standard action, Nualia may add Flaming, Keen, or Vicious to a weapon she wields for 1 minute.)
Spell Like Abilities: Daylight 1/day
1st—Cause Fear (DC 15), Murderous Command (DC 15)
Before Combat: When Nualia knows combat is imminent, she employs Fiendish Boon to make her Bastard Sword Keen, the better to rip her foes asunder for the glory of her Mother.
During Combat: Nualia activates her Sihedron Medallion as a free action to gain the benefits of a False Life spell on the first round of combat. She tag-teams with her Yeth Hound with ruthless efficiency; she particularly enjoys using her Touch of Corruption to leave foes Shaken, so that the hound's Sinister Bite can leave them cowering. Nualia prefers to use her Smite against clerics or paladins, against whom she doubles her smite damage on the Bastard Sword blow. If the party contains an Aasimar or a cleric of Desna, this reminder of her past drives Nualia into a rage; she will attack such a party member to the exclusion of all other targets. She employs Power Attack on every blow unless hitting proves routinely difficult; this preference is reflected in her stat block.
Morale: Nualia fights to the death.
Str 16 Dex 8 Con 14 Int 10 Wis 16 Cha 18
Feats Exotic Weapon Proficiency (Bastard Sword),Lamashtu's Mark, Power Attack, Weapon Focus (Bastard Sword)
Skills Diplomacy +4, Intimidate +13, Knowledge (Religion) +9, Perception +5
Languages Abyssal, Common, Celestial, Goblin
Gear +1 Breastplate, +1 Bastard Sword, Sihedron Medallion, Mwk Composite Longbow with 20 arrows, Holy Symbol of Lamashtu (valued at 100 gp for its materials), 7 pp, 5 gp
|DM Wellard
Come and share it in this thread!
As for the build itself, she's very scary. I like it, but I'd consider sweeping her aura of cowardice under the map if the party is already heavily wounded and low on resources. Bay lasts a long time, and DC 16 (with her aura factored in) is fairly high. Still, if you have a party paladin (or a bard with remove fear and inspire courage maybe) it's time for those PCs to shine.
As an aside, I'm loving the spell selection. I'd never noticed Murderous Command until now.
You realise that as off Inner Sea Magic Nualia is the Iconic Divine Scion don't you?
I've finally got my hands on a copy. I'll be advancing her as one of these. Weapon Specialisation and +4 on combat manuevers with the advanced strength domain? Sounds bloody incredible.
I'm a little wary to give her burst bonds 3/day, however. My PC is set on capturing and redeeming her and I dont want to ruin his fun.
|DM Wellard
Well depending on what level you want her to be she's going to have to be 6th level at least to even get one level of Divine Scion..off course if she lives..or Lamashtu brings her back.??!!!
Nualia's lived in my game. I had her escape capture in the night, but was trapped and cornered in a storm by a single PC... and my PC, set on redeeming her, was brutally stabbed to near death.
It was a fantastic moment, and entirely his idea, too. I love it when my players shape the narriative.
I'll have her coming back as a divine scion, trying to draw on the work on these forums to tie her into somewhere around HMM or FotSG, possibly with a trip to Kaer Maga in the picture.
|Ross Byers RPG Superstar 2008 Top 32
I went with antipaladin, too. No one died, but it was a good fight. I had a party fo 6 at the time, and three PCs failed the bay save.
They had a tough fight of it, but still won in the end. I dare say mine might have been a little tougher than yours as well. I think I bumped her Str a bit more, and I switched from a bastard sword, I think, so I didnt have to waste a feat on Exotic Weapon Prof.
I just bought Inner Sea Magic as well. If I ever run this again, I'll have to consider going with Scion instead.
|James Jacobs Creative Director
You realise that as off Inner Sea Magic Nualia is the Iconic Divine Scion don't you?
Just because we used the opportunity to illustrate that class with a picture of Nualia doesn't mean that's her class.
All it means is that if your PCs don't stop her... that's probably the next level she'll take! :-)
its recommended that if she gets away, she might take levels in divine scion....
an addition i found confusing, since divine scion requires weapon focus in the deity's favored weapon... the scenario went to pains taking fighter levels to give her exotic weapon proficiency and weapon focus in the bastard sword instead. =/
she escaped in the game of Runelords I'm running, so I'm looking into how I wanna level her up now. Retraining her to strip her of the fighter feats /levels has crossed my mind so I can add divine scion instead. =P
|the David
|Dragonchess Player
its recommended that if she gets away, she might take levels in divine scion....
an addition i found confusing, since divine scion requires weapon focus in the deity's favored weapon... the scenario went to pains taking fighter levels to give her exotic weapon proficiency and weapon focus in the bastard sword instead. =/
she escaped in the game of Runelords I'm running, so I'm looking into how I wanna level her up now. Retraining her to strip her of the fighter feats /levels has crossed my mind so I can add divine scion instead. =P
Well, you could give her Exotic Proficiency and Weapon Focus with falcata instead of bastard sword, since a falcata is "much like a larger version of a kukri."


text:
CPU, RAM and storage bundled into one simple price. No minimum term.
Hi! 7,50 euro discount? Use promotion code QRP10031
We created the fastest and most convenient cloud.
Intel Hex Core processors, ECC RAM and SSD RAID-10 storage
SSD hard drives will improve performance of your site dramatically
All of our cloud servers are provisioned in as little as 55 seconds
Free usage of our redundant nameservers.
Easy to use controlpanel to manage your cloud servers
Your virtual server is connected to our 10Gbit premium network
Your cloud server is hosted in our Amsterdam (the Netherlands) datacenter, which has great connections to each country in the world. 99,9% availability. Guaranteed.
Sign up today, and experience our lighting fast cloud servers.


text:
Jesus and history, the believer and the historian
The Elusive Messiah: A Philosophical Overview of the Quest for the Historical Jesus, by Raymond Martin
Elusive Messiah indeed! At the end of the 19th century Jesus was Adolph von Harnack's teacher of "the fatherhood of God and the brotherhood of mankind"; in the early years of the 20th century, Albert Schweitzer's despairing Messiah; in the '30s, Rudolf Bultmann's preacher of obedience. Now, after another generation of New Testament scholars has produced its portraits, Jesus has become many things—eschatological prophet, "marginal Jew," magician, secular sage.
This article is available to subscribers only. Please subscribe for full access—subscriptions begin at $2.95. Already have an online account? Log in now. Already a print subscriber? Create an online account for no additional cost.


text:
A northern Idaho man facing two counts of first-degree murder following the stabbing death of his pregnant wife has waived his right to a preliminary hearing.
The Bonner County Daily Bee reports that Jeremy Keith Swanson, 27, waived the right in court on Wednesday.
The decision means prosecutors won't have to persuade a judge there is enough evidence to justify moving ahead toward a possible trial.
Court records say Swanson told authorities he knew Jennifer Marie Bosch-Swanson, 27, was 15 weeks pregnant when he stabbed her to death on Dec. 18.
Police say the couple's 20-month-old daughter was also in the home at the time, but she was not harmed.


text:
Campus Safety
Welcome to the Office of Campus Safety. We are located on the second floor of the Kennedy Center. Our primary goal is to provide a safe and secure environment in a professional and courteous way to all students, faculty, staff and guests on the Hiram College campus.
Daytime services are available from 8:30 a.m. until 5 p.m. on standard business days and include, but are not limited to:
- identification cards (by appointment only)
- temporary ID cards
- parking permits
- parking citations/appeals
- participating in the Safe Space program
- coordinating the Student Property ID Program
- responding to crisis/emergency situations
Night-time services are available from 5 p.m. until 3 a.m. 365 days a year and include, but are not limited to:
- patrolling the campus
- responding to crisis/emergency situations
- securing campus facilities
- interacting with students
If you require police, fire or EMS assistance please call 911.


text:
- Sort:
- Most Popular | Most Recent
Can you see the name of the building peeking above this plate glass castle? On the left is a skating rink. More panoramas should be taken of this area. It was very cold this day, which seemed to make the digital camera stop working on some frames. This was when I was a beginner and didn't understand how to set it u...
Q&A session with Chuck D and Braddock Youth project. See www.standupnowtour.com Video link of event to come... he talked bout how 2 b a gudd person at the docc youth project
In the year 1802, two brothers named "Glassmere" (ancestors of Charles Glassmire - yours truly) came from Alsace and migrated to western Pennsylvania. They started the first glass factory in western PA that year and eventually established the town of Glassmere. It stood and grew until the 1940's and then merged with ot...
Vertical GigaPan by Derek. Computing Workshop @ LaRoche College. FInd out more about Derek: cwgigapan.wordpress.com/2008/03/22/7 / Derek and Chuck decided to do a vertical GigaPan. Are there other vertical GigaPans?
GigaPan by Mary Hart (setup assistance by Sara Masters- saram). This is a meeting of Pittsburgh's Digital Imagers group (www.digitalimagers.org - come to a meeting if you are in the Pgh area!) I think the ghost in the background is Illah Nourbakhsh, who has come to talk to us about the CREATE Lab, GigaPans, and educat...
The ceiling of a room in a "Caribbean-style bed & breakfast" in an old Victorian house. See www.theparadorinn.com / for info about the B&B. I thought the ceiling was interesting. gigapan shot by Paul Heckbert
The "Mower" Robot250 BigBot by Osman Khan. Created from 52 photos (13x4). Read more about this BigBot at: www.robot250.org/festival/bigbots/khan /


text:
Welcome to the University of Iowa Wiki service!
If you are participating in a private wiki, you may need to log in with your HawkID to view or edit pages.
For more info (list of wiki sites, favorite pages, custom RSS feeds, etc.) see the dashboard.
Need Help? Have Questions? Getting Started?
Click the 'Get Help' link in the upper right corner of any page.
Cool stuff you can do
The Examples page has lots of goodies!
(such as generate a chart and Display an RSS feed)
Wiki Resources:
- Getting Started
- Guidelines for the Wiki service at The University of Iowa
- Using Wiki In Education - Stewart Mader.pdf
- Wiki statistics
Upgrades and Feature Requests
Need to do something that the wiki doesn't (yet) support?
Sign in and leave a comment!
Wiki News:
Within the new version of the Wiki you can customize your personal profile experience. The User Profile menu provides access to a range of personal customization options. profile.PNG You can find the Profile link by clicking on the Profile icon at the top-right corner of any Wiki page and then selecting 'Profile'. From there, you can edit some of the following options: Choose Profile > Picture to upload a photo of yourself Choose Favourites to view a quick link list of saved spaces.…
We recently upgraded the Wiki to Confluence version 5.6.6. Along with the upgrade came several interface changes, but the core functionality of the Wiki remains the same. Among the more commonly used features that have since been re-positioned in Wiki's new layout are space tools and the create button: A) Space Tools (as well as space permissions, nested within Space Tools) was previously placed on the left-side menu in the default Wiki layout. In the new layout, it is still located to the left,…
The new version of the wiki brings a whole host of new features including task management, user search, improved sidebar, page watch options, and the ability for users to request access to restricted pages. We'll be expanding our help articles in the coming days and weeks to reflect the new changes, but in the meantime a walk through of the new version can be found in the Atlassian Confluence 5.6 Documentation. If you get stuck any point, click on the https://wiki.uiowa.…


text:
your bag
Your bag is empty.
Sorry, this product has sold out!
If you would like ARCHFASHION to try to and find it for you complete the form below.
The clarity top - strictly no exchange or refund on sale items by wish is sold out. We did have 6, 8, 10, 12, 14


text:
LITTLE CANADA, Minn. -- Amazing surveillance video has been released of a pickup truck crashing into a Minnesota bar on Wednesday.
Six people were hurt when the vehicle, driven by an unidentified 51-year-old woman, swerved through traffic and crashed into the establishment, pinning patrons against the bar, WCCO reports.
Authorities said medical reasons appear to have been a factor. Police said some injuries sustained in the crash were serious, but not life-threatening.
Patrick Sazenski, a bartender who was inside the bar when the car came through the wall, told WCCO, "We were sitting there and the next thing I know, I see a pole flying through the parking lot. Then I hear this bang and I look and this truck is flying through the wall."


text:
Lock in our lowest rates with up to 5% off, enjoy free Wi-Fi and earn Starpoints® on your next hotel stay at over 1,300 hotels and resorts worldwide.
Must be a SPG Member to qualify. Not a member? Join now!
Gerberstrasse 15 • Leipzig, 04105 • Germany • Map
Your hotel in Leipzig: Excitingly different, uniquely inspiring.
There are places that inspire. Places which make you feel that you have made the right decision. Such is The Westin Hotel Leipzig. Sense the special Westin atmosphere as soon as you enter the aesthetic lobby.
Expect high-class interiors, elegant furnishings and a stunning view of Leipzig from our 436 rooms and suites.
Discover the exclusive range of culinary options which leaves room for your personal wishes. The exclusive interior design at The Westin Hotel Leipzig creates a stylish ambience and the legendary Westin HeavenlyBeds® guarantee an incredibly restful sleep.
Sense pure harmony and renewal in our relaxing spa area with Leipzig´s largest hotel pool.
Lock in our lowest rates with up to 5% off, enjoy free Wi-Fi and earn Starpoints® on your next hotel stay at over 1,300 hotels and resorts worldwide.
Must be a SPG Member to qualify. Not a member? Join now!
Discover the thrilling wild side of Leipzig and spend quality family time in one of the best zoos in Germany.
Offer includes:
Special Rates per Arrangement: 249,50 EUR in a single room and 309,00 EUR in a double room
Upgrade your stay with an exclusive menu at our 2-Michelin-Star Restaurant FALCO, at the 27th Floor with a fantastic view over the city.
Package includes:
Rate 368.00 EUR Single / 535.00 EUR Double
It's time to remind your family how much fun a vacation can be. Discover our great rates and you're on your way.
It's easier to be productive after being rejuvenated. So at Westin we're making a few subtle changes to create a more relaxed atmosphere on the weekends. Enjoy late check-out and extended breakfast hours so you feel energized for the week ahead.
Offer includes:
This information enables us to identify the rooms that will best accommodate your party and to prepare for your arrival.
See room terms and details for information about rollaway and/or extra person charges.
Please note that at most Starwood hotels, guests 17 and under are considered children. All other guests are considered adults. You will be told of any hotel-specific differences in this policy on the following page.


text:
Boxing News| Updates| Events| Schedules| Results| Stats and More
Dec. 10 - Boxing Schedule
24-0, 18KOs>> Stats <<
22-0, 14KOs>> Stats <<
Lagoon Leisure Centre, Paisley, Scotland - Billy Joe Saunders (24-0, 12KOs) was very rusty and sluggish in a lackluster twelve round unanimous decision victory over Artur Akavov (16-2, 7KOs). The scores were 116-113, 116-112 and 115-113.. Full Story
Denis Lebedev-Murat Gassiev: Pre-Fight Report Card
by Cliff Rold - The Russian professional boxing market is one that is still growing, with lots of po ... Read More
Camp Less Stressful For Santa Cruz Because Dad is Beating Cancer
By Keith Idec - The start of Leo Santa Cruz's training camp for his rematch with Carl Frampton has b ... Read More
John Molina: I Have The Recipe For Disaster For Terence Crawford
By Thomas Gerbasi - John Molina Jr. promised us Armageddon in short pants when he faced Ruslan Provo ... Read More
Boxing and The Public Trust
By Cliff Rold - According to the reports originating with Yahoo's Kevin Iole and verified by others, ... Read More
Nicholas Walters' Surrender Elicits Same Old Song and Dance
By Lyle Fitzsimmons - Some things remain predictable. The sun rises in the east, it sets in the west ... Read More
Fighting Words - Fair Or Not, Walters Again Did Himself No Favors
by David P. Greisman - Nicholas Walters ran out of goodwill well before he stepped into the ring wit ... Read More
Vasyl Lomachenko Dominates, Stops Nicholas Walters in Seven
By Keith Idec - LAS VEGAS – Vasyl Lomachenko demonstrated Saturday night that the handicappers had i ... Read More
Vasyl Lomachenko-Nicholas Walters: Pre-Fight Report Card
by Cliff Rold - The timing of things can be funny. Had this fight happened even six months ago, the ... Read More
Vaughn Alexander Appreciates Second Shot, Main Events' Faith
By Keith Idec - For the first time since 2004, Vaughn Alexander was able to spend at least part of T ... Read More
Vasyl Lomachenko - The No Padding Model
By Cliff Rold - There is an audacity to the career of WBO 130 lb. titlist Vasyl Lomachenko. Two Olym ... Read More
- Tevin Farmer Thrilled With Getting Fourth Fight In 2016
- David Rodriguez Autobiography Generating Positive Press
- Camp Less Stressful For Santa Cruz Because Dad is Beating Cancer
- Atlantic City Hall of Fame To Launch Memorial Day 2017
- John Molina: I Have The Recipe For Disaster For Terence Crawford
- Boxing and The Public Trust
Breaking News
- McGregor: If Mayweather Runs, I Have Other Boxing Targets!
- Heavyweight Izuagbe Ugonoh Inks Pact With Al Haymon
- Conor McGregor Gets Approval For Boxing License In California
- Golovkin vs. Jacobs: Loeffler Updates on Negotiations, WBA Order
- Bernard Hopkins Training With John David Jackson For Final Fight
- Andre Ward-Sergey Kovalev PPV Show Barely Cracked 160K Buys
- Video: Thomas Dulorme on Sparring Mayweather, Joining TMT
- Video: Ellerbe Talks McGregor, Mayweather, Pedraza-Davis, More
- Video: Dejan Zlaticanin Vows To End Mikey Garcia's Run
- Video: Leo Santa Cruz Eager To Get Revenge on Frampton
- Video: Mikey Garcia Predicts Fireworks With Dejan Zlaticanin
- Video: Carl Frampton Very Pumped To Face Leo Santa Cruz
Press Release
- Abraham Lopez Decisions Sergio Lopez at LA Fight Club
- Ceferino Rodriguez Beats Mousaoui For EBU Belt, Malignaggi Next?
- Commey: I Clearly Won, Look at How Banged Up Shafikov Is!
- Joseph Adorno Pumped After Signing Deal With Top Rank
- Charles Conwell, 2016 United States Olympian, Turns Pro
- Deontay Wilder: Joshua vs. Molina Winner Will Eventually See Me
- Marcos Villasana Jr. Stops Jorge Luis Rodriguez In Eight Rounds, Six Straight Wins
- Johnny Navarrete Shocks Jorge Paez Jr. - Retirement Looms?
- Photos: Andy Ruiz Hits New Zealand For Joseph Parker Showdown
- Billy Joe Saunders vs. Artur Akavov - CompuBox Punch Stats
- Billy Joe Saunders Struggles in Decision Win Over Artur Akavov
- Jack Catterall Outpoints Diego Luque, Retains Fringe WBO Regional
- Murat Gassiev vs. Denis Lebedev - CompuBox Punch Stats
- Marcos Villasana Jr. Looks To Continue His Run in Acapulco
- Denis Lebedev vs. Murat Gassiev - LIVE BoxingScene Scorecard
- Denis Shafikov vs. Richard Commey - CompuBox Punch Stats
- Denis Lebedev-Murat Gassiev: Pre-Fight Report Card
- Lomachenko Takes Over Top Spot on CompuBox Plus/Minus List
- Frank Warren Gives Eubank Jr. Big Offer For Saunders Rematch
- Daily Bread Mailbag: Golovkin, Kovalev-Ward, Lomachenko, More
- Lomachenko's Chin The Only Unknown Entity in Against Walters
- Lomachenko May Answer A lot of Questions in Walters Clash
- Daily Bread Mailbag: Kovalev vs. Ward Post-Fight Mega Bag
- Sergey Kovalev-Andre Ward: Pure Offense vs. Pure Defense
World News
- McGregor: F*** Mayweather's Manager, I Hold All The Numbers!
- Ed Brown is Fighting For His Life After Being Shot in The Head
- Saunders: I Called Out GGG, Now I'm Embarrassed By Performance
- Michael Conlan: McGregor Will Carry Irish Flag at My Pro Debut
- Freddie Roach Impressed: Murat Gassiev Was a Beast in There
- Lebedev Wants a Rematch: I Thought I Won or it Was a Draw


text:
WikipediaRead full entry
Pinus koraiensis
The tree species Pinus koraiensis is commonly called Korean pine. It is native to eastern Asia: Korea, Manchuria, Mongolia, the Temperate rainforests of the Russian Far East, and central Japan. In the north of its range, it grows at moderate altitudes, typically 600 metres (2,000 ft) to 900 metres (3,000 ft), whereas further south, it is a mountain tree, growing at 2,000 metres (6,600 ft) to 2,600 metres (8,500 ft) altitude in Japan. It is a large tree, reaching a mature size of 40 metres (130 ft) to 50 metres (160 ft) height, and 1.5 metres (4.9 ft) to 2 metres (6.6 ft) trunk diameter.
It is a member of the white pine group, Pinus subgenus Strobus, and like all members of that group, the leaves ('needles') are in fascicles (bundles) of five,[citation needed] with a deciduous sheath. They are 7 centimetres (2.8 in) to 13 centimetres (5.1 in) long. Korean pine cones are 8 centimetres (3.1 in) to 17 centimetres (6.7 in) long, green or purple before maturity, ripening brown about 18 months after pollination. The 14 millimetres (0.55 in) to 18 millimetres (0.71 in) long seeds have only a vestigial wing and are dispersed by Spotted Nutcrackers.
Korean pine differs from the closely related Siberian pine in having larger cones with reflexed scale tips, and longer needles.
The seeds are extensively harvested and sold as pine nuts, particularly in northeastern China; it is the most widely traded pine nut in international commerce. The nut oil contains 11.5% of the unusual fatty acid pinolenic acid (cis–5–cis–9–cis–12 octadecatrienoic acid).[1]
Korean pine is a popular ornamental tree in parks and large gardens where the climate is cold, such as eastern Canada and the northeastern states of the USA, giving steady though not fast growth on a wide range of sites. It is tolerant of severe winter cold, hardy down to at about −50 °C (−58 °F).
See also[edit]
- Boreal forest
- Jatjuk, Korean pine nut porridge
- ^ Imbs, Nevshupova, and Pham: "Triacylglycerol Composition of Pinus koraiensis Seed Oil" JAOCS 75(7)865—870. 1998, AOCS Press.
Further reading[edit]
- Conifer Specialist Group (1998). Pinus koraiensis. 2006. IUCN Red List of Threatened Species. IUCN 2006. www.iucnredlist.org. Retrieved on 5 May 2006.
- Das, A. K. Studies on the growth pattern, primary productivity and nutrient dynamics of Khasi pine (Pinus kesiya Royal ex Gordan). Diss. Ph. D. thesis, North Eastern Hill University, Shillong, India, 1980.


text:
This pillow's built-in speaker allows you to listen to music in bed without disturbing your partner. An embedded speaker produces crisp, clear sound that's only audible to the person lying on the pillow. The speaker is virtually undetectable inside of the pillow to ensure a comfortable sleeping surface. The pillow's 46"-long stereo cord connects to an iPod, Smart Phone, or any device with a 3.5 mm audio port. The pillow has a smooth 180 thread-count 100% cotton cover and soft hypoallergenic polyester fill. Spot clean. 26" L x 20" W x 4" D. (1 1/2 lbs.)
Lifetime Guarantee
The Personal Speaker Pillow comes with The Hammacher Schlemmer Lifetime Guarantee at no additional charge. If this product ever disappoints you, for any reason, you may return your Hammacher Schlemmer purchase for exchange, credit, or refund.Should you have any questions, we are available 24 hours a day, seven days a week. Please call 1-800-321-1484 to speak with a product specialist or email us at firstname.lastname@example.com to receive a response within one hour.
May we recommend:
COPYRIGHT © 2016 HAMMACHER SCHLEMMER & COMPANY, INC. ALL RIGHTS RESERVED. W108147 E. 57th ST • NEW YORK, NY • 10022 • 1-800-_321-1484


text:
November 19, 2010
MSNBC suspends Joe Scarborough for political donations
I called for Keith Olbermann to be fired and think Joe Scarborough should be too. On one hand, what Scarborough did was even worse since he didn't come out with the donations after the Olbermann firestorm. But on the other hand, Scarborough is just much less of a douchebag than Olbermann so he should probably stay just for that.


text:
A promotional chocolate cigar is a sweet way to celebrate any occasion or promotion.
This promotional snowman shaped custom gift baskets tower will be a sure show stopper this holiday season.
Fantastic for both the home and office, this aromatherapy promotional wax candle will be sure to bring a relaxing calm to your clients.
ePromos has many promotional products created by companies in the USA. These product can be customized for your business and are made here in the USA


text:
- Parent Category: News
EIU student dead, another injured in weekend crash
Authorities in the journalism department at Eastern Illinois University confirm a student is dead and another is injured after a pickup truck crash this past weekend.
The students worked for the EIU campus newspaper. Both had gone to dinner that evening, according to Sally Renaud, interim chairwoman of EIU's journalism department.
Illinois State Police said the accident occurred Saturday evening near the U.S. Route 45 interchange of Interstate 57 south of Mattoon. The pickup truck was heading northbound when it went off the road and overturned.
The driver was ejected from the truck and hospitalized for injuries in Urbana. The passenger was partially ejected and later died from injuries.
Authorities say neither was wearing a seatbelt.


text:
Jack Pallon Dial, 93, of Amarillo died Thursday, Feb. 16, 2012.
Services will be at 10 a.m. Monday in First Baptist Church with Dr. Howard Batson officiating. Arrangements are by Schooler Funeral Home, 4100 S. Georgia St.
Mr. Dial was born in 1919 in Jacksonville and graduated from Bovina High School. He served
in the Army in World War II. While stationed in Fort Worth, he
married his lifelong sweetheart, Mary Grace Smith.
Mr. Dial earned a bachelor's degree in industrial arts from North Texas State College in Denton. After moving to Amarillo in 1948, he worked with Walter Wirtz and his brother-in-law, Perry Chambers, in constructing several buildings in the area, including the mausoleum in Llano Cemetery.
Mr. Dial made a major decision to change his life's work to become an educator. He earned a master's degree in education from North Texas State College and his administrative certification. In 1951, he was hired as a shop teacher at Sam Houston Junior High School. He became assistant principal there in 1958 and then finished his career as principal of Sam Houston, retiring after 32 years at the same school. He was a Sam Houston Ranger at heart.
Mr. Dial was actively involved in the San Jacinto Lions Club of Amarillo. He and his wife, Grace, faithfully served at First Baptist Church. He has been a member for 64 years. In his retirement years, he was well-known for his long walks and his bus rides from downtown out to Baptist St. Anthony's, the VA, and nursing homes to visit First Baptist Church members who were ill and to visit his many friends who had served as principals at the other junior high schools.
Mr. Dial has left a legacy that men everywhere could emulate. He copied the entire Bible in his own handwriting, using 17 composition books, to leave for his daughters.
He was preceded in death by his beloved wife, Grace, and eight brothers and sisters.
Survivors include two daughters, Pam Taylor and husband
Tom of Belton and Penny Gardner and husband Dale of Amarillo;
five grandchildren, Holly Mayes
of Belton, Allison Ridgway of
Lubbock, Amy Harrison of
Lubbock, Bryan Jack Thomas Taylor of New York City and Landon Gum of Norman; and eight great-grandchildren, Sawyer, Taylor, Hayden, Swade, Payton, Gracie, Grayson and Ella.
The family suggests memorials be to First Baptist Church, 1208 S. Tyler St., Amarillo, TX 79101.
Pallbearers will be Dale
Gardner, Tom Taylor, Bryan Jack Thomas Taylor, Landon Gum, Scott Harrison and Michael Mayes.
The family will receive guests from 4 to 5 p.m. today at the funeral home.
Sign the online guest book at www.schoolerfuneralhome.com.
Amarillo Globe-News, Feb. 19, 2012


text:
View Cart
(Your shopping cart is empty)
My Account
Meet Dr. Stay
15% Off Your Entire Order with No Minimums; Free Shipping with $99 or more (USA)....(Details)
Shop By Category
Sensitive Skin Cosmetics
Sensitive Skin Exfoliants & Mask
Sensitive Skin Hair Care
Sensitive Skin Moisturizers
Sensitive Teeth Toothpaste
Shop All Skincare for Sensitive Skin
Shop By Concern
Acne Prone Sensitive Skin
Dark Circles Under Eyes
Fine Lines & Wrinkles
Rosacea & Redness
Help - FAQs
Products, Company, Ingredients, Shopping
Products, Company, Ingredients, Shopping
Order Status
Has my order shipped?
How do I change quantities or cancel an item in my order?
How do I track my order?
My order never arrived.
An item is missing from my shipment.
My product is missing parts.
When will my backorder arrive?
My Account
How do I create an account?
How do I edit my account information?
How much is my shipping?
I forgot my password.
How do I return my product?
I received the wrong product.
What is your return policy?
When will my order ship?
International Shipping
Do you ship to my country?
What are my payment choices?
When will my order ship and what are my shipping charges?
What is the return policy?
Low Price Guarantee
Privacy Policy
Pricing and Billing
Do I have to pay sales tax?
I have a question on my charges.
I need a copy of my receipt/invoice.
When will my credit appear on my account?
When will my credit card be charged?
Buyer's Guide
How do I buy/redeem a gift certificate?
How do I find my product?
How do I navigate the site?
How do I use a coupon?
Additional Support
How do I contact you?
Get Social
About Us
Meet Dr. Stay
Cleure Commitment
Green Policy
Press Room
Giving Back
Privacy Policy
Terms & Conditions
Site Map
Customer Support
Contact Us
Money Back Guarantee
Returns & Exchanges
Shipping Information
Gift Certificates
My Rewards
Sensitive Skin Tips & Advice
Ingredient Glossary
Advise by Concern
All About Sensitive Skin
Why Salicylate Free
Gluten Free Guide
Before & After Photos
Copyright ©


text:
Slideshow: Top LED Design Center Articles—First Half 2013
You found them interesting, compelling, informative and just downright good. Here's a recap of the top 12 articles so far this year on the LED Design Center with enough info to show why they were so well read. Want to read them again, or miss them first time around? No problem. Click on the headline and voila!
1. Slideshow: Cool LED Design for Hot 2013 Cars
One of the longest design cycles on the planet involves automotive design, primarily because of retooling. Today, however, vehicles are being upgraded, differentiated, and enhanced in other ways—specifically lighting. While this has been a trend over the past couple of years, 2013 vehicles are particularly representative of some pretty cool lighting changes—pun intended.
This slideshow focuses on automotive lighting and is a combination of articles, products and news to show the challenges and solutions—with particular emphasis on very recent lighting design to hit the street. Let's start with LED headlamps.
Loading comments...
To comment please Log In
True or false: High-power LEDs don't generate IR heat in the forward direction like a filament lamp
Efficient method for interfacing TRIAC dimmers and LEDs
Power an LED driver using off-the-shelf components
LED bulbs reveal different design approaches
Create an ambient light haven with an Arduino kit and wild imagination
LED Drivers—Match architectures with applications
LED lighting teardowns: Five lighting designs that illuminate the future of lighting
An improved offline driver lights an LED string
MCUs in E-Bikes: driving lights, LED/LCD display and measurements
Currently no items


text:
Did you come here looking for book reviews? No worries, you're almost in the right place! Head over to my book blog, Ting's Mom Books, by clicking here, or by clicking the "I'm Reading" tab above.
Thursday, February 28, 2013
I Love You No Matter What
I don't know how it is with other three year old's, but with Ting it seems like we are doing a lot more "correcting" and disciplining these days that we are used too. Disciplining is definitely the hardest part of parenting, but we know that it is valuable to raising our children to be Godly adults.
Lately Ting has been breaking our hearts after we discipline her with "Do you still love me?" With that going on, my Tommy Mommy selection for the month could not have come at a better time.
I Love You No Matter What arrived in our mailbox and I was so excited to get it home and read it to Ting. I Love You No Matter What takes Jesus' parable of the prodigal son and puts it into a story that children can relate to and love.
The story is about Prince Chirpio, a little bird that wants to fly away and do things his way. At first everything is great and wonderful. He finds new friends and he thinks his life is just perfect.
As time wears on, Prince Chirpio's friends begin to leave him and he ends up all alone. He wants to go home to his dad but he is sure that his dad will no longer love him since he was mean and ran away.
Of course, we all know the story and we know that Prince Chirpio's dad, the king, welcomes him home with open arms and a full heart.
The story is perfect to highlight to children that Mommy and Daddy will always love them, no matter what they do.
I Love You No Matter What has quickly become a favorite book in our house. Ting even opens it and pretends to read it to Bug on occasion.
You can purchase I Love You No Matter What from the Thomas Nelson store, or most anywhere books are typically sold.
Disclaimer: I am a Tommy Nelson Mommy and received this complimentary book to review and to keep. I was not compensated for this post. All opinions are my own.
Karen W
Labels: book review , Tommy Mommy , Tommy Nelson Mommy


text:
Barbara Tripp Brown, 92, of Canton
Canton - Barbara Tripp Brown, 92, of Brewer Road, died Tuesday, April 16, 2013 at Canton-Potsdam Hospital.
A memorial service will be held on Saturday, May 4, 2013 at 10:00 AM at the Lawrence Funeral Home, Canton with Rev. Michael P. Catanzaro officiating. The family will receive friends on Friday from 6-8 PM at the funeral home. Interment will be in Evergreen Cemetery, Canton.
Barbara was born February 27, 1921, in Carthage, NY, she was a daughter of the late Claude and Wilma (Chaufty) Tripp. She graduated from West Carthage High School and then Canton A.T.I. with a degree in Nutrition.
On April 12, 1946, she married, the late, Clisson E. Brown, Jr. at the United Christian Church in West Carthage. Prior to marriage she worked as a telephone operator.
Barbara was a member of First Presbyterian Church of Canton where she was a member of the Post Script Club and singing in the choir. She was also a member of the Farm Bureau, the Canton Garden Club and she was active with the Canton College Alumni.
She will be remembered by her loving children, Mark & Nancy Brown, Canton, Lee & Debbie Brown of Camillus, Margery B. & Thomas James, Canton and Lisa W. & David Seeley of Hiram, ME; one sister, Mary Jane & husband Douglas Jones of Fairport, NY; two brothers-in-law, Roger Gibbs of Concord, NH and Bill Smith of Canton; sister-in-law, Mary Rexford of Canton; seven grandchildren, Mark, Brown Jr. & wife Tracy, Rob Brown, Jessica Stumper & husband Brian, Melissa Brown, Matthew Brown, Jennifer Seeley & fiance Brian Cobbett and Andrew Seeley; and great-grandchildren, Ian Brown, Benjamin Stumper and Julia Seeley.
She was predeceased by her husband Clisson (2006) and a sister, Marjorie Gibbs.
Barbara will be remembered for her beautiful flower garden, especially her roses; her travels with her husband, Clisson, to Hawaii, Europe and Alaska; her delicious apple pies; her beloved kitties and the love for her grandchildren.
Memorial contributions are suggested to First Presbyterian Church of Canton or the Potsdam Humane Society.
Condolences may be sent online by visiting www.lawrencefuneralhome.org.
Wednesday, December 7, 2016, Watertown, NY
Funeral Homes Listings
Jefferson County:
Bossuot-Lundy Funeral Home, Carthage
Calarco, D.L. Funeral Home, Watertown
Costello Funeral Service, Alexandria Bay
Cummings Funeral Service
Frederick Bros Funeral Home, Theresa
Hart & Bruce Funeral Home, Watertown
Johnson Funeral Home, Dexter
Reed & Benoit Funeral Home, Watertown
Cleveland Funeral Home, Watertown
Cleveland Funeral Home,,Cape Vincent
Becker-Cleveland Funeral Home, Chaumont
Bezanilla-McGraw Funeral Home, Carthage
Carpenter-Stoodley, Belleville
T.R. Jetty Funeral Home, Clayton
Piddock Funeral Home, Adams
Lewis County
Adirondack Funeral Home, Croghan
Iseneker Funeral Home, Lowville
Scanlon Funeral Home, Croghan
Scanlon Funeral Home, Harrisville
Sundquist Funeral Home, Lowville
St. Lawrence County
IslandView Funeral Services, Morristown
Hammill Funeral Home, Winthrop
Buck Funeral Home, Norwood
Fox-McLellan Funeral Home, Ogdensburg
French Funeral Home, Gouverneur
Green Funeral Home, Gouverneur
LaRue & Pitcher Funeral Home, Ogdensburg
Frary Funeral Home, Ogdensburg
Lawrence Funeral Home, Canton
O'Leary Funeral Home, Canton
Allen-Denesha Funeral Home, De Kalb Junction
French Funeral Home Inc., Gouverneur
French Funeral Home Inc., Edwards
French Funeral Home Inc., Star Lake


text:
The boys of winter are set to return.
The Prince Albert Raiders make their way back to the rink on Aug. 28 as they prepare for their 2012 Western Hockey League season.
The team begins with rookie registration and fitness testing on Tuesday, Aug. 28, followed by two days of on-ice sessions for the new players.
The main camp starts on Friday, Aug. 30 with returning player registration and fitness testing.
The main group takes to the ice on Aug. 31 and Sept. 1.
The annual green and gold intrasquad game will be held on Sunday Sept. 2.
On-ice sessions are free to watch, with the green and gold game tickets available at the door for $5.
More details will be released later on ice times.
The Raiders kick off their four-game pre-season by hosting the Saskatoon Blades on Sept. 7. The Blades will also be in the city for the season opener on Sept. 21.


text:
In [3], the first three columns of the two matrices are equal, right? What about the last column of the two matrices, are they somehow related?
As for [4], recall that the matrix A works as a _linear_ transformation. You want to check whether or not x=2x1-3x2 solves Ax=b, when you know that Ax1=b and Ax2=b.


text:
Economics Departments, Institutes and Research Centers in the World
Department of Economic Theory and State Administration
Faculty of Economics
Amur State UniversityLocation: Blagovetshensk, Russia
Homepage: http://www.amursu.ru/index.php?option=com_content&view=category&layout=blog&id=107&Itemid=205
This link seems to be broken. We welcome a better address.
Postal: 675027, Amur area, Blagovetshensk, Ignatievskoe av. 21
Handle: RePEc:edi:dbtauru
Areas or Functions: Economic and Game Theory
This listing is provided to you by EDIRC at the Economic Research Department, Federal Reserve Bank of St. Louis.
Please send additions and corrections to Christian Zimmermann.


text:
Published: June 28, 1987
(Page 2 of 2)
UNLIKE PARIS, WHERE a beginning designer can set up shop with little more than a song, a New York neophyte better have at least a million dollars in his back pocket from either a benevolent backer or the bank. In Manhattan, business comes first: the rent of work space, payroll, fabric costs. Lines of credit are necessary before creativity is even considered. Despite these hurdles, there are any number of interesting new names emerging. David Cameron is perhaps foremost among them. With only a slight bit of Seventh Avenue experience, but with the requisite financial backing, he opened on his own two years ago. Since then, he has had ups and downs, but the ups have been very high. The press, retailers and his peers have praised and rewarded him for his racy, modern, expensive yet very well-made fashions. Some others are Marc Jacobs, an energetic young man bent on making his name for inexpensive fashions. Isaia is already a hit with stores for his cheap and chic designs, usually made of stretch fabrics. Isabel Toledo and the team of Norbury and Osuna experiment with interesting shapes. Patricia Clyne knows well how to cut and drape a sinuous line, while Carmelo Pomodoro is emerging as a solid sure-fire sportswear stylist in the Anne Klein tradition. STEPHEN SPROUSE
NOTHING ABOUT STEPHEN Sprouse's story -or his designs, for that matter - is subdued or subtle. He rocketed onto the scene in 1983 with a small collection of chemises and separates redolent of those of the 1960's but printed or painted in graffitilike patterns or sequined and shaded in brilliant hues. The success was immediate, the acceptance overwhelming. Suddenly, he was a talent to be reckoned with. By the spring of 1986, he had folded, underfinanced and unable to cope with the business side of such a venture. Yet his influence had extended to the worldwide fashion market - especially the wild color range. Now, with new backing and, it is hoped, acquired business acumen, he is poised for a return. First will come a store in SoHo, where clothes like those sketched here will be sold. It is clear that in the interim he has lost none of his dynamic drive. THE 'JEWELERS'
NEW YORK HAS BECOME the center for a cache of designers producing original works. A particular piece can be made of materials that are precious, semiprecious or a combination. These designers are half artisan-craftsman, half creator-interpreter of chic fashion. And what they produce is right in step and style for modern women with little inclination toward conventional jewelry. Though she does very little that is new these days, Elsa Peretti, who started the trend, still makes Tiffany & Co.'s cash registers jingle with regularity. Ten years ago when he started his SoHo shop Artwear, Robert Lee Morris became the catalyst for several others, including Ted Muehling. Recently, Morris has garnered even more fame and fortune working with the dress designer Donna Karan, realizing her fashion concepts in accessory forms. Barry Kieselstein-Cord fits easily into this new mold. His belts with unusual buckles have become collectors' items. Tina Chow, wife of the restaurateur, combines semiprecious stones and filigrees of wicker to create a blend of Eastern and strictly sophisticated-city Western sensibilities.
Photos of designers and their work (Theo Westenberger/Sygma; Alexander Agor; Wilfrid Rouff; Arlene Gottfried) (pages 48-53)


text:
Victor Garber, Jane Krakowski & Josh Radnor Unite For Musical
Victor Garber, Jane Krakowski and Josh Radnor will band together to stage a musical reading of the comedy "She Loves Me."
"Alias' star Garber, "30 Rock" beauty Krakowski and "How I Met Your Mother" actor Radnor will perform the one-night-only benefit show at Roundabout's Stephen Soundheim Theatre in New York on Monday to raise money for the venue's non-profit organization.
Radnor tells Entertainment Weekly, "I worked with a vocal coach out in L.A. for a few weeks before I got to New York. My trick is the trick that everyone knows - work really hard and prepare. That way you have something to hold on to, you know, when you're at the top of the rollercoaster going down on the night you perform."
The funnyman can only hope his nerves don't get the best of him and ruin all his preparation.
He adds, "Our musical director Paul Gemignani said to me the other day that there are only about six perfect musicals and this is one of them... If you slip up once you're done for."


text:
Legendary 88HIPHOP Relaunches With King Tee & House Shoes As First Guests
One of the Internet's first Hip Hop shows, which featured guests Big L, Nas and Eminem, returns in Los Angeles this week.
After being off air for over a decade, Hip Hop web-based show 88HIPHOP is set to return online Aug. 8 from 8-9pm PST. The live-streamed show will be filmed at The Last Bookstore with three new hosts and a house deejay.
The first guests will include Detroit native producer/deejay House Shoes, who worked with the legendary J-Dilla and the Compton, California native emcee King Tee whose new music features other artists such as Xzibit, MC Eiht and Butch Cassidy.
Some of you may remember the legendary show 88HIPHOP that was originally filmed out of New York and included big name guests such as Nas, Eminem, the late Big L, Big Pun and so many others. The show was a pioneer in the Hip Hop industry as the first show with a focus strictly on Hip Hop and broadcasted via the internet during a time when this was not regularly done. The show set the precedent for other web-based broadcasts and even Hip Hop centered shows such as 106 & Park on BET.
The Last Bookstore, where the show will be hosted, has plenty of character and is in the heart of Downtown L.A. and in the middle of Downtown L.A. popular ArtWalk held once a month.
The show will be accepting and responding to live feedback via all the social media outlets.
If you want to tune in Wednesday, August 8, from 7-8pm PST, the show can be streamed here.
If you want to join in on the discussion, get a shout-out, ask questions and be heard, you can follow and mention 88HIPHOP on twitter @88HIPHOP.


text:
|Chi T'reignial
|Hiram Salatin
|DM Max
Hi Hiram! Yes I'm here, if somewhat sporadically. Been sick the past several days and still recovering. I swear, I've been sick more this winter/spring than I've been since my wife stopped teaching middle-school. Of course, it probably doesn't help that my oldest child is in first grade this year, so we're getting exposed to everything that goes through the school system again...
|Hiram Salatin
|Hiram Salatin
|Jamison Walker
|Hiram Salatin
|Euron Kelredis
|Tyr Thordinsjon
|Hiram Salatin
|Euron Kelredis
Did you know?
This Kingmaker PbP is #30 on post count of active PbPs on Paizo?
|Jamison Walker
Honestly, I have picked up so many games that if this one started really going quickly again, my head might explode. For my part, I rather enjoy the sporadic nature of this game, the pacing is fine by me.
If it did pick up, though, that'd be OK, too, humor aside.
You guys are all great to play with, some of the best on the boards.
|DM Max
Hey All! Sorry for the prolonged absence.
You've all hit the nail on the head - a combination of burn-out as Euron suggested, getting involved as a player in (probably too many!) PbPs, the fact that it's easier to make a quick post or two as a player rather than put together meaningful DM posts as Tal said, plus a crazy-busy summer in general. I'm just so thankful that you all are so patient and understanding and willing to put up with the sporadic pace of this PbP. You all really are the best players on these boards!
Now with that said, patience such as yours should be rewarded. If you don't mind I'm going to fast forward the IC thread by a day or so tomorrow to get you all back to Oleg's - get ready to level up!
Thanks again, folks!
|Hiram Salatin
Hello there,
It is with a heavy heart that I must tender my resignation from this game.
I have had a death in the family recently, and I have to take some significant time to deal with the outcome of this both emotionally, and with its impact on my life.
Thank you all for such a great game, and I wish you all a great game.
Thank you once again,
|DM Max
|Euron Kelredis
We'll definitely miss you Hiram/Berwick.. hope you return again some day.
Figured I'd start the level train chugging... changes reflected on sheet. Spell selection still TBD.
Euron Level 3
Druid 3
HP: +7 ( +5 +1 Con +1 Fav Class)
Feat: Augment Summoning
Reflex +1
Trackless Step
Spells: +1 2nd (+1 Bonus for Wisdom)
Skills: +5 (+4 +1 Human)
.. +1 Perception, +1 Survival +2 Ride +1 Handle Animal
Niko - Animal Companion 3
+2 Natural AC
+1 Str +1 Dex
+1 Bonus Trick
|Alexander Kilcoyne
|DM Max
2nd Level Rogue (It was a tough choice, but I think this will work better in the near term)
HP:1d8 + 2 ⇒ (6) + 2 = 8
+8 Skill Points (8 - 1 INT Modifier + 1 Human)
+1 Acrobatics
+1 Climb
+1 Intimidate
+1 Perception
+1 Stealth
+1 Survival
+1 Disable Device
+1 Knowledge (Local)
Gain: Evasion and Rogue Talent - Combat Trick (Cleave)
|DM Max
Hey Tal!
Sorry I haven't responded sooner. The thread didn't dot for me and I didn't see that you had posted. Weird.
As usual, you all have my sincere apologies for letting this slide yet again. October through December were absolutely crazy work-wise, as I gather they were for most of you as well. Things seem to be returning to a more managebable pace (although still busy), and I'd really like to pick this back up and at least get you all through the end of Kingmaker 1. However, I would totally understand if you all would prefer to just call it here. I'll leave it to you all, and I'll be happy with whatever you decide.
|DM Max
Howdy All!
As I stated in the PMs I sent earlier today, I'm finally in a position to revive our Kingmaker PbP (again!). I'd like to have a group of at least four together before we pick back up. So far I've received positive responses from Talomyr (Karthas), Wakedown (Euron), and Sunset (Tyr), although Sunset will be bringing in a new character as Tyr is playing in a differenct Kingmaker campaign now. Nazard (Eseldra) is bowing out due to other commitments, and I haven't heard back from Navior (Cinders) yet. Berwick (Hiram) still appears to be incommunicado from the Paizo boards, and Jeremiziah (Jamison) doesn't appear to be reachable by PM so I'm going to send him an e-mail.
So the question for Talomyr, Wakedown, and Sunset is this: If none of the others are available to return, do you all want to continue on? We'd need to recruit at least one or two more players. If you can think of anyone in particular that you would like to invite, that would be great!
Looking forward to getting our game back in gear. Best regards!
-DM Max
|Euron Kelredis
Looks like I need to put this thread back into my RSS reader!
Let's see Nazard passed and Berwick is MIA.
I'm good with giving Navior and Jeremiziah some more time to respond. I just peeked at both their aliases and they are active in other PbPs.
Five is a good sized party. Strangely balanced, too.
|DM Max
|DM Max
Just addin' the dot fer when we get the ball a rollin' agin. (^_^)
Plus, as a way of helpin' m'self at finding n'self, when it comes down to it. (^_~)
|Alexander Kilcoyne
Awe, sad to hear. My best wishes go out to both of them and to every one else who's playing. :)
|DM Max
Thanks, Alex!
Okay, I've opened up recruitment in this thread.
Sunset will be switching out Tyr for Suny, an elf barbarian/magus (titan mauler/kensai). Tal and Wakedown, since we're sort of hitting the re-set button with new folks coming in, if there's modifcations you would like to make to Karthas and Euron to take advantage of any race/class features from the APG, UM, or UC please feel free to do so now.
Also, the new incoming characters will be equipped with 3,000 gp-worth of gear. By my notes Euron currently has about 1,000 gp-worth of gear, and Karthas has about 3,400 gp-worth (including the new masterwork greatsword, although the majority of Karthas' wealth is taken up by the Boots of Elvenkind [2,500 gp purchase value]). Euron, please feel free to purchase an additional 2,000 gp-worth of gear to have the equivalent of the new characters. Karthas, if you would like to trade out the Boots of Elvenkind for something else, feel free to do so as well.
Any questions, just ask!
Okies! Got some stuff on th' page fer perusal. Still gettin' all'a little details squared away.
|Euron Kelredis
|Euron Kelredis
I was thinking about what our three most needed.
With two melee barbarians and a melee druid, I'd think we're in most need of an arcanist (ala Cinders or Eseldra).
After that, a ranged character/archer - which could be a ranged paladin, inquisitor, ranger, bard, etc.
Obviously, I'd throw all these preferences away to grab awesome character concepts with dedicated players. :)
Well...I plan on kind of being a 'skirmishy' type of melee person. With some magic to boost my combaty-ness. (^_^)
So, slightly magical big @rsed-sword swinger/dancer type of character.
|Euron Kelredis
It was just the idea I had at the time.....
Nut then, Tyr was pretty much a combat grunt any way....>_>
Ah well...much cheers to you and yours. Well see what others create/bring in. :)
|DM Max
|Euron Kelredis
Meh...don't be getting too excited about any 'Rage' coming from the character. it doesn't have the stats to add that into the mix. :P
The Kenasi will be doing most of the work.
Much cheers to you and yours.
|DM Max
|Yelena Shukhov
|DM Max
|Yelena Shukhov
Karthas, if you would like to trade out the Boots of Elvenkind for something else, feel free to do so as well.
Think I'll leave Karthas as is. Thought about switching out the boots for a +1 Greatsword, but then remembered he had made good use of the boots to the tune of a 30+ Acrobatics check to jump and kill an eidolon earlier in the game.
|Yelena Shukhov


text:
Here is the latest social media review for the track: Beyonce – XO
Beyonce believes December is the best time to release a new album next to Miley Cyrus, Lady Gaga and Katy Perry.
MaryAnn thinks "this is a good move by Beyonce as this is the best time for her to have a new album, it's long overdue."
Solis Trios comments "we need this song from Beyonce now".
Aris Paris suggests "this song should be on your Christmas list as this will be released December 3 either on iTunes or Amazon."
What do you guys think of the new song? Let us know what your thoughts are and post your comment below.
Click To Download Beyonce – XO


text:
Cincinnati Vacations
Cincinnati prides itself on being an "all together surprising" place to visit. Central to this city is the Ohio River where visitors can quickly find a wide range of interesting activities along its banks. Learn about the history of the river while enjoying a wonderful dinner on one of the BB Riverboats or visit the Newport on the Levee which offers over 350,000 square feet of fun, shopping, dining, theaters, comedy clubs, gallery's, aquarium, and beautiful views of the Cincinnati downtown skyline.
Earn bonus miles with SkyMiles® when you purchase a vacation to this destination. More details
Hyatt Regency Cincinnati
A familiar landmark of the city skyline, the Hyatt Regency Cincinnati offers every possible convenience under one roof. Host an elegant banquet in the city's largest hotel ballroom; walk across the enclosed second-level skywalk to Saks Fifth Avenue, Tower PlaceShopping Mall, and Duke Energy... Read more
The Westin Cincinnati
Just blocks from the Ohio River, The Westin Cincinnati overlooks historic Fountain Square in the heart of downtown. A convenient sky-bridge connects you to the city's Convention Center, Carew Tower, and Tower Place Mall - with over 75 exquisite shops and restaurants. The Westin Cincinnati is... Read more
Marriott Cincinnati North
North Suburbs
Conveniently situated midway between Cincinnati and Dayton, the Cincinnati Marriott North- Union Centre is easily accessible off Interstate 75 at exit 19 (Union Centre Boulevard) in the flourishing suburb of West Chester. General Electric, the Procter and Gamble Beckett Ridge Technical Center,... Read more
Marriott Cincinnati Airport
Cincinnati/Northern Kentucky Int'l Airport (CVG)
Voted "The Best Place to Work in Cincinnati," the Cincinnati Airport Marriott offers award-winning service and amenities perfect for the business and leisure traveler, but it is our location 1/2 mile from the airport that you will really appreciate. They are just a short complimentary shuttle... Read more
Marriott Cincinnati Northeast
North Suburbs
The award-winning Cincinnati Marriott Northeast offers the outstanding service and convenience expected from a Marriott hotel, making your travels in the Cincinnati area a success. From the moment you enter the spacious atrium lobby, you will notice the elegant touches that make every guest... Read more
Best Western Clermont
East Suburbs
Come and enjoy the home-away-from-home atmosphere at the newly renovated Best Western Clermont. They can provide an atmosphere of warmth and comfort for the business or family traveler. Tastefully decorated rooms with personal amenities provide accommodations with a special touch. Enjoy... Read more
Package Includes:
- Choice of accommodations
- Hotel taxes
The following options are available when you book your vacation package to Cincinnati:


text:
CK One Might Come Back With Aggy; Britney Goes Über-Blonde
Also Meredith Vieira won't get plastic surgery, Ferragamo wants to open spas, and the Plaza's salon is getting fancier.
• Calvin Klein supposedly wants to reintroduce the classic nineties scent CK One. But instead of calling on Kate Moss — the scent's original face — rumor has it the brand opted for Agyness Deyn for the campaign, giving the tabloids another reason to pit the two against each other. [Haute Concept via Fashionista]
• Ferragamo Parfums is set to release a citrusy, floral, woody fragrance called Tuscan Soul in September. They call it a "lifestyle beauty project" and hope its success will pave the way for Ferragamo-branded spas. Imagine: a fashion spa! [WWD]
• Meredith Vieira says she's against plastic surgery. Her secret to a youthful look is not having a secret. Why don't we quite believe it? [People]
• Clinique's Moisture Surge Face Spray contains aloe and comes in travel-size bottle, so you can bring skin refreshment wherever you go. It's not like you'll look weird walking around spraying yourself in the face or anything. [Daily Cookie]
• Lookie! Britney Spears is really blonde now! [Off the Rack/People]
• The Warren-Tricomi salon that opened at the Plaza Hotel three weeks ago is going to expand again at the end of the summer when they'll offer full access to the hotel's concierge service and room-service menus. There's nothing like a $16 club sandwich when you're getting your hair cut. [Style.com]
• The Epicare So Easy ($17) is a facial-hair-removal tool that looks like a long, thin pen. Its tightly wound coils grab hair at the root. "So Easy"? Right, we remember the Epilady. And we say: Ow. [Beauty in Real Life]