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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
|Interest Rates and Interest Charges
|Ace Rewards® Visa® Business Card
|Annual Percentage Rate (APR) for Purchases
|Ace Rewards Visa Business: 14.99% to 23.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
|APR for Balance Transfers
|Ace Rewards Visa Business: 14.99% to 23.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
|APR for Cash Advances
|Ace Rewards Visa Business: 24.99% This APR will vary with the market based on the Prime Rate.
|Penalty APR and When it Applies
28.99% This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you:
1) Make payments 5 calendar days late twice, or 30 calendar days late once or
2) Make a payment that is returned; or
3) If you exceed your Credit Limit 2 times in 12 consecutive months.
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
|How to Avoid Paying Interest on Purchases
|Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
|Minimum Interest Charge
|If you are charged interest, the charge will be no less than $2.
|Ace Rewards® Visa® Business Card
|Annual Fee
Annual Membership Fee
|Transaction Fees
Balance Transfer
|Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance1
|Either 3% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance ATM
|Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance
|Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Cash Equivalent Advance
|Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Overdraft Protection
Foreign Transaction
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars
3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
|Penalty Fees
Late Payment
|$19 on balances up to $100,  $29 on balances from $100 up to $250,  $39 on balances of $250 or more
Returned Payment
Account must be open and in good standing to earn and redeem rewards and benefits. Please refer to your Ace Rewards Card Member Agreement for additional information.
As solely used in this Ace Rewards Program section (and not elsewhere in this Agreement), the term "Ace Rewards Account Number" refers to the loyalty program number assigned to you and used by Ace Hardware Corporation ("Ace") to administer the Points in the Ace Rewards Program. The term "Account" used by itself shall continue to mean the Ace Rewards Visa Credit Card Account as defined in the first paragraph of this Agreement. "Ace Rewards Account" means the account held by Ace into which Ace Rewards Points are awarded.
(a) We will request that Ace award Ace Rewards Points ("Points") to your Ace Rewards Account for each dollar of Net Purchases (as defined below) on your Card for Ace Purchases (as defined below) and for each dollar of Net Purchases made from other merchants ("Non-Ace Purchases"). In addition, we may request that Ace award additional Points for Net Purchases made at merchants classified in certain industries (for example, gas or grocery) specified in advertising or other materials that we provide from time to time. Additionally, we may request that Ace award additional Points for Ace Purchases if a minimum amount of Net Purchases are made on the Account during a calendar year. Specific point values for all Points earned are included on the Card carrier provided at Account opening. To qualify, Net Purchases must be made during a billing period when your Account is open and in good standing and not more than 29 days delinquent at the close of your billing period. We will not request an award of Points for Advances (including cash advances, wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.
(b) "Ace Purchases" means purchases made directly from Ace Stores or online at acehardware.com. "Net Purchases" for a billing period are determined by adding all new Purchases (Ace Purchases and Non-Ace Purchases) recorded to your Account during the billing period and subtracting any credits (other than payment credits) and chargebacks to a merchant that have been recorded to your Account during the billing period. If credit for returned charges exceeds new Purchases in any billing period, the excess credit will be carried forward into successive billing periods and subtracted from future new Purchases to determine the new Purchases for those successive periods. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points. With respect to additional Points offered for merchants classified in industries, we will notify you on your Card carrier and any promotional materials which industries qualify; however, we cannot control how a merchant chooses to classify its business, and reserve the right to determine which Purchases qualify for the additional Points.
(c) Participation in the Ace Rewards Program is subject to the terms and conditions in the Ace Rewards Program Rules and at acehardware.com. Ace is solely responsible for the redemption and fulfillment of Points. U.S. Bank does not control which Ace locations participate in the Ace Rewards Program. Ace may change the Ace Rewards Program terms and conditions, rules, program partners, Ace Rewards Program regulations, benefits, conditions of participation or Point levels, in whole or in part, at any time with or without notice, even though changes may affect the value of Points already accumulated. We have no obligation to award Points in the Ace Rewards Program or to provide or arrange for any service relating to the use of Points. Our sole obligation with regard to the Ace Rewards Program is to ask that Ace award Points as expressly provided in this Agreement.
(d) The Ace Rewards Account Number on this Account must belong to the primary Cardmember. A change to an Ace Rewards Account Number or Ace Rewards Account must be made with Ace.
(e) Ace is not a party to this Agreement and has no authority or responsibility regarding the Ace Rewards Visa Credit Card Account, including with respect to any extension of credit on the Account. We are solely responsible for all credit extended on the Account. Ace is not a creditor or owner of the Account. We reserve the right to change these Reward Program rules with or without notice to you.
The creditor and issuer of the Ace Rewards Visa Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and this card is available to United States residents only.


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Marvin Pentz Gay, Jr. (2 April 1939 - 1 April 1984) was an American soul and rnb singer, songwriter, producer, and multi-instrumentalist, known as "The Prince of Soul", or "The Prince of Motown." Originally a member of the doo-wop group The Moonglows, he pursued a solo career after the group disbanded and released many successful solo hits including "I Heard It Through the Grapevine", "Let's Get It On" and "What's Going On". His best albums are still held in extremely high regard, and he is often cited as one of the finest singers of his era. Marvin Pentz Gay, Jr. was born in 1939 to Marvin Gay, Sr. and Alberta Gay in Washington, D.C.. Gaye began his career in Motown in 1958, and soon became Motown's top solo male artist. He scored numerous hits during the 1960s, among them "Ain't That Peculiar", "Stubborn Kind of Fellow", and "How Sweet It Is (To Be Loved By You)", as well as several hit duets with Tammi Terrell, including "Ain't No Mountain High Enough"" and "You're All I Need to Get By", before moving on to his own form of musical self-expression. Along with Stevie Wonder, Gaye is notable for fighting the hit-making—but creatively restrictive—Motown record-making process, in which performers, songwriters and record producers were generally kept in separate camps. Gaye forced Motown to release his 1971 album What's Going On, which is today hailed as one of the best albums of all time. Subsequent releases proved that Gaye, who had been a part-time songwriter for Motown artists during his early years with the label, could write and produce his own singles without having to rely on the Motown system. This achievement would pave the way for the successes of later self-sufficient singer-songwriter-producers in African American music, such as Luther Vandross and Babyface. During the 1970s, Gaye would release several other notable albums, including Let's Get It On and I Want You, and released several successful singles such as "Come Get to This", "Got to Give It Up" and "Sexual Healing". By the time of his shooting death in 1984, at the hands of his clergyman father, Gaye had become one of the most influential artists of the soul music era. Read more on Last.fm.
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text:
Fujitsu invests $1 billion for 65nm production
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LONDON Fujitsu is investing Yen 120 billion ($1.05 billion ) in a second 300mm fab in Mie Prefecture, Japan. Volume production on both 90nm and 65nm processes is expected to start in July 2007.
Groundbreaking for the facility is planned for April 2006 and tool install by March 2007. Initial capacity will be 10,000 wafer starts per month by March 2008, with the facility planned to be large enough to make, over time, a maximum of 25,000 wafer starts a month. Fujitsu did not detail when this larger capacity would be achieved.
Fujitsu's existing 300 mm fab, also in Mie Prefecture is expected to reach 15,000 wafter starts a month by April this year, a year after production began.
Reuters reports a Fujitsu spokeswoman saying the company plans to finance the project with cash at hand and its cash flow, without turning to debt or equity markets.


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W3C Web Performance Working Group
Google is a key contributor and founding member of the W3C Web Performance Working Group, whose mission is to provide methods to measure aspects of application performance of user agent features and APIs.Current publications and drafts in progress:
- Navigation Timing
- Resource Timing
- User Timing
- Performance Timeline
- Page Visibility
- Timing control for script-based animations
- High Resolution Time
WebP - new image format for the Web
WebP is a new image format that provides lossless and lossy compression for images on the web. WebP lossless images are 28% smaller in size compared to PNGs. WebP lossy images are 25-34% smaller in size compared to JPEG images at equivalent SSIM index. WebP supports lossless transparency (also known as alpha channel) with just 22% additional bytes. WebP also supports features such as animation, ICC color profile, XMP meta-data and tiling.
Google is a key contributor to the HTML5 working groups through our work with the standards community, as well as in the implementation of the standards through projects like Google Chrome and Chrome for Android. For latest discussions on the latest API's and their performance, check out our community projects like HTML5 Rocks and Chrome Experiments.


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You have a super, dAY ALSO
Hi back, thanks for dropping by - hope everything is going well for u
XXX-Rated Moms Unleashed!
sex, fun and chit chat!
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(¯`•.•´¯) (¯`•.•´¯) Welcome to 40ish & beyond
*`•.¸(¯`•.•´¯)¸.•´Glad you joined the sisterhood!
¤ º° ¤`•.¸.•´ ¤ º° ¤ Jump right in & Join the fun
*`•.¸(¯`•.•´¯)¸.•´ of posting, replying & meeting friends!
¤ º° ¤`•.¸.•´ ¤ º° ¤http://www.cafemom.com/group/7446
Thanks for the add! I look forward to getting to know you. Feel free to stop by anytime to chat. Thanks again and have a great day! Amy
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Nancy Bower, (nee Brown), 69, of Vermilion, passed away Saturday, July 21, 2007 at Kingston of Vermilion following a brief illness.
Nancy was a member of the Avon Lake United Church of Christ. She was a licensed L.I.S. worker and a member of National Social Workers. She enjoyed being around people, traveling and reading.
Survivors include her husband of 41 years, Donald Bower; son, Robert Bower of Cincinnati; daughters, Sarah Azzarello of Salisbury, NC, Catherine Clarise Bower of Elyria; sister, Maryland Roche of Boston.
She was preceded in death by her parents, William and Helen (nee Everhart) Brown.
A Memorial service will be 11 A.M. Saturday, July 28, 2007 at the Avon Lake United Church of Christ, 32801 Electric Blvd., Avon Lake. Pastor Kelly Peters will officiate. Memorial contribution can be made to the Avon Lake United Church of Christ Youth program. Arrangements are being handled by Wyers Funeral Chapel of Sheffield Township.


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BAGHDAD - Passing through razor-wire cordons and police checkpoints, Iraqi voters Saturday took another step in the nation's quest for stability in provincial elections that were carried off without major violence but tarnished by claims of flaws and threats of challenges.
Even before a single ballot was counted, Iraqi officials were basking in the successes - watching millions of voters wave the purple-tinted fingers that have become symbols of the country's hopes for a workable democracy.
President Obama hailed the elections as significant, peaceful and important steps toward Iraqis taking responsibility for their future.
But election observers and others were examining a growing list of complaints, including claims that hundreds of people - perhaps more - were wrongly omitted from voting lists in areas across Iraq.
"There was huge amount of confusion," said Afram Yakoub, a Belgium-based election monitor who visited polling sites in the Mosul area in northern Iraq. "Names were on the center voter registry but did not appear on the (polling) station registry."
The leader of the second largest Sunni bloc in parliament, Saleh al-Mutlaq, accused the Shiite-led government of a deliberate campaign to keep the minority Sunnis "on the sidelines."
It was unclear whether the alleged problems were isolated or could cast doubts on the entire election.
But any political bitterness could further complicate another difficult task ahead for Iraq's leaders: getting hundreds of factions to accept the results as credible and then start hammering out alliances from among 14,000 candidates for the influential regional posts.
The overall picture, however, was close to the goals set by Iraqi officials desperate to portray a sense of order and confidence nearly six years after the U.S.-led invasion.
A vast security operation faced no major confrontations or attacks. Meanwhile, Sunni groups - that boycotted provincial balloting four years ago - were deeply involved in this election, anxious to claim a share of power they had given away to Shiites and Kurds.
"The purple fingers have come back to build Iraq again," said Prime Minister Nouri al-Maliki in a nationwide address shortly after the polls closed - referring to the ink used to identify those who cast ballots.
Results are not expected before Tuesday. But possible challenges were already leaking out.
A senior Sunni leader in the western Anbar province - where former anti-insurgent militias were seeking political gains - alleged that voters couldn't reach polling stations because of the traffic ban and others in Fallujah found the door shut.
"We expect fraud ... Some will try to fill these blank ballots," said Sheik Dari al-Arsan. "We will complain about these violations."
In the southern Shiite city of Basra, voter Hadi Thegil stared angrily at election workers when he was told he wasn't on the registration list, which is compiled using information form Iraq's ration card system. He left muttering: "I feel robbed."
In Karmah, about 50 miles west of Baghdad, local election observer Sabah Hussein said he found ballots marked in advance for the Iraqi Islamic Party, a Sunni bloc that's a partner in al-Maliki's government. It was unclear whether any others were cast.
U.S. soldiers were also out in force, but remained well away from polling centers. The U.S. military assisted in security preparations for the elections, but said troops had a back seat role in the election day operations.
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Here are a few of the newly added eye-catching shots from our Flickr group pool last month. This is awesome stuff people!
2 Comments
Thanks for the picks! Exposure does such a phenomenal job it feels like cheating, especially for a pro! 😀
I have to say, Exposure really came into its own when I learned to properly mask and apply different filters and strengths to the objects and scenes in the image. This was v1.0!
Keep up the great work guys!
I would have to agree with ( Michael Toye ) it does feel like cheating a bit but it sure is fun to play with on a rainy day. 🙂
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Artist description:
well the hair is kinda blueish soo.. :D i still hope u like it~! and i think i accidently put a line on one of his eyebrows.. o.o my bad T^T
Flash Draw Created Mar 10, 2009 470 x 338px Unless noted Copyright 2009 CookaiFanai.
We encourage you to submit a comment and let the artist know what you think of this drawing. Please log in or join to post a comment.
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wow,great job!5/5
Haha, cute. Even tho I haven't read the manga in foreverrr.
yaay, sasuke-kuuuuun!!! 5/5
really great!!
Heyz~ Cookai! thank ya for all the comments!^^ I love this, sasuke's all kawaii~x35h
This is cool!
I LOVE THE BLUE HAIR. seriously!! i don't know why, i just love blue-haired pple. XDD 5 heartss!
Sasuke is so cool! My sister doesnt like him but I think he is awesome! XD


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Jahlil Okafor has seen a lot between Young's national schedule and his summers with Team USA, but he'd never played in a place like this.
A basketball court in the middle of a 10,000-seat place of worship looked as strange as it sounds, but Okafor was right at home.
Young's 6-foot-11 junior was his typical dominant self as No. 2 Young wrapped up its regular season with a 61-46 victory over No. 7 Benet in the City-Suburban Showdown on Saturday at House of Hope Arena.


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Fixed Stats case
Using 300 employees as the population for this study, we can find the annual salary and the training program status for each individual by referring to the firm's personnel records. The data set containing this information for all 300 employees in the population is in the data file named PERSONNEL.
NOTE: You need to use EXCEL to do the following. Please do not copy and paste for I want to see the functions you used.
1 (a) Draw a histogram for the annual salary of all the 300 employees (assumed to be a population).
(b) Find the average, variance and the standard deviation for the annual salary of all the 300 hundred
2 (a) Draw a histogram for those who completed the training program out of the 300 people.
(b) Find the proportion, variance and the standard deviation for those who completed the training
program out of the 300 people.
3. Select 20 random samples, out of the annual salary of 300 employees, where each sample has ten
observations using the SAMPLING function in EXCEL (We discussed this in class).
4. Using the samples in step 3, below each sample, compute the sample average, sample variance and
sample standard deviation, using annual salary. Next line, compute the average of the sample
averages, variances and the standard deviations.
5. Repeat step 3 for those who completed the training program. (HINT: To take random samples from
those who completed the training, please use If Statement to change 'Yes' to 1 and 'No' to 0. Thus the
samples consist of 1s and 0s.)
6. Using the samples in step 5, below each sample, compute the sample proportion, sample variance
and the sample standard deviation. Compute the average of the sample proportions, the
sample variances and the sample standard deviations.
7. Draw a histogram of the 20 sample averages. Compare this graph with the result of step 1 (a).
8. Draw also a graph of the 20 sample proportions. Compare this graph with the result of step 2 (a).
9. Compare the results of step 1 (b) with step 4.
10. Compare the results of step 2 (b) with step 6.
11. What did you learn out of this project?
Tutor Answer
Brown University
1271 Tutors
California Institute of Technology
2131 Tutors
Carnegie Mellon University
982 Tutors
Columbia University
1256 Tutors
Dartmouth University
2113 Tutors
Emory University
2279 Tutors
Harvard University
599 Tutors
Massachusetts Institute of Technology
2319 Tutors
New York University
1645 Tutors
Notre Dam University
1911 Tutors
Oklahoma University
2122 Tutors
Pennsylvania State University
932 Tutors
Princeton University
1211 Tutors
Stanford University
983 Tutors
University of California
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Oxford University
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Yale University
2325 Tutors


text:
I need 500 word
I need 500 words about Hurricane Sandy.
Please follow these steps
Introduction. at the end of introduction I need thesis statement.
Also, three body paragraphs.
I need transition words like ( next, then, last)
I need conclusion.
I attached sample. please follow the same organization.
Tutor Answer
Brown University
1271 Tutors
California Institute of Technology
2131 Tutors
Carnegie Mellon University
982 Tutors
Columbia University
1256 Tutors
Dartmouth University
2113 Tutors
Emory University
2279 Tutors
Harvard University
599 Tutors
Massachusetts Institute of Technology
2319 Tutors
New York University
1645 Tutors
Notre Dam University
1911 Tutors
Oklahoma University
2122 Tutors
Pennsylvania State University
932 Tutors
Princeton University
1211 Tutors
Stanford University
983 Tutors
University of California
1282 Tutors
Oxford University
123 Tutors
Yale University
2325 Tutors


text:
French Montana Delays His Debut Album Again
French Montana's album 'Excuse My French' may be delayed yet again.
The long-awaited LP was first slated for a summer 2012 release but then Frenchie himself shared that he had pushed it back to March 12 of this year via Twitter.
New online banners featuring a May 21 release date have begun to circulate, leaving many to believe that fans will have to wait a bit longer to hear a studio effort from the 'Pop That' rapper.
According to French, his next single will be 'Freaks' with Nicki Minaj. No word on whether his album delay will affect the new single.
Watch French Montana's 'Pop That' Video


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Jane Elliott's patterns are for the unabashed knitter who simply
wants to create Not Just Plain Jane Knits.
When you see Jane Elliott's magnificent designs, you might ask "Will I be able to actually knit something so complex?" The answer -- You certainly will! Jane writes her patterns in exquisite detail. Jane's patterns are written to make her designs accessible to anyone who can read and execute basic knitting techniques. Every stitch is spelled out in every row. You simply follow the pattern row by row, and you end with a magnificent work of art.
Instructions for the Purse, Stole and Baby Blanket in both Solid and Multi Colors are included.
Technique: Knit
Skill Level: Intermediate, 30 pages
Yarn Required: Approximately 250 yds of a DK Weight Yarn for the Purse, approximately 1600 yds for the Stole or Blanket
Gauge: 5.5 sts = 1" on US 5 (3.75mm) Needles
Suggested Needle/Hook Size:
US 5 (3.75mm) Straight Needles for the Purse, 31" Circular Needle for the Stole and Blanket, and a C (3mm) Crochet Hook
Available Options:
Delivery Method:
DownloadSend me a printed copy. (Shipping Charges Apply) (+$2.00)
Qty. Price (options not included): $25.00
This product was added to our catalog on Thursday, October 13, 2011.


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Someone posting from Attawapiskat Chief Theresa Spence's Twitter account called Sen. Patrick Brazeau a "typical colonized Indian a--hole" on Thursday.
Brazeau, a Conservative senator and aboriginal, has been critical of Spence and fiscal management on reserves.
The tweet has since been deleted, but not before other Twitter users took notice.
Spence spokeswoman Lowa Beebe said on Twitter the post wasn't from the chief. She said Spence's supporters set up the account, @ChiefTheresa, and three people have access to it.
In response to the insult, Brazeau tweeted: "Regarding Ms. Spence's comment towards me, contrary to much advice, I will not "dis-Spence."
He later told QMI Agency, via Twitter: "I'm not concerned with personal attacks. My focus is 2 advocate for greater accountability b/c FN ppl deserve it from their leaders."
Thursday marked the end of Spence's 44-day fast during which she subsisted on fish broth and tea to protest the federal government's treatment of aboriginals.