text:
BENJAMIN, Judah Philip, a Senator from Louisiana; born on the Island of St. Croix, Danish West Indies (now Virgin Islands), August 6, 1811; immigrated to Savannah, Ga., in 1816 with his parents, who later settled in Wilmington, N.C.; attended the Fayetteville Academy, Fayetteville, N.C., and Yale College; moved to New Orleans, La., in 1831 and taught school; studied law; admitted to the bar in 1832 and commenced practice in New Orleans; elected to the lower house of the state legislature in 1842 and served until 1844; member of the State constitutional convention in 1845; elected as a Whig to the United States Senate in 1853; reelected as a Democrat in 1859 and served from March 4, 1853, to February 4, 1861, when he withdrew; chairman, Committee on Private Land Claims (Thirty-fourth through Thirty-sixth Congresses); appointed Attorney General under the provisional government of the Confederate States, February 1861; appointed Acting Secretary of War of the Confederate States in August 1861 and served until November 1861, when he was appointed Secretary of War; served in this capacity until February 1862, when he resigned to accept the appointment as Secretary of State in the Cabinet of President Jefferson Davis, in which capacity he served until the end of the war; moved to Great Britain in 1865; studied English law at Lincoln’s Inn, London, was admitted to the bar in that city in 1866, and practiced law there; engaged in newspaper and magazine work; received the appointment of Queen’s counsel in 1872; retired in 1883 from active practice and public life; moved to Paris, France, and died there May 6, 1884; interment in Pere la Chaise Cemetery.
"Benjamin, Judah Philip," Biographical Directory of the United States Congress, 1774 to Present, http://bioguide.congress.gov/scripts/biodisplay.pl?index=B000365.
How to Cite This Page: "Benjamin, Judah Philip," House Divided: The Civil War Research Engine at Dickinson College, http://hd.housedivided.dickinson.edu/node/5087.

lowercased:
benjamin, judah philip, a senator from louisiana; born on the island of st. croix, danish west indies (now virgin islands), august 6, 1811; immigrated to savannah, ga., in 1816 with his parents, who later settled in wilmington, n.c.; attended the fayetteville academy, fayetteville, n.c., and yale college; moved to new orleans, la., in 1831 and taught school; studied law; admitted to the bar in 1832 and commenced practice in new orleans; elected to the lower house of the state legislature in 1842 and served until 1844; member of the state constitutional convention in 1845; elected as a whig to the united states senate in 1853; reelected as a democrat in 1859 and served from march 4, 1853, to february 4, 1861, when he withdrew; chairman, committee on private land claims (thirty-fourth through thirty-sixth congresses); appointed attorney general under the provisional government of the confederate states, february 1861; appointed acting secretary of war of the confederate states in august 1861 and served until november 1861, when he was appointed secretary of war; served in this capacity until february 1862, when he resigned to accept the appointment as secretary of state in the cabinet of president jefferson davis, in which capacity he served until the end of the war; moved to great britain in 1865; studied english law at lincoln’s inn, london, was admitted to the bar in that city in 1866, and practiced law there; engaged in newspaper and magazine work; received the appointment of queen’s counsel in 1872; retired in 1883 from active practice and public life; moved to paris, france, and died there may 6, 1884; interment in pere la chaise cemetery.
"benjamin, judah philip," biographical directory of the united states congress, 1774 to present, http://bioguide.congress.gov/scripts/biodisplay.pl?index=b000365.
how to cite this page: "benjamin, judah philip," house divided: the civil war research engine at dickinson college, http://hd.housedivided.dickinson.edu/node/5087.


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You will need an epub file of your book in order to upload it to your Prolific Works Dashboard. If you have a well-formatted .docx, you can follow these steps to create a well-formatted epub file. We recommend using Calibre, a powerful ebook manager and editor. It’s completely free and open-source, all thanks to its creator Kovid Goyal.
If you have a .docx file, open it in Calibre. If your document’s file type is just .doc (no “x”), you’ll need to convert it since Calibre isn't compatible with that format. You can simply open a .doc file in Microsoft Word and save it as a .docx file. If you don’t have Microsoft Word available, we suggest uploading your .doc file to Google Drive. You can open it in Google Drive and then download it as a .docx file.
First, you'll want to edit the book's metadata so that your name and your book’s name show up when reading it on an e-reader, computer, or other device. To do this, click on your book in the main Calibre screen and then click the "Convert Books" button at the top of the app.
After pressing the button, the first screen you’ll see is the Metadata section. On the right side of the screen, edit any applicable information (title, author, etc.). It’s perfectly acceptable to leave the publisher, tags, or series forms blank if you have nothing to put there. You absolutely want to fill out the title and author(s) forms, though. Add a book cover here, too: your readers will love you even more!
Note: when adding a book cover, click the little file icon (to the right of the box; see below) and select your book cover image file from your computer. Don’t select the "use cover from source file" option.
Once you’ve finished adding metadata and a book cover, click on the "Look & Feel" section on the left side of Calibre.
Check the box next to "Embed all fonts in this document." This places the font file directly in the epub so that if a reader doesn’t have Helvetica (or whatever font you use) on their computer or reader, the font will still be displayed.
Next, select the "Text" tab along the top of the page. On this page, check the box next to "Smarten punctuation." This replaces the straighter quotes (that look like double apostrophes) with fancier curly quotes. This means the document is typographically correct.
Click on the Page Setup section on the left side of the page. The only option you need to change here is the “Output profile” setting. Scroll down and find “Tablet” and then click on it. This simply makes sure that your images are not resized on different devices. If you upload a high-quality cover that looks incredible, it won’t be downsized to a lower quality.
Next, click on "Structure Detection" on the left. You only need to change one option here. Check the “Remove first image" option and leave the other defaults.
Next, click the “OK” button at the bottom-right of the Calibre app to start converting your .docx file to an epub. Once Calibre finishes converting, you’ll see a link below the cover image that says “Path: Click to open.” Click it, and the folder where your new ebook was created should appear. You can always view the ebook in Calibre, but I prefer to view it in either iBooks on a Mac, or Icecream on a Windows PC.
If you’re happy with the results, then start building an empire on Instafreebie! If you’d like to go the extra mile and add a fancy table of contents, though, then read on.
In the main Calibre window, right click on your book and select "Edit Book."
You will be taken to a new page. If you look on the left side of this "Edit Book" page, you’ll see Calibre’s file browser. This shows all the files that make up an epub. If you take a closer look, every chapter is just an HTML file. Epubs are really zip files that house HTML and CSS files. You can think of an epub ebook as a mini webpage .
At the very top of your screen, you'll have a toolbar of little icons. Mouse over these and find "Edit Table of Contents," and click on it.
You’ll see a new screen that asks how you’d like to form your table of contents. Click on the button labeled "Generate ToC from files."
Once you click that option, you’ll see that Calibre wants to add every single file to the table of contents. We don’t need anything before Chapter One, so click on each file (Start, Cover, etc.,) before Chapter 1 and then click the "Remove this entry” button on the right.
Click “OK” when you’re finished.
Now that the table of contents is actually added to your book, place it in the right spot. The file browser on the lower right side shows you where the files are positioned in your book. By default, Calibre places the table of contents at the beginning, before your cover.
You can simply click and drag your table of contents (“toc. xhtml ” in the file browser) to the proper location. A table of contents should be placed after your copyright and dedication pages, but before your acknowledgments page.
When you double-click a file in the Calibre file browser, you’ll see the HTML used, as well as a preview of what it looks like when viewing it in an e-reader. If you have the previously listed pages and need to find out which files they are in, just double-click the first few files to see their contents in the preview panel.
If you don’t have any of those files in your ebook, place your table of contents after the book’s title page.
Make sure to save your changes. Click the “File” menu at the very top of your computer screen and then select "Save."
You can now close the "Edit Book” window and navigate to your epub (which is always found by clicking the “Click to open” link when your ebook is selected in Calibre’s main window).
Inspect your new epub file in your reading app of choice, make sure it looks good, and make sure the links in the table of contents actually work!

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you will need an epub file of your book in order to upload it to your prolific works dashboard. if you have a well-formatted .docx, you can follow these steps to create a well-formatted epub file. we recommend using calibre, a powerful ebook manager and editor. it’s completely free and open-source, all thanks to its creator kovid goyal.
if you have a .docx file, open it in calibre. if your document’s file type is just .doc (no “x”), you’ll need to convert it since calibre isn't compatible with that format. you can simply open a .doc file in microsoft word and save it as a .docx file. if you don’t have microsoft word available, we suggest uploading your .doc file to google drive. you can open it in google drive and then download it as a .docx file.
first, you'll want to edit the book's metadata so that your name and your book’s name show up when reading it on an e-reader, computer, or other device. to do this, click on your book in the main calibre screen and then click the "convert books" button at the top of the app.
after pressing the button, the first screen you’ll see is the metadata section. on the right side of the screen, edit any applicable information (title, author, etc.). it’s perfectly acceptable to leave the publisher, tags, or series forms blank if you have nothing to put there. you absolutely want to fill out the title and author(s) forms, though. add a book cover here, too: your readers will love you even more!
note: when adding a book cover, click the little file icon (to the right of the box; see below) and select your book cover image file from your computer. don’t select the "use cover from source file" option.
once you’ve finished adding metadata and a book cover, click on the "look & feel" section on the left side of calibre.
check the box next to "embed all fonts in this document." this places the font file directly in the epub so that if a reader doesn’t have helvetica (or whatever font you use) on their computer or reader, the font will still be displayed.
next, select the "text" tab along the top of the page. on this page, check the box next to "smarten punctuation." this replaces the straighter quotes (that look like double apostrophes) with fancier curly quotes. this means the document is typographically correct.
click on the page setup section on the left side of the page. the only option you need to change here is the “output profile” setting. scroll down and find “tablet” and then click on it. this simply makes sure that your images are not resized on different devices. if you upload a high-quality cover that looks incredible, it won’t be downsized to a lower quality.
next, click on "structure detection" on the left. you only need to change one option here. check the “remove first image" option and leave the other defaults.
next, click the “ok” button at the bottom-right of the calibre app to start converting your .docx file to an epub. once calibre finishes converting, you’ll see a link below the cover image that says “path: click to open.” click it, and the folder where your new ebook was created should appear. you can always view the ebook in calibre, but i prefer to view it in either ibooks on a mac, or icecream on a windows pc.
if you’re happy with the results, then start building an empire on instafreebie! if you’d like to go the extra mile and add a fancy table of contents, though, then read on.
in the main calibre window, right click on your book and select "edit book."
you will be taken to a new page. if you look on the left side of this "edit book" page, you’ll see calibre’s file browser. this shows all the files that make up an epub. if you take a closer look, every chapter is just an html file. epubs are really zip files that house html and css files. you can think of an epub ebook as a mini webpage .
at the very top of your screen, you'll have a toolbar of little icons. mouse over these and find "edit table of contents," and click on it.
you’ll see a new screen that asks how you’d like to form your table of contents. click on the button labeled "generate toc from files."
once you click that option, you’ll see that calibre wants to add every single file to the table of contents. we don’t need anything before chapter one, so click on each file (start, cover, etc.,) before chapter 1 and then click the "remove this entry” button on the right.
click “ok” when you’re finished.
now that the table of contents is actually added to your book, place it in the right spot. the file browser on the lower right side shows you where the files are positioned in your book. by default, calibre places the table of contents at the beginning, before your cover.
you can simply click and drag your table of contents (“toc. xhtml ” in the file browser) to the proper location. a table of contents should be placed after your copyright and dedication pages, but before your acknowledgments page.
when you double-click a file in the calibre file browser, you’ll see the html used, as well as a preview of what it looks like when viewing it in an e-reader. if you have the previously listed pages and need to find out which files they are in, just double-click the first few files to see their contents in the preview panel.
if you don’t have any of those files in your ebook, place your table of contents after the book’s title page.
make sure to save your changes. click the “file” menu at the very top of your computer screen and then select "save."
you can now close the "edit book” window and navigate to your epub (which is always found by clicking the “click to open” link when your ebook is selected in calibre’s main window).
inspect your new epub file in your reading app of choice, make sure it looks good, and make sure the links in the table of contents actually work!


text:
A brief history of Datric and short bios of the management team.
Datric, Inc. was founded in 2000 in Charlotte, NC and provides functional consulting, application and system design, data integration and data warehousing solutions for SAP customers. We specialize in providing small, highly experienced and cross-functional teams to dramatically reduce the time and cost to progress from design to productive operations.
Our diverse client list includes global firms such as Bayer, GE Aviation, Hewlett Packard, Lenovo, Limited Brands, Mitsubishi, PepsiCo, RF Micro, Schaeffler Group, Teradata, Walt Disney Company, and Warner Brothers Studio where we provided SAP functional and technical design, configuration, integration, data modeling, customization and enterprise data warehousing.
ADS-Medical is Datric’s medical metadata repository software application with standards-based term glossary, processes, documents and linkage to multiple medical regulatory control requirements.
James (Jim) Griffin, President – Jim’s role is not only President but also includes consulting roles such as Senior Technical Architect, Senior Business Strategist, and Senior Business Information Architect. He is recognized internationally as being an expert in the field of SAP/BW and Teradata integration. Probably the most important role, however, is that of company visionary. Jim’s insight into the workings of fortune 100 companies has led Datric to develop Business Intelligence products, services, and strategies that meet the needs of both large and small companies. Prior to co-founding Datric, Jim was a Principal Consultant with PriceWaterhouseCoopers, LLC. SAP practice and prior to that was the IS Manager for Westinghouse, Inc.
Doyle Shelton, Director of Operations – Doyle’s role is that of day-to-day operations and direction. Additionally, he handles the contracting, interviewing, hiring, and deployment of both Datric personnel and sub-contractors. From the start of Datric, Doyle has handled the E-Commerce business and continues in that role. Prior to co-founding Datric, Doyle was the E-Commerce Manager for Lucent Technologies.
James (Jim) Giffin, Director of Technology – Jim’s role is to oversee technical operations and direction for Datric which includes our SaaS EDI offering datric.net, Internal Systems and technical working environment. In addition, Jim is recognized as an expert in the field of data integration with SAP systems and data bases achieving multiple SAP ICC certifications for internal and external projects. When needed, Jim also continues his role as a SAP Consultant knowledgeable in ABAP, Basis and other technical areas of SAP. Prior to joining Datric as a Partner, Jim was a SAP Consultant for PriceWaterhouseCoopers, LLC.
Odell Witherspoon, Controller – Odell is responsible for Datric’s financial health which includes, billing, accounts payable, forecasting, statements, analysis and reporting. He handles all requests for audits, and develops financial procedures as required. Prior to joining Datric in 2003, Odell was with the Financial Controller’s organization of Westinghouse, Inc.
Dave Palmer, Regioinal Director of Sales – Dave has a successful background of over twenty five years in consultative solution selling. He has a deep understanding of enterprise IT servers, data storage, virtualization, business continuity, disaster recovery, hosting and co-locations services, end user computing, business intelligence/decision support, data governance, Big Data, and predictive analytics. Dave possesses a strong reputation for sales team leadership and creative strategies for “closing the deal” while building lasting customer relationships. While leading sales teams for such companies as Dell, ePlus, EMC and Hewlett-Packard Dave closed over $150M in revenue.

lowercased:
a brief history of datric and short bios of the management team.
datric, inc. was founded in 2000 in charlotte, nc and provides functional consulting, application and system design, data integration and data warehousing solutions for sap customers. we specialize in providing small, highly experienced and cross-functional teams to dramatically reduce the time and cost to progress from design to productive operations.
our diverse client list includes global firms such as bayer, ge aviation, hewlett packard, lenovo, limited brands, mitsubishi, pepsico, rf micro, schaeffler group, teradata, walt disney company, and warner brothers studio where we provided sap functional and technical design, configuration, integration, data modeling, customization and enterprise data warehousing.
ads-medical is datric’s medical metadata repository software application with standards-based term glossary, processes, documents and linkage to multiple medical regulatory control requirements.
james (jim) griffin, president – jim’s role is not only president but also includes consulting roles such as senior technical architect, senior business strategist, and senior business information architect. he is recognized internationally as being an expert in the field of sap/bw and teradata integration. probably the most important role, however, is that of company visionary. jim’s insight into the workings of fortune 100 companies has led datric to develop business intelligence products, services, and strategies that meet the needs of both large and small companies. prior to co-founding datric, jim was a principal consultant with pricewaterhousecoopers, llc. sap practice and prior to that was the is manager for westinghouse, inc.
doyle shelton, director of operations – doyle’s role is that of day-to-day operations and direction. additionally, he handles the contracting, interviewing, hiring, and deployment of both datric personnel and sub-contractors. from the start of datric, doyle has handled the e-commerce business and continues in that role. prior to co-founding datric, doyle was the e-commerce manager for lucent technologies.
james (jim) giffin, director of technology – jim’s role is to oversee technical operations and direction for datric which includes our saas edi offering datric.net, internal systems and technical working environment. in addition, jim is recognized as an expert in the field of data integration with sap systems and data bases achieving multiple sap icc certifications for internal and external projects. when needed, jim also continues his role as a sap consultant knowledgeable in abap, basis and other technical areas of sap. prior to joining datric as a partner, jim was a sap consultant for pricewaterhousecoopers, llc.
odell witherspoon, controller – odell is responsible for datric’s financial health which includes, billing, accounts payable, forecasting, statements, analysis and reporting. he handles all requests for audits, and develops financial procedures as required. prior to joining datric in 2003, odell was with the financial controller’s organization of westinghouse, inc.
dave palmer, regioinal director of sales – dave has a successful background of over twenty five years in consultative solution selling. he has a deep understanding of enterprise it servers, data storage, virtualization, business continuity, disaster recovery, hosting and co-locations services, end user computing, business intelligence/decision support, data governance, big data, and predictive analytics. dave possesses a strong reputation for sales team leadership and creative strategies for “closing the deal” while building lasting customer relationships. while leading sales teams for such companies as dell, eplus, emc and hewlett-packard dave closed over $150m in revenue.


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Below you will find our range of Volvo Interior LED Packages, which we stock.
All our Volvo Interior LEDs are CANBUS compatible & 100% Error Free. If your model is not listed then please contact us.

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below you will find our range of volvo interior led packages, which we stock.
all our volvo interior leds are canbus compatible & 100% error free. if your model is not listed then please contact us.


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Style: Available in Men and Women, as: Tank Top or T-shirt, and Unisex, as: Hoodie or Crewneck Sweatshirt.
Please note: I’m just some guy who likes cool shirts and food — not a clothing mogul. As such, I apologize for not having sample photos of every style combination, and any slight variations that occur between products. With that being said… I pinky promise they all look awesome! (And if they don’t, I’ll personally send you a new one).

lowercased:
style: available in men and women, as: tank top or t-shirt, and unisex, as: hoodie or crewneck sweatshirt.
please note: i’m just some guy who likes cool shirts and food — not a clothing mogul. as such, i apologize for not having sample photos of every style combination, and any slight variations that occur between products. with that being said… i pinky promise they all look awesome! (and if they don’t, i’ll personally send you a new one).


text:
In this article, Professor Fischer outlines his experience in the admissions department at Georgetown University Law Center as well as other legal academic settings, and the perspective he gained with regard to women in the sphere of legal academia. The article outlines a careful reflection over the role of gender in these settings, in contrast with Lawrence Summer's perspective on innate gender differences.
Thomas Fischer, Lawrence Summers’ Speech on “Innate” Differences Between Men and Women--A Different Perspective, 11 CARDOZO WOMEN’S L. J. 565 (2005).

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in this article, professor fischer outlines his experience in the admissions department at georgetown university law center as well as other legal academic settings, and the perspective he gained with regard to women in the sphere of legal academia. the article outlines a careful reflection over the role of gender in these settings, in contrast with lawrence summer's perspective on innate gender differences.
thomas fischer, lawrence summers’ speech on “innate” differences between men and women--a different perspective, 11 cardozo women’s l. j. 565 (2005).


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Retired from work but not life, am kind, gentle, thoughtful, compassionate, loving man whom enjoys the simple but fulfilling pleasures in life. In the UK after years abroad, seeking a open minded woman to share this life with, what ever may happen.
Im very very homely and have a lovely little dog called Gizmo that's a huge part of my life. I like gardening and home d.i.y, I'm happy in my own company but its time i settled down, so here i am. I'm honest reliable and faithful. I've never married and i have no children. Please contact me if you like what you see :) If you want to scam someone then you may as well go somewhere else, I'm not desperate and i can spot a scammer a mile away. so don't waste your or my time.
Fun loving, light-hearted, kind, generous, honest and sincere. Love swimming, cycling, running, dancing, singing, walking in countryside or by the sea. I like most of the arts including painting, theatre, cinema etc. I like dining out especially with good company. I work in advertising, but am entrepreneurial in spirit so have a number of business ventures running as well.
I'm 5'7 tall with short dark hair and green/bluey eyes and I'm kind, caring, a bit quiet and fun. I like going out and I'm here for friends, relationship and finding Miss Right. If that's you, please get in contact. I would like a nice girl to love me and cherish me, look after each other, protect me and caring. I also like going to the cinema, ten-pin bowling, skating and cycling. I can't wait to meet the girl of my dreams, I'm sure she's here somewhere.
Caring, honest, chatty with good values. Enjoy the home life as well as trips out, shopping, socialising with friends/neighbours. My lodgers Filipino is joining us soon so hopefully will get good insight into your way of life!
My name is John i am funny, a hopeless romantic at heart and looking for a young beautiful girl for me to take care off.
Romantic, loving, allways faithfull, rarely moody, affectionate to tthe one I love.
I am a caring, Christian Salvationist, generous , considerate, honest and loving; BUT, be warned, I am told that I snore; probably due to a sinus problem. I would not object to separate bedrooms with permitted access.

lowercased:
retired from work but not life, am kind, gentle, thoughtful, compassionate, loving man whom enjoys the simple but fulfilling pleasures in life. in the uk after years abroad, seeking a open minded woman to share this life with, what ever may happen.
im very very homely and have a lovely little dog called gizmo that's a huge part of my life. i like gardening and home d.i.y, i'm happy in my own company but its time i settled down, so here i am. i'm honest reliable and faithful. i've never married and i have no children. please contact me if you like what you see :) if you want to scam someone then you may as well go somewhere else, i'm not desperate and i can spot a scammer a mile away. so don't waste your or my time.
fun loving, light-hearted, kind, generous, honest and sincere. love swimming, cycling, running, dancing, singing, walking in countryside or by the sea. i like most of the arts including painting, theatre, cinema etc. i like dining out especially with good company. i work in advertising, but am entrepreneurial in spirit so have a number of business ventures running as well.
i'm 5'7 tall with short dark hair and green/bluey eyes and i'm kind, caring, a bit quiet and fun. i like going out and i'm here for friends, relationship and finding miss right. if that's you, please get in contact. i would like a nice girl to love me and cherish me, look after each other, protect me and caring. i also like going to the cinema, ten-pin bowling, skating and cycling. i can't wait to meet the girl of my dreams, i'm sure she's here somewhere.
caring, honest, chatty with good values. enjoy the home life as well as trips out, shopping, socialising with friends/neighbours. my lodgers filipino is joining us soon so hopefully will get good insight into your way of life!
my name is john i am funny, a hopeless romantic at heart and looking for a young beautiful girl for me to take care off.
romantic, loving, allways faithfull, rarely moody, affectionate to tthe one i love.
i am a caring, christian salvationist, generous , considerate, honest and loving; but, be warned, i am told that i snore; probably due to a sinus problem. i would not object to separate bedrooms with permitted access.


text:
Ruth's Chris, San Diego Ca.
This is the San Diego "Ruth's Chris" restaurant. The corporate designer's in New York had seen a wave style rail that I had done for a local resident, and gave me a lot of freedom to come up with this stair railing.

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ruth's chris, san diego ca.
this is the san diego "ruth's chris" restaurant. the corporate designer's in new york had seen a wave style rail that i had done for a local resident, and gave me a lot of freedom to come up with this stair railing.


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Please complete the registration form. Please allow 3 business days for your application to be processed. Upon completion of your application you will receive notification of your orientation date. All students must complete orientation with a parent or legal guardian before becoming officially enrolled into the program.
If you are mailing in the registration application form, please have a parent or legal guardian sign the application before mailing.

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please complete the registration form. please allow 3 business days for your application to be processed. upon completion of your application you will receive notification of your orientation date. all students must complete orientation with a parent or legal guardian before becoming officially enrolled into the program.
if you are mailing in the registration application form, please have a parent or legal guardian sign the application before mailing.


text:
Dehradun: An alert for heavy rains has been sounded in Uttarakhand for the next 36 hours, an official said on Thursday.
Following the Regional Met Office's warning of very heavy rains in several districts, the state government alerted the State Disaster Management teams to be on stand-by while the people living on the river banks have been asked to shift to safer places.
Rivers like Ganga, Alaknanda, Mandakini and many other rain-fed rivers are also in spate but are flowing below the danger mark, the official told IANS.
The annual Chaar Dhaam pilgrimage is also underway, despite brief interruptions due to bad weather, heavy downpour and landslides.

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dehradun: an alert for heavy rains has been sounded in uttarakhand for the next 36 hours, an official said on thursday.
following the regional met office's warning of very heavy rains in several districts, the state government alerted the state disaster management teams to be on stand-by while the people living on the river banks have been asked to shift to safer places.
rivers like ganga, alaknanda, mandakini and many other rain-fed rivers are also in spate but are flowing below the danger mark, the official told ians.
the annual chaar dhaam pilgrimage is also underway, despite brief interruptions due to bad weather, heavy downpour and landslides.


text:
Stems - A thick underground caudex. Aerial stems absent.
Leaves - All arising from base of plant. Petioles to +15cm long, hirsute, with single longitudinal groove. Blades of lower leaves rounded at apex, reniform, or ovate, crenate to serrate, pubescent. Upper leaf blades cordate at base, gradually tapering to an acute or blunt apex, serrate, densely pubescent(hirsute), to +5cm broad, +5cm long.
Inflorescence - Single flowers on long peduncles from base of plant. Peduncles to +10cm long, hirsute, curved at apex, with pair of opposite or sub-opposite bracts in upper half. Bracts 3-4mm long.
Flowers - Corolla violet, +2cm broad and long. Petals 5, fading to pale yellow at base, with dark venation near base. Lateral petals bearded. Lower petal spurred. Stamens 5, connate around ovary. Bottom two stamens with flattened curved nectaries to +3mm long. Ovary conic, -3mm long. Style to -2mm long, truncate and triangular at apex. Sepals 5, to 9mm long, 3mm broad, mostly glabrous or very sparsely pubescent, topmost one recurved. Auricles 1mm long, rounded at base.
Habitat - Slopes, open and low woods, thickets, streambanks.
Other info. - This is a common violet in the state. It greatly resembles other plants in the genus but differs in having the typically densely pubescent leaves and peduncles. The leaves can grow larger than what I posted above but the above numbers are the typical leaf size at anthesis, and this is when most people are likely to be paying attention to the plants.
Steyermark lists two forms based on corolla color. Form sororia, shown above, has the typical blue-purple corolla. Form Beckwithae House has a white corolla and is rare.

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stems - a thick underground caudex. aerial stems absent.
leaves - all arising from base of plant. petioles to +15cm long, hirsute, with single longitudinal groove. blades of lower leaves rounded at apex, reniform, or ovate, crenate to serrate, pubescent. upper leaf blades cordate at base, gradually tapering to an acute or blunt apex, serrate, densely pubescent(hirsute), to +5cm broad, +5cm long.
inflorescence - single flowers on long peduncles from base of plant. peduncles to +10cm long, hirsute, curved at apex, with pair of opposite or sub-opposite bracts in upper half. bracts 3-4mm long.
flowers - corolla violet, +2cm broad and long. petals 5, fading to pale yellow at base, with dark venation near base. lateral petals bearded. lower petal spurred. stamens 5, connate around ovary. bottom two stamens with flattened curved nectaries to +3mm long. ovary conic, -3mm long. style to -2mm long, truncate and triangular at apex. sepals 5, to 9mm long, 3mm broad, mostly glabrous or very sparsely pubescent, topmost one recurved. auricles 1mm long, rounded at base.
habitat - slopes, open and low woods, thickets, streambanks.
other info. - this is a common violet in the state. it greatly resembles other plants in the genus but differs in having the typically densely pubescent leaves and peduncles. the leaves can grow larger than what i posted above but the above numbers are the typical leaf size at anthesis, and this is when most people are likely to be paying attention to the plants.
steyermark lists two forms based on corolla color. form sororia, shown above, has the typical blue-purple corolla. form beckwithae house has a white corolla and is rare.


text:
The double oscillating system of this automatic wrist watch is another refinement. The novel winder with two synchronous moving rotors is patented.
The platin rotors are mounted on tiny precision ball bearings. The exquisitely hand crafted dial reveals was especially created for the Retro twin.
This model also features the revolutionary retrograde second hand, introduced in the handwound Retrograd.

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the double oscillating system of this automatic wrist watch is another refinement. the novel winder with two synchronous moving rotors is patented.
the platin rotors are mounted on tiny precision ball bearings. the exquisitely hand crafted dial reveals was especially created for the retro twin.
this model also features the revolutionary retrograde second hand, introduced in the handwound retrograd.


text:
In 2013 we had the inaugural Full Moon Beach Run and after the event success, many runners have since added this run to their bucket list. On 6 December 2014 the stars, full moon and low tide combine perfect once again to host another one. The request was to add a shorter version as well and we therefore added a 6km run as well.
Chain Gang Events again in partnership with Wilderness NSRI, the event’s official charity, want to help you tick this one off your bucket list, and run on what’s been described as the best stretch of beach in the country! Join us on the evening of Saturday 6 December. Runners will be welcomed with a coffee at registration at the Wilderness NSRI before being transported by the organisers to the start (21km runners to Swartvlei and the 6km runners to Kleinkrantz). Your car will be safe at the finish. Runners need to have all of their standard trail running hydration and safety equipment with them en route. The refreshment stop will be a welcome top-up approximately mid-way. Medical assistance will be available on route.
Starting at Swartvlei Beach, the 21km runners will pass Gericke’s Point, the rocky landmark resembling a lion’s head. Thereafter enjoy kilometers of mixed sand and rock shelves with the warm Benguela current on your left and the fossilised sandstone dunes towering above you on your right. Passing Kleinkranz village (the 6km Runners starting point) and a mid-run refreshment stop, runners then reach Flat Rock and a few more kilometers of sand running to the finish at Wilderness NSRI.
The Wilderness NSRI base will host the finish where runners will be greeted with medals and refreshments, and an opportunity to share this amazing experience with fellow runners and family.
Since last year, the wife of the race director (Juan Botes) lost her fight against cancer and in memory of her (last years' runners would have met her at the refreshment stop at Kleinkranz) the race will be named after her, as it was her favourite stretch of beach.
Come and enjoy the experience and support a worthy cause. Registration will start from 16:00 - 18:00 on the Saturday at the Wilderness NSRI office. This is a pre-entry event only (unfortunately no late entries) and entries close on the 2 December 2014 or when the 200 runner limit has been reached.

lowercased:
in 2013 we had the inaugural full moon beach run and after the event success, many runners have since added this run to their bucket list. on 6 december 2014 the stars, full moon and low tide combine perfect once again to host another one. the request was to add a shorter version as well and we therefore added a 6km run as well.
chain gang events again in partnership with wilderness nsri, the event’s official charity, want to help you tick this one off your bucket list, and run on what’s been described as the best stretch of beach in the country! join us on the evening of saturday 6 december. runners will be welcomed with a coffee at registration at the wilderness nsri before being transported by the organisers to the start (21km runners to swartvlei and the 6km runners to kleinkrantz). your car will be safe at the finish. runners need to have all of their standard trail running hydration and safety equipment with them en route. the refreshment stop will be a welcome top-up approximately mid-way. medical assistance will be available on route.
starting at swartvlei beach, the 21km runners will pass gericke’s point, the rocky landmark resembling a lion’s head. thereafter enjoy kilometers of mixed sand and rock shelves with the warm benguela current on your left and the fossilised sandstone dunes towering above you on your right. passing kleinkranz village (the 6km runners starting point) and a mid-run refreshment stop, runners then reach flat rock and a few more kilometers of sand running to the finish at wilderness nsri.
the wilderness nsri base will host the finish where runners will be greeted with medals and refreshments, and an opportunity to share this amazing experience with fellow runners and family.
since last year, the wife of the race director (juan botes) lost her fight against cancer and in memory of her (last years' runners would have met her at the refreshment stop at kleinkranz) the race will be named after her, as it was her favourite stretch of beach.
come and enjoy the experience and support a worthy cause. registration will start from 16:00 - 18:00 on the saturday at the wilderness nsri office. this is a pre-entry event only (unfortunately no late entries) and entries close on the 2 december 2014 or when the 200 runner limit has been reached.


text:
Imagine you are thousands of miles away from home standing in the middle of a completely new city for the very first time. What do you hear? What do you smell? What are you seeing? What emotions are running through you?
To someone who has never traveled before, answering these questions seems like a simple task – you hear the local language, you smell the local food, you see the iconic landmarks, and you feel excited. Little do they know, however, their answers to these questions don’t even begin to describe what it is like to actually experience the situation first hand.
On the other hand, travel junkies (ourselves included) will have a much more difficult time answering these questions. To someone who has traveled, the answers to these questions can rarely be described with enough detail to put every feeling and emotion experienced into words. The feeling you get when departing for a trip and embarking on a new journey is like a drug we can’t get enough of; we crave adventure, yearn for new experiences, and are addicted to the high that is experienced with every trip that is crossed off of our bucket list.
This high is a feeling that everyone should have the opportunity to experience, which brings us to officially introduce The Bucket List by StudentCity. Aiming to show every young traveler out there what our amazing world has to offer, The Bucket List by StudentCity combines travel to iconic locations with diverse cultural experiences, meeting new people, and living life to the fullest.
From the curious minds that are new to travel, to the adventurous souls that can never seem to stay in one place long enough to settle down, and anyone in between, we are inviting you to come explore your world!
With trips to Australia, Costa Rica, Northern Europe, Western Europe, Thailand, and Peru currently running, we couldn’t be more excited to share our passion for travel with you. To view the details and itineraries for any of our current trips click the button below!

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imagine you are thousands of miles away from home standing in the middle of a completely new city for the very first time. what do you hear? what do you smell? what are you seeing? what emotions are running through you?
to someone who has never traveled before, answering these questions seems like a simple task – you hear the local language, you smell the local food, you see the iconic landmarks, and you feel excited. little do they know, however, their answers to these questions don’t even begin to describe what it is like to actually experience the situation first hand.
on the other hand, travel junkies (ourselves included) will have a much more difficult time answering these questions. to someone who has traveled, the answers to these questions can rarely be described with enough detail to put every feeling and emotion experienced into words. the feeling you get when departing for a trip and embarking on a new journey is like a drug we can’t get enough of; we crave adventure, yearn for new experiences, and are addicted to the high that is experienced with every trip that is crossed off of our bucket list.
this high is a feeling that everyone should have the opportunity to experience, which brings us to officially introduce the bucket list by studentcity. aiming to show every young traveler out there what our amazing world has to offer, the bucket list by studentcity combines travel to iconic locations with diverse cultural experiences, meeting new people, and living life to the fullest.
from the curious minds that are new to travel, to the adventurous souls that can never seem to stay in one place long enough to settle down, and anyone in between, we are inviting you to come explore your world!
with trips to australia, costa rica, northern europe, western europe, thailand, and peru currently running, we couldn’t be more excited to share our passion for travel with you. to view the details and itineraries for any of our current trips click the button below!


text:
In Adelaide , We are helping 36+ of destined couples unite together.
I need a life time partner, for share my everything.
I am looking for my soul mate .

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in adelaide , we are helping 36+ of destined couples unite together.
i need a life time partner, for share my everything.
i am looking for my soul mate .


text:
I have over 15 years of diverse experience in various fields including training, consulting, counseling, business & performance coaching, computer programming, networks & security, mathematics, psychology and others.
I founded Mustafa Mohsen Institute, a professional coaching, training and consulting institute, in order to provide the highest quality result-oriented training & consulting services. I introduced various creative and highly appreciated programs to the local market including Multidimensional Thinking™, NLP for Business, I Can Speak!, High-Voltage Selling™, High Voltage Learning and many others.
After being intensively benchmarked for all the training and presentation skills, and after showing the required excellence and competency, I was on of the first Egyptians and Arabs to be certified as a Neuro-semantics trainer by the International Society of Neuro-Semantics. Neuro-Semantics is currently the latest developments in unleashing human potential, based on the work of Maslow, Cognitive-Behavioral Psychology, and others.
Experience:I worked with clients from Egypt, U.S.A, Indonesia, Malaysia, India, and other countries. Thus, have a wide experience with overseas coaching and consulting.
I aim to rise the training standards in the local, and then the regional market, and to spread awareness of results-orientation in the services sector.

lowercased:
i have over 15 years of diverse experience in various fields including training, consulting, counseling, business & performance coaching, computer programming, networks & security, mathematics, psychology and others.
i founded mustafa mohsen institute, a professional coaching, training and consulting institute, in order to provide the highest quality result-oriented training & consulting services. i introduced various creative and highly appreciated programs to the local market including multidimensional thinking™, nlp for business, i can speak!, high-voltage selling™, high voltage learning and many others.
after being intensively benchmarked for all the training and presentation skills, and after showing the required excellence and competency, i was on of the first egyptians and arabs to be certified as a neuro-semantics trainer by the international society of neuro-semantics. neuro-semantics is currently the latest developments in unleashing human potential, based on the work of maslow, cognitive-behavioral psychology, and others.
experience:i worked with clients from egypt, u.s.a, indonesia, malaysia, india, and other countries. thus, have a wide experience with overseas coaching and consulting.
i aim to rise the training standards in the local, and then the regional market, and to spread awareness of results-orientation in the services sector.


text:
This Agreement is made and entered into by and between InstaPayUSA LLC, and you, the InstaPayUSA Account Holder.
Certain Definitions. In this Agreement, the words "you" and "your" refer to the person or business who has applied for and accepted or used an InstaPayUSA Account, including any authorized user of the Account. "InstaPayUSA Account" refers to the Account set up by InstaPayUSA that includes the capability to transfer funds electronically. "InstaPayUSA," "we," "our," and "us" refer to InstaPayUSA, LLC., a Utah Limited Liability Company and its corporate partners or affiliates. "Banking Partner" refers to the bank sponsor through which InstaPayUSA will submit any Automated Clearing House ("ACH") electronic funds transfer request. "ACH Credit" refers to a transaction that electronically transfers funds to your Account from an account at a financial institution, while an "ACH Debit" refers to a transaction which electronically transfers funds from your Account to an account at a financial institution. "ACH Item" refers to an ACH credit, an ACH debit, or both. The words "Intra- InstaPayUSA Transfer" refer to an electronic transfer of funds between any type of an Account held with InstaPayUSA and any other InstaPayUSA Account. The words "business day" means every Monday through Friday, except Federal and Utah state holidays. "Affiliation" or "Affiliation Status" refers to the relationship between you and a third party entity with which InstaPayUSA has entered into an agreement for special terms and/or pricing. The headings in this Agreement are for convenience of reference only and will not govern the interpretation of the provisions hereof. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
1. Checking Account. You must establish and maintain a checking account as described in your Account profile to facilitate the transfer of funds. As part of this agreement, you irrevocably authorize InstaPayUSA to debit your Checking Account for any fees, payments or penalties you owe or may owe InstaPayUSA relating to ACH or Intra- InstaPayUSA transactions. You authorize InstaPayUSA to initiate reversal or adjustment entries and initiate or suspend such entries as may be necessary to grant you conditional credit for any entry. When registering a checking account in your Account profile, you will be required to enter your bank name, the routing number of your bank, and your checking account number. Once this information is entered, you will be required to validate that the routing number and checking account number are correct and that you have the proper authorization to access the account.
ACH Transactions. When you request InstaPayUSA to transfer funds from your checking account to another checking account, you are requesting an electronic funds transfer through the ACH system. By doing so, you authorize InstaPayUSA to initiate, process, transmit, and settle through a Banking Partner, an ACH debit or credit in the amount that you specify. You agree that your ACH requests are accurate, timely, and have been authorized by the party into whose account the credit will be made, or by the party from whose account the debit will be made. Your authorization will remain in effect after termination of this Agreement and until InstaPayUSA has received written notice terminating this authorization and all your obligations to InstaPayUSA have been paid in full.
a. Adherence to ACH Rules. You agree to be bound by the rules of the National Automated Clearing House Association ("NACHA") in effect as they may be amended from time to time. You also agree not to request an ACH transfer that violates the laws of the United States, which include, but are not limited to, sanctions enforced by the Office of Foreign Assets Control ("OFAC").
b. ACH Returns, Rejections, Cancellations, and Acceptance.. You may be charged a fee for any ACH transactions that result in a returned ACH item, such as, but not limited to, those caused by insufficient funds in your checking account, closure of your checking account, or if the bank account number or other information you provided is incorrect. InstaPayUSA reserves the right to resubmit for collection any ACH item authorized by you that is returned InstaPayUSA will notify you within 2 (two) business days of the receipt of a returned ACH item.
Upon written request, InstaPayUSA will attempt to cancel an entry before transmitting it. However, InstaPayUSA shall have no liability if the effect of cancellation fails.
InstaPayUSA is not responsible or liable in any way for any entry not accepted by InstaPayUSA Banking Partner.
c. Provisional Credits. All credits to your Account resulting from an ACH debit are provisional until final settlement is made through a Federal Reserve Bank. If InstaPayUSA does not receive final settlement, you will refund InstaPayUSA the amount of any such entry.
d. Accuracy of Information. You acknowledge that if a financial institution name and number are incorrect or inconsistent, we may rely on the identifying number alone, even if the number identifies a financial institution, person, or account other than the one named.
e. Fees.You will pay InstaPayUSA fees for services in accordance with this Agreement by reference under the fee structure. Such fees will be calculated and debited from amounts due to you under the InstaPayUSA Account concurrently with transaction activity, or will be netted out from the funds due you under this Agreement.
You will immediately pay InstaPayUSA any amount incurred by InstaPayUSA attributable to the transfer of funds pursuant to this Agreement, including but not limited to non-sufficient fund fees, or other fees charged from any other financial institution for any amount you owe InstaPayUSA under this Agreement or under any contract now existing or later entered into between you and InstaPayUSA.
f. Transfer Amount Limitations. Currently, InstaPayUSA limits the amount you are allowed to transfer from your checking account to $10,000.00 per day. If you wish to increase the limitations allowed you must contact a customer service representative and an exception may be allowed on an individual basis.
For fraud and anti-money laundering purposes, InstaPayUSA reserves the sole and exclusive right to review large electronic transfer of funds to or from your Account before releasing the funds. InstaPayUSA also reserves the right to refuse any transfer of funds at our discretion.
g. Type of Bank Account Required. You may only use a checking account of a financial institution located in the United States of America ("US") or US Territories (Puerto Rico, Guam, American Samoa, and the US Virgin Islands). The electronic transfer of funds to or from a foreign bank or the branch of a foreign bank in a territory of the United States is also prohibited. The term foreign bank does not include: (i) A US agency or branch of a foreign bank; and (ii) An insured bank organized under the laws of a territory of the United States, Puerto Rico, Guam, American Samoa, or the US Virgin Islands. Please ensure that the bank routing and the checking account numbers are correct or you may be subject to a fee. If you have any doubt as to the accuracy of the bank routing or the checking account numbers, please call your bank for verification.
Balances.Balance will be held in your InstaPayUSA Account for the benefit of others until such authorized releases. InstaPayUSA will hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes and will not voluntarily make your funds available to its creditors in the event of bankruptcy. While your funds are in our custody, InstaPayUSA will combine your funds with the funds of other Users and place those Pooled Accounts in one or more bank accounts in InstaPayUSA's name. Balances in US Dollars that are held in Pooled Accounts may be eligible for FDIC pass-through insurance.
Assignment of Interest to Insta Pay Escrow.You agree that you will not receive interest or other earnings on the funds that InstaPayUSA handles as your agent and places in Pooled Accounts. In consideration for your use of the Service, you irrevocably transfer and assign to InstaPayUSA any ownership right that you may have in any interest that may accrue on funds held in Pooled Accounts. This assignment applies only to interest earned on your funds, and nothing in this Agreement grants InstaPayUSA any ownership right to the principal of the funds you maintain with InstaPayUSA. In addition to or instead of earning interest on Pooled Accounts, InstaPayUSA may receive a reduction in fees or expenses charged for banking services by the banks that hold your funds.
Reversals, Rejections, and Acceptance. InstaPayUSA may reverse any entry if it believes, in its sole discretion, that the entry may be subject to dispute or reversal. You understand and agree that your request to transfer funds is final and irrevocable, that you have no right to reverse or stop such an entry once the entry is communicated to InstaPayUSA, and you hereby waive any right you may have of recourse against InstaPayUSA or to dispute or reverse a request to transfer funds. An Intra- InstaPayUSA funds transfer under this Agreement is the equivalent of sending cash to the recipient. InstaPayUSA has no obligation whatsoever to any proposed recipient of funds. In the event of any dispute between you and a funds recipient, you agree that such dispute will be settled between you and the proposed recipient, and you hereby indemnify and hold harmless InstaPayUSA against all liabilities, claims and damages incurred by and brought against InstaPayUSA by any third party arising out of this Agreement, including but not limited to reasonable attorneys' fees and costs. InstaPayUSA may reject any entry that does not comply with requirements outlined in this Agreement. We will notify you within 2 (two) business days from the day the rejected entry would otherwise have been transferred.
Warranties. EXCEPT AS OTHERWISE EXPRESSLY STATED IN THIS AGREEMENT, INSTAPAYUSA MAKES NO WARRANTIES, EITHER EXPRESS OR IMPLIED, OF ANY KIND. EXCEPT AS OTHERWISE EXPRESSLY STATED IN THE AGREEMENT, INSTAPAYUSA EXPRESSLY DISCLAIMS, AND YOU EXPRESSLY WAIVE, ANY AND ALL WARRANTIES, INCLUDING WITHOUT LIMITATION THOSE OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NO DESCRIPTIONS OR SPECIFICATIONS, WHETHER OR NOT INCORPORATED INTO THIS AGREEMENT, SHALL CONSTITUTE WARRANTIES OF ANY KIND.
3. Any and all claims or damages by you which are the result of theft, embezzlement, unauthorized use, transfer or withdrawal of funds with respect to your Account.
Entire Agreement. This Agreement and any amendment or supplement to this Agreement or other referenced agreements, all of which are incorporated into this Agreement, constitutes the entire agreement between the parties, and all prior or other agreements or representations, written or oral, are superseded by this Agreement.
Governing Law. This Agreement will be governed by and construed in accordance with the laws of the State of Utah, except where Federal law is applicable.
Jurisdiction/Waiver of Jury Trial. THE PARTIES AGREE THAT ALL PERFORMANCES AND TRANSACTIONS UNDER THIS AGREEMENT WILL BE DEEMED TO HAVE OCCURRED IN UTAH AND THAT YOUR ENTRY INTO AND PERFORMANCE OF THIS AGREEMENT WILL BE DEEMED TO BE THE TRANSACTION OF BUSINESS WITHIN THE STATE OF UTAH. YOU AND INSTAPAYUSA CONSENT TO AND AGREE THAT, THE EXCLUSIVE JURISDICTION AND VENUE FOR ANY DISPUTES HEREUNDER SHALL BE AN APPROPRIATE FEDERAL OR STATE COURT LOCATED IN SALT LAKE CITY, UTAH. YOU AND INSTAPAYUSA WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION CONCERNING ANY RIGHTS OR DISPUTES UNDER THIS AGREEMENT.
Construction. The headings used in this Agreement are inserted for convenience only and will not affect the interpretation of any provision. The language used will be deemed to be the language chosen by the parties to express their mutual intent, and no rule of strict construction will be applied against any party.
Assignability. This Agreement may be assigned by InstaPayUSA, but may not be assigned by you directly or by operation of law, without the prior written consent of InstaPayUSA. If you nevertheless assign this Agreement without InstaPayUSA’s consent, the Agreement will be binding on the assignee. If you sell your business, and the new owners incur fines, fees, or penalties, the original owner will be held personally liable for all fines, fees, or penalties, and any other liabilities of the new owners.
Attorneys' Fees. You will be liable for and will indemnify and reimburse InstaPayUSA for all attorneys' fees, with our without suit, court costs, collection agency fees not to exceed 50% of the amount owed, and other costs and expenses paid or incurred by InstaPayUSA in the enforcement of this Agreement, or in collecting any amounts due from you to InstaPayUSA or resulting from any breach by you of this Agreement.
Customer Contact. You authorize InstaPayUSA to contact your customers or their bank if they determine that such contact is necessary to find out information about any payment transaction between you and the customer. Also, you will provide to InstaPayUSA, upon InstaPayUSA's request, contact information for your customers as deemed necessary and reasonable by InstaPayUSA.
Amendments. This Agreement, and the Agreements and/or Policies referenced and incorporated herein may be amended, modified, or revised at any time, without notice. While InstaPayUSA may notify you as this Agreement and/or the Agreements and/or Policies referenced herein are modified, it is your sole responsibility to review and maintain familiarity with this Agreement and/or Agreements and/or Policies referenced herein, including any changes that may be made to these documents, respectively, from time to time thereto. The amendments to this Agreement and/or Agreements and/or Policies referenced herein will become effective and binding upon you immediately and contemporaneously as the amendments are published to the InstaPayUSA website(www.instapayusa.com or https://www.instapayusa.com). In the event you do not agree to the aforementioned amendments and do not wish to be bound the terms and conditions thereto, you shall provide written notice to Insta Pay Escrow (including by submitting to InstaPayUSA Customer Service at customerservice@instapayusa.com by providing your name, your current email address on file with InstaPayUSA, and a statement that you do not agree to the terms and conditions. If you do not agree to the terms and conditions of the amendment, your account will be terminated and closed. Notwithstanding the foregoing, (a) changes to fees authorized by this Agreement, will be effective upon the giving of notice to you and (b) any fee increase, change in Rules or other requirement imposed by NACHA may be passed on to you and will be effective upon the giving of notice to you.
Severability and Waiver. If any provision of this Agreement is held invalid, illegal, void or unenforceable by reason of any judicial decision, all other provisions of this Agreement shall nevertheless remain in full force and effect. No course of dealing, delay or failure to enforce any provision or exercise any right under this Agreement, by InstaPayUSA or Bank Partner(s) shall be construed as a waiver or estoppel of such provision or right, nor shall it amend this Agreement or affect the validity of this Agreement or curtail the ability of any party to enforce such provision or exercise such right in the future. All waivers must be signed by InstaPayUSA.
Independent Contractors. InstaPayUSA, Bank Partner(s), and You will be deemed independent contractors and none will be considered an agent, joint venturer, or partner of the other.
Survival. Sections of this Agreement and the applicable Exhibits in effect upon the date of termination shall survive termination of this Agreement.
Arbitration. Notwithstanding anything in this Agreement to the contrary, InstaPayUSA, bank sponsor(s) and you agree that any one of them (a "party") may require that any claim or dispute ("Dispute") under this Agreement shall be resolved exclusively and finally by binding arbitration, administered by the National Arbitration Forum ("NAF") and conducted under its rules, except as otherwise provided below. For the purposes of this paragraph, "Dispute" means any dispute, controversy, or claim arising out of or relating to this Agreement, negotiations leading to the Agreement, its interpretation, any act of any party related to the Agreement, or the breach, termination, applicability or validity thereof. The arbitration will be conducted before a single arbitrator, and will be limited to your Dispute. You may not bring a Dispute on behalf of others or join others in any similar claims (you may not bring or participate in a class action). As the parties to the Dispute agree, the arbitration shall be held in Utah by submission of documents, by telephone, online or in person. Any decision rendered in such arbitration proceedings shall be final and binding on each of the parties, to the Dispute and judgment may be entered thereon in any court of competent jurisdiction. Should any party bring a Dispute in a forum other than NAF, the arbitrator may award the other party or parties their reasonable costs and expenses, including actual attorneys' fees, incurred in staying or dismissing such other proceedings or in otherwise enforcing compliance with this dispute resolution provision. Each party understands that it would have had a right to litigate disputes through a court, and that each has expressly and knowingly waived that right and agreed to resolve any Dispute through binding arbitration. The parties intend that the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) shall govern this arbitration provision. Information on arbitration procedure may be obtained from the NAF on-line at www.arb-forum.com, by calling 800-474-2371 or by writing to P.O. Box 50191, Minneapolis, MN, 55405.
© 2019 InstaPayUSA. All Rights Reserved.

lowercased:
this agreement is made and entered into by and between instapayusa llc, and you, the instapayusa account holder.
certain definitions. in this agreement, the words "you" and "your" refer to the person or business who has applied for and accepted or used an instapayusa account, including any authorized user of the account. "instapayusa account" refers to the account set up by instapayusa that includes the capability to transfer funds electronically. "instapayusa," "we," "our," and "us" refer to instapayusa, llc., a utah limited liability company and its corporate partners or affiliates. "banking partner" refers to the bank sponsor through which instapayusa will submit any automated clearing house ("ach") electronic funds transfer request. "ach credit" refers to a transaction that electronically transfers funds to your account from an account at a financial institution, while an "ach debit" refers to a transaction which electronically transfers funds from your account to an account at a financial institution. "ach item" refers to an ach credit, an ach debit, or both. the words "intra- instapayusa transfer" refer to an electronic transfer of funds between any type of an account held with instapayusa and any other instapayusa account. the words "business day" means every monday through friday, except federal and utah state holidays. "affiliation" or "affiliation status" refers to the relationship between you and a third party entity with which instapayusa has entered into an agreement for special terms and/or pricing. the headings in this agreement are for convenience of reference only and will not govern the interpretation of the provisions hereof. unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
1. checking account. you must establish and maintain a checking account as described in your account profile to facilitate the transfer of funds. as part of this agreement, you irrevocably authorize instapayusa to debit your checking account for any fees, payments or penalties you owe or may owe instapayusa relating to ach or intra- instapayusa transactions. you authorize instapayusa to initiate reversal or adjustment entries and initiate or suspend such entries as may be necessary to grant you conditional credit for any entry. when registering a checking account in your account profile, you will be required to enter your bank name, the routing number of your bank, and your checking account number. once this information is entered, you will be required to validate that the routing number and checking account number are correct and that you have the proper authorization to access the account.
ach transactions. when you request instapayusa to transfer funds from your checking account to another checking account, you are requesting an electronic funds transfer through the ach system. by doing so, you authorize instapayusa to initiate, process, transmit, and settle through a banking partner, an ach debit or credit in the amount that you specify. you agree that your ach requests are accurate, timely, and have been authorized by the party into whose account the credit will be made, or by the party from whose account the debit will be made. your authorization will remain in effect after termination of this agreement and until instapayusa has received written notice terminating this authorization and all your obligations to instapayusa have been paid in full.
a. adherence to ach rules. you agree to be bound by the rules of the national automated clearing house association ("nacha") in effect as they may be amended from time to time. you also agree not to request an ach transfer that violates the laws of the united states, which include, but are not limited to, sanctions enforced by the office of foreign assets control ("ofac").
b. ach returns, rejections, cancellations, and acceptance.. you may be charged a fee for any ach transactions that result in a returned ach item, such as, but not limited to, those caused by insufficient funds in your checking account, closure of your checking account, or if the bank account number or other information you provided is incorrect. instapayusa reserves the right to resubmit for collection any ach item authorized by you that is returned instapayusa will notify you within 2 (two) business days of the receipt of a returned ach item.
upon written request, instapayusa will attempt to cancel an entry before transmitting it. however, instapayusa shall have no liability if the effect of cancellation fails.
instapayusa is not responsible or liable in any way for any entry not accepted by instapayusa banking partner.
c. provisional credits. all credits to your account resulting from an ach debit are provisional until final settlement is made through a federal reserve bank. if instapayusa does not receive final settlement, you will refund instapayusa the amount of any such entry.
d. accuracy of information. you acknowledge that if a financial institution name and number are incorrect or inconsistent, we may rely on the identifying number alone, even if the number identifies a financial institution, person, or account other than the one named.
e. fees.you will pay instapayusa fees for services in accordance with this agreement by reference under the fee structure. such fees will be calculated and debited from amounts due to you under the instapayusa account concurrently with transaction activity, or will be netted out from the funds due you under this agreement.
you will immediately pay instapayusa any amount incurred by instapayusa attributable to the transfer of funds pursuant to this agreement, including but not limited to non-sufficient fund fees, or other fees charged from any other financial institution for any amount you owe instapayusa under this agreement or under any contract now existing or later entered into between you and instapayusa.
f. transfer amount limitations. currently, instapayusa limits the amount you are allowed to transfer from your checking account to $10,000.00 per day. if you wish to increase the limitations allowed you must contact a customer service representative and an exception may be allowed on an individual basis.
for fraud and anti-money laundering purposes, instapayusa reserves the sole and exclusive right to review large electronic transfer of funds to or from your account before releasing the funds. instapayusa also reserves the right to refuse any transfer of funds at our discretion.
g. type of bank account required. you may only use a checking account of a financial institution located in the united states of america ("us") or us territories (puerto rico, guam, american samoa, and the us virgin islands). the electronic transfer of funds to or from a foreign bank or the branch of a foreign bank in a territory of the united states is also prohibited. the term foreign bank does not include: (i) a us agency or branch of a foreign bank; and (ii) an insured bank organized under the laws of a territory of the united states, puerto rico, guam, american samoa, or the us virgin islands. please ensure that the bank routing and the checking account numbers are correct or you may be subject to a fee. if you have any doubt as to the accuracy of the bank routing or the checking account numbers, please call your bank for verification.
balances.balance will be held in your instapayusa account for the benefit of others until such authorized releases. instapayusa will hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes and will not voluntarily make your funds available to its creditors in the event of bankruptcy. while your funds are in our custody, instapayusa will combine your funds with the funds of other users and place those pooled accounts in one or more bank accounts in instapayusa's name. balances in us dollars that are held in pooled accounts may be eligible for fdic pass-through insurance.
assignment of interest to insta pay escrow.you agree that you will not receive interest or other earnings on the funds that instapayusa handles as your agent and places in pooled accounts. in consideration for your use of the service, you irrevocably transfer and assign to instapayusa any ownership right that you may have in any interest that may accrue on funds held in pooled accounts. this assignment applies only to interest earned on your funds, and nothing in this agreement grants instapayusa any ownership right to the principal of the funds you maintain with instapayusa. in addition to or instead of earning interest on pooled accounts, instapayusa may receive a reduction in fees or expenses charged for banking services by the banks that hold your funds.
reversals, rejections, and acceptance. instapayusa may reverse any entry if it believes, in its sole discretion, that the entry may be subject to dispute or reversal. you understand and agree that your request to transfer funds is final and irrevocable, that you have no right to reverse or stop such an entry once the entry is communicated to instapayusa, and you hereby waive any right you may have of recourse against instapayusa or to dispute or reverse a request to transfer funds. an intra- instapayusa funds transfer under this agreement is the equivalent of sending cash to the recipient. instapayusa has no obligation whatsoever to any proposed recipient of funds. in the event of any dispute between you and a funds recipient, you agree that such dispute will be settled between you and the proposed recipient, and you hereby indemnify and hold harmless instapayusa against all liabilities, claims and damages incurred by and brought against instapayusa by any third party arising out of this agreement, including but not limited to reasonable attorneys' fees and costs. instapayusa may reject any entry that does not comply with requirements outlined in this agreement. we will notify you within 2 (two) business days from the day the rejected entry would otherwise have been transferred.
warranties. except as otherwise expressly stated in this agreement, instapayusa makes no warranties, either express or implied, of any kind. except as otherwise expressly stated in the agreement, instapayusa expressly disclaims, and you expressly waive, any and all warranties, including without limitation those of merchantability and fitness for a particular purpose. no descriptions or specifications, whether or not incorporated into this agreement, shall constitute warranties of any kind.
3. any and all claims or damages by you which are the result of theft, embezzlement, unauthorized use, transfer or withdrawal of funds with respect to your account.
entire agreement. this agreement and any amendment or supplement to this agreement or other referenced agreements, all of which are incorporated into this agreement, constitutes the entire agreement between the parties, and all prior or other agreements or representations, written or oral, are superseded by this agreement.
governing law. this agreement will be governed by and construed in accordance with the laws of the state of utah, except where federal law is applicable.
jurisdiction/waiver of jury trial. the parties agree that all performances and transactions under this agreement will be deemed to have occurred in utah and that your entry into and performance of this agreement will be deemed to be the transaction of business within the state of utah. you and instapayusa consent to and agree that, the exclusive jurisdiction and venue for any disputes hereunder shall be an appropriate federal or state court located in salt lake city, utah. you and instapayusa waive any right to trial by jury in any action concerning any rights or disputes under this agreement.
construction. the headings used in this agreement are inserted for convenience only and will not affect the interpretation of any provision. the language used will be deemed to be the language chosen by the parties to express their mutual intent, and no rule of strict construction will be applied against any party.
assignability. this agreement may be assigned by instapayusa, but may not be assigned by you directly or by operation of law, without the prior written consent of instapayusa. if you nevertheless assign this agreement without instapayusa’s consent, the agreement will be binding on the assignee. if you sell your business, and the new owners incur fines, fees, or penalties, the original owner will be held personally liable for all fines, fees, or penalties, and any other liabilities of the new owners.
attorneys' fees. you will be liable for and will indemnify and reimburse instapayusa for all attorneys' fees, with our without suit, court costs, collection agency fees not to exceed 50% of the amount owed, and other costs and expenses paid or incurred by instapayusa in the enforcement of this agreement, or in collecting any amounts due from you to instapayusa or resulting from any breach by you of this agreement.
customer contact. you authorize instapayusa to contact your customers or their bank if they determine that such contact is necessary to find out information about any payment transaction between you and the customer. also, you will provide to instapayusa, upon instapayusa's request, contact information for your customers as deemed necessary and reasonable by instapayusa.
amendments. this agreement, and the agreements and/or policies referenced and incorporated herein may be amended, modified, or revised at any time, without notice. while instapayusa may notify you as this agreement and/or the agreements and/or policies referenced herein are modified, it is your sole responsibility to review and maintain familiarity with this agreement and/or agreements and/or policies referenced herein, including any changes that may be made to these documents, respectively, from time to time thereto. the amendments to this agreement and/or agreements and/or policies referenced herein will become effective and binding upon you immediately and contemporaneously as the amendments are published to the instapayusa website(www.instapayusa.com or https://www.instapayusa.com). in the event you do not agree to the aforementioned amendments and do not wish to be bound the terms and conditions thereto, you shall provide written notice to insta pay escrow (including by submitting to instapayusa customer service at customerservice@instapayusa.com by providing your name, your current email address on file with instapayusa, and a statement that you do not agree to the terms and conditions. if you do not agree to the terms and conditions of the amendment, your account will be terminated and closed. notwithstanding the foregoing, (a) changes to fees authorized by this agreement, will be effective upon the giving of notice to you and (b) any fee increase, change in rules or other requirement imposed by nacha may be passed on to you and will be effective upon the giving of notice to you.
severability and waiver. if any provision of this agreement is held invalid, illegal, void or unenforceable by reason of any judicial decision, all other provisions of this agreement shall nevertheless remain in full force and effect. no course of dealing, delay or failure to enforce any provision or exercise any right under this agreement, by instapayusa or bank partner(s) shall be construed as a waiver or estoppel of such provision or right, nor shall it amend this agreement or affect the validity of this agreement or curtail the ability of any party to enforce such provision or exercise such right in the future. all waivers must be signed by instapayusa.
independent contractors. instapayusa, bank partner(s), and you will be deemed independent contractors and none will be considered an agent, joint venturer, or partner of the other.
survival. sections of this agreement and the applicable exhibits in effect upon the date of termination shall survive termination of this agreement.
arbitration. notwithstanding anything in this agreement to the contrary, instapayusa, bank sponsor(s) and you agree that any one of them (a "party") may require that any claim or dispute ("dispute") under this agreement shall be resolved exclusively and finally by binding arbitration, administered by the national arbitration forum ("naf") and conducted under its rules, except as otherwise provided below. for the purposes of this paragraph, "dispute" means any dispute, controversy, or claim arising out of or relating to this agreement, negotiations leading to the agreement, its interpretation, any act of any party related to the agreement, or the breach, termination, applicability or validity thereof. the arbitration will be conducted before a single arbitrator, and will be limited to your dispute. you may not bring a dispute on behalf of others or join others in any similar claims (you may not bring or participate in a class action). as the parties to the dispute agree, the arbitration shall be held in utah by submission of documents, by telephone, online or in person. any decision rendered in such arbitration proceedings shall be final and binding on each of the parties, to the dispute and judgment may be entered thereon in any court of competent jurisdiction. should any party bring a dispute in a forum other than naf, the arbitrator may award the other party or parties their reasonable costs and expenses, including actual attorneys' fees, incurred in staying or dismissing such other proceedings or in otherwise enforcing compliance with this dispute resolution provision. each party understands that it would have had a right to litigate disputes through a court, and that each has expressly and knowingly waived that right and agreed to resolve any dispute through binding arbitration. the parties intend that the federal arbitration act (9 u.s.c. §§ 1 et seq.) shall govern this arbitration provision. information on arbitration procedure may be obtained from the naf on-line at www.arb-forum.com, by calling 800-474-2371 or by writing to p.o. box 50191, minneapolis, mn, 55405.
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