The Impact Of Hawala On The Middle East, North Africa,...

The Impact Of Hawala On The Middle East, North Africa,...
Hawala
Hawala is a money transferring system that's used in places such as the Middle East, North Africa,
South Asia, and the idea is that a group of money brokers (Hawala dealers) rely solely on the honor
system to transfer large amounts of money between two places, or people, without raising any red
flags when it comes to law enforcement. As you can imagine, criminals have been able to take
advantage of this system to escape traditional banking methods. Hawala is a method of transferring
money without any actual movement of money to an intended destination. Hawala is subject to little
or no paper and electronic trail because the system is solely based on the trust and honor of another
human being and there is no traceable money from the ... Show more content on Helpwriting.net ...
To exchange banking transactions, each financial institution and bank must have a banking
relationship by either being a bank or affiliating itself with one in order to enjoy the much sought–
after business features.
C.H.I.P.S
C.H.I.P.S stands for Clearing House Interbank Payment System. It's a real–time multilevel payment
system. CHIPS handle more than 95% of US dollar foreign exchange payments and are subject to
paper and electronic trail due to the fact that the money can be traced. In one day, CHIPS settles 1.5
trillion dollars and currently CHIPS has a network of 50 Bank participants worldwide. Here is an
example of the working process for CHIPS: Client A purchases goods from client B and client B
requests for the payment. Therefore client A calls his bank and says "I need to pay 1 million dollars
to client B", and he gives the bank 1 million dollars. Now, client A's bank has to transfer 1 million
dollars to client B's bank. How does client A's bank transfer the money to client B's bank, you may
ask? Well the answer is through CHIPS. CHIPS will open a CHIPS account for each participant
(client A and client B) and the CHIPS account consists of a primary account and supplemental
account. The primary account is a funding requirement for each participant and the supplemental
account is the account for the payment. In this case referring to the example, client A's Bank will
transfer the money into his CHIPS
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Nonverbal, Interpersonal, and Textual Communication Worksheet
University of Phoenix Material
Nonverbal, Interpersonal, and Textual Communication Worksheet
Nonverbal communication plays an essential role in any conversation. Individuals who are aware of
nonverbal actions during conversations can more effectively interpret what is being communicated.
Look at the interactions between the individuals in the following photos and interpret what you
think is being expressed through nonverbal communication. Please describe the nonverbal cues that
lead you to these interpretations.
|[pic] |What is being said by both people nonverbally? |
| | ... Show more content on Helpwriting.net ...
I have been on a couple interviews and to me it |
| |is not professional to sit there with your arms folded. |
Compose responses to each of the following questions in separate paragraphs.
1. Which of the images demonstrates an interpersonal communication exchange? How can you tell?
Picture number three demonstrates an interpersonal communication exchange because interpersonal
communication is face–to–face communication with a person.
2. What types of interpersonal communication are being displayed in the images? Why?
Textual communication also plays a role in communication with others. It is important to recognize
that textual information may gain deeper meaning when the text is spoken or viewed in a specific
context versus when it is read.
Read the following quotes and interpret what you think is being expressed. Write 50 to100 words
per quote and support your responses. If you wish to include references, please format your
responses consistent with APA guidelines.
"Anger is an acid that can do more harm to the vessel in which it is stored than to anything on which
it is poured." – Mark Twain Wow. I must say I agree with this quote. I am known to have a bad

anger problem and sometimes the anger that I feel towards people hurts me a lot more than it does
them. I have sometimes had the worst pain inside of me because I was

Uniform Commercial Code Application
The check is a negotiable instrument and is honored by the bank to which it is drawn and in some
circumstances is endorsed by third party like discounting of bills of exchange. In this case, the issue
is discussed that whether the third party, a check cashing store qualifies as a holder of check in due
course and can collect the amount of check or not. Like bills of exchange, the checks is endorsed by
the third party who takes a certain amount while as fee and pays the cash and get the check cleared
from the bank at its own. This is happened in this case and briefly discussed and argued before the
court where the court gave its particular judgment and declared one check as legitimate while the
other was not.(Marson, 2011) Facts: A sale of investment of $ 75,000 was made by Rivera "financial
advisor" to Talcott & his companion Guarino to an old person of Massachusetts resident a ninety
three years old Talcott. No return was produced by the investment and Rivera, in a telephone call on
January 10 2000, demanded Talcott to send a check for $ 10,000 against travel expenses to obtain a
return on the investment and the check will have to be made out in the name of Guarino. Guarino
has a privilege of check encashment with Any Kind Checks Cashed, Inc. and became its customer
through his social security number and driver's license identification. He showed himself as a
broker. After some days on January 15, 2000, Rivera asked Talcott that the check's amount $ 10,000
was excessive

Description of the Different Systems Used in a Supermarket...
Description of the Different Systems Used in a Supermarket like Tesco and A Bank A super market
that I am going to write about is Tesco. Tesco is the largest food retailer in the world. Like other
many large super markets, Tesco has concentrated on building large out– of– town stores with petrol
stations, cafés and large car parks. Tesco was one of the first high– street stores to use a barcode
reader, which is now called a laser scanner. The objectives of the scanning system were to improve
the service to customers and to increase company productivity and profits. The scanning system uses
a barcode reader to read the barcodes on the goods. What it is actually doing is reading the numeric
... Show more content on Helpwriting.net ...
BENEFITS OF THE BARCODING SYSTEM TO THE COMPANY Sales– based ordering: sales
information from the checkout is used to create the orders for stock replacement. Improved
productivity: there is no longer a need to price each item individually. Prices are provided on the
front of the shelves on which the items are displayed. Weighing and pricing at the checkouts
eliminates the need for separate price points. Improved customer service: new services such as
loyalty cards, multisaver, etc. mean that customers enjoy a better service. Reduced stock levels:
more efficient stock control means lower stock levels are needed, so less money is tied up in stock
and there is less likelihood of running out of certain items on the sales floor. Improved checkout
currency: it is no longer possible for the till operator to key in the wrong price, so there are fewer
errors and less fraud. Faster and more efficient throughput: there is, on average, a 15 per cent saving
in time to register the goods in a shopping trolley compared with the manual system. Promotional
and sales analysis: scanned data can be used to effectiveness of special promotions and can provide
information about the sales of certain goods. Reduced wastage: perishable goods such as fresh meat
and salads can be

Bank : Kiting And Money Laundering
Bank: Kiting & Money laundering Banks could become victim to kiting. Kiting can occur within a
bank because criminals will open multiple accounts within multiple organizations in order to
commit kiting, and bank employees are not aware the criminal has already opened multiple
accounts. Banks also fall victim, as they do not detect kiting taking place until it is too late and the
high dollar checks come back as insufficient funds. Banks are able to prevent kiting from occurring
by placing a hold on checks over a certain dollar amount. This will ensure the funds are legit and
valid. Banks are also able to watch for multiple check deposits and checks written with the same
dollar amount. In addition, banks can require a bank officer's approval on any drawings against
uncollected funds, overdrafts, or wire transfers, they also should perform daily reporting of all drafts
against uncollected funds. Kiting can be deterred, however banks must ensure they have the proper
internal controls in place to ensure they do not fall victim to kiting.
Banks are susceptible to money laundering within the organization. Banks are an easy target for
money laundering because criminals or drug cartel can pay off bank employees or personnel in order
to run their money through the bank. Criminals also have the ability to purchase a controlling
interest in a bank, especially those banks with weak controls. This allows the criminals to move
money through the bank without being questioned.

Report on Investments of Export Import Bank Bangladesh...
1. Background of the report
After completing two semesters at University of Dhaka, under the Master of Business
Administration Curriculum, Mohammad Maruf Islam, author of this report was placed in Export
Import Bank of Bangladesh Limited, Shimrail Branch, Shiddirgonj, Narayangonj by the Human
Resources Division of EXIM Bank Ltd. as part of the internship program requirement. This report is
prepared for the internship program consisting of a major in depth study of the "General Banking
Activities of EXIM Bank Limited".
The internship program exercises a significant importance as it enables a student to familiar with the
practical business activities. The students work closing with the people of an organization and learn
about the function ... Show more content on Helpwriting.net ...
Hence it was little bit difficult for them to help within their high schedule. Time is an important
issue in report writing. As I have been given a specific dead Line for submission, observation and
learning all the banking operation within three month and also to prepare the report all along which
is really tough. Relevant data and document collection were difficult due to the organization
confidentiality. Non availability of data in a systematic way. Not enough data of year 2006 was
available as the bank's annual report of 2006 was not published at the time of preparing this report
Lack of fund – A study for any purpose requires a minimum amount to the investigator or the
researcher. But in this case the student had to pay for almost all expenses starting from stationary
transportation communication to the printing of the paper. Shortage of written material
In spite of all these limitations I have tried to put the best effort as far as possible.
1. Variables Covered
To complete this report I have followed a systematic study which include working, inspecting and
talking to the executives at different levels of the organization to know the present scenario of the
banking practice. Population: All the branches of EXIM Bank Limited in Bangladesh have been
taken into consideration as the population of this report. Sample: EXIM Bank limited; Shimrail
Branch has been selected as a sample of

Problems with E-Banking
–––––––––––––––––––––––––––––––––––––––––––––––––
SUBJECT : LAW 330: FINANCE LAW
–––––––––––––––––––––––––––––––––––––––––––––––––
:
TABLE OF CONTENTS PAGE
Problems with e–banking 3–4
The relevant statutes and cases 5
How the current legislations adequately 6 protect the consumers
References 7
QUESTION:
Analyse with relevant statutes and cases the problems with electronic banking
and how the current legislations adequately protect the consumers
overcoming these problems.
ANSWER:
The following are the problems with e–banking:
1. Time of payment:
The opportunity for a customer to countermand or stop electronic ... Show more content on
Helpwriting.net ...
Jakes paid back only $2,500 of the $100,000 before going into liquidation. ANZ brought an action
against Westpac to recover the overpayment, however Westpac sought to rely on the defence of
ministerial receipt. Bth parties acted on the basis of concessions made by Westpac that the reduction
of the overdraft anad the payment of certain cheques which could have been dishonoured by
Westpac at the time was notified of the mistake should be ignored for the purposes of determining
whether the moneys had been applied.
As a result of the concessions it was accepted by Westpac that it had not applied $17,021 of the
payment and that it was liable to return this amount.

2. Mercedes Benz v ANZ and National Mutual Royal Savings Bank Ltd (Part 2),
Mrs R was employed by the plaintiff as a payroll supervisor. By arrangement with the second
defendant, she was given forms for opening accounts for new employees of the plaintiff, and she
received cards and PINs for accessing those accounts. The plaintiff paid wages and commissions by
issuing a cheque in favour of NMRB who then credited the appropriate accounts.
There was virtually no supervision of Mrs R after her appointment, nor did the second defendant
ever question the creation of accounts. Mrs R defrauded the plaintiff company using several
different schemes. For the purposes of the present note, the relevant scheme was to create accounts
in fictitious

Seniors ' Guide : Online Banking
Seniors' Guide to Online Banking.
Welcome to the first edition of the Seniors' Guide to Online Banking. Seniors represent a growing
population of loyal customers in most financial institutions in the Province of Saskatchewan and
even the country as a whole. Unfortunately most seniors have not been able to cope up with the rate
of technological changes in the Banking Industry. The sad thing is that almost all financial
institutions treat seniors just like generation X and Y folks when it comes to the use of Digital
Banking. Seniors need special care and treatment in this area.
It is true that banks have done very well by improving banking products and making them accessible
to all especially to seniors. This has become very popular and a ... Show more content on
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And what one has to do after using online banking
Section B: deals with the basic step by step process to access popular banking products such as
Paying Bills Online
Making eTransfers
Making Cheque Deposits
Setting up Alerts on your Accounts
Changing password and security questions
Section C: deals with the common frauds associated with online banking and how to prevent it
Topics such as the following as discussed
Social Engineering
Phishing
Credit Card fraud
Identity theft and fraud
Advance Fee Fraud
ONLINE BANKING
Online banking also known as internet banking, e–banking, or virtual banking, is an electronic
payment system that enables customers of a bank or other financial institution to conduct a range of
financial transactions through the financial institution 's website. The tools commonly used are
computers, smartphones and in a limited sense telephone.

It is faceless and borderless in that you do not see or interact with Bank staff as it is in the traditional
systems. The transaction can also be done anywhere and anytime without any restrictions. All you
need is either smartphone or a computer.
The good news is that almost all the popular banking products are also available online. You can pay
bills, view your account balances, and locate ATMs, transfer funds and even deposit cheques, all at
any time to your convenience. In short, it is fast, safe, flexible, convenient and secure.
Looking at the

Discussion of the Concept of a Cashless Society and the...
Discussion of the Concept of a Cashless Society and the Assertion that We Will Become One
A cashless society is one of those things that is vastly becoming more popular and is beginning to
replace having to go into a shop for example and pay with money that you have stuffed into your
wallet. With the creation of bankcards paying is now much easier and a lot safer as you now just
swipe your care on special machines assigned to the card and it immediately credits the amount
from your bank it simple. However there has been much controversy over these cares whilst many
people believe the cash card system is less time consuming, easier to use, fits into your wallet can
easily be cancelled and stopped ... Show more content on Helpwriting.net ...
You can rent movies for delivery to your home or apartment via Netflix. You can order whole meals
online for delivery to your home. The list stretches on, and most all of these services and
transactions can take place without
Physical currency ever exchanging hands. Despite all the pros, the rise of a cashless society does
have its cons â€ nevertheless; the future is portrayed by some experts as being as shiny as the
reflection off your MasterCard. In theory, a cashless society stretches back to the creation of the
traveler's check, a financial tool. TravelerÂ's checks are a safe and important factor in our life for
going on holiday. TravelerÂ's checks mean that money if lost can easily be replaced by attending a
local bank and getting them replaced all travelerÂ's checks are slips of paper which count as your
money most shops accept them and they are very affective. ItÂ's not too much of a leap to see
consumers swiping debit and credit cards by the hundreds every day at any number of local eateries,
including Subway, mc DonaldÂ's, the crispy cream chain and dozens more. Bank of America issued
the first bank–related credit card, BankAmerica (now known as Visa) in 1958 and by the early
Sixties; more companies were offering credit cards as timesaving devices rather than forms of credit.
Asking around I managed to find out that about 60 percent of people agree with the

Catch Me Research Paper
Do you remember when you were a child you would play make believe or pretend. When you would
fly your toy plane in the air with your hand saying "This is your captain speaking," or when you
would play doctor with your brother or sister having to operate to save them from a scrapped knee.
One man actually fulfilled those childhood fantasies. He goes by numerous names, (Frank Connors,
Frank Adams, and Frank Williams); however, when he wasn't playing pretend he is known as Frank
Abagnale Jr. In the book "Catch Me if You Can: A True Story about a Real Fake" he reflects on the
days he worked as an Airline Pilot, Physician, college teacher, and even an Attorney. You may think
of him as a genius, and you would probably be correct, however he actually never went to college,
in fact he never graduated High School. To begin to understand who Frank Abagnale is we will start
by looking at what could be considered his four biggest cons, and then lastly talk about how he
turned his life around, started becoming a real person, and finally how he has an impact on almost ...
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Litster. Frank almost immediately had a huge impact on how the checks in that bank were handled,
for example he had the bank use something called Positive Pay which is a check matching service,
which stops almost all altered checks from being cashed. And he also wanted the bank customers
use high security checks. However they did not exist at the time, so Abagnale and Litster designed
the first true high security check called the SAFECheck. Over the next three years fraud dropped in
that bank by 95%. Says Safechecks.com. Visa later combined with SAFECheck, says
businesswire.com. So what this means, is that if you either have checks directly through
SAFECheck, or through Visa, you will most likely not have to deal with check

Study of Deposit Mobilization in State Bank of Inida
Summer Internship Report
On
STUDY OF DEPOSIT MOBILIZATION IN STATE BANK OF INDIA
[pic]
Submitted in the Partial fulfillment of the requirement of the degree of Post Graduation diploma in
Management
By
Lakshmi K.S
Reg No. DSBSPGDMA09023
Under the guidance of
Company Guide Faculty Guide
Mr. Ramananda Prof. K.V. Ramanatham Branch Manager DSBS
SBI Bangalore Kumara Swamy Layout
[pic]
Dayananda Sagar Business School
Bangalore
2009–2011
STUDENT'S DECLARATION
I hereby declare that ... Show more content on Helpwriting.net ...
Collection of primary data includes methods such as observation and personal methods. Personal
interview and discussion will be made with manager and other personnel in the organization for this
purpose.
Collection of secondary data includes methods such as data from the official website of State Bank
of India and other related sites. Various sources are: o Internal files & materials
o Websites –www.sharekhan.com
www.indiainfoline.com
www.sbi.co.in

www.investopedia.com
BANKING INDUSTRY OVERVIEW
INDUSTRY OVERVIEW
History:
Banking in India has its origin as carry as the Vedic period. It is believed that the transition from
money lending to banking must have occurred even before Manu, the great Hindu jurist, who has
devoted a section of his work to deposits and advances and laid down rules relating to the interest.
During the mogul period, the indigenous bankers played a very important role in lending money and
financing foreign trade and commerce. During the days of East India Company, it was to turn of the
agency houses top carry on the banking business. The general bank of India was the first joint stock
bank to be established in the year 1786.The others which followed were the Bank of Hindustan and
the Bengal

Electronic Cheques Are Electronic Copies Of A Regular...
Electronic cheques are electronic copies of a regular cheque. You are only able to pay with an
electronic cheque by sending an e–mail of it to pay for the item you want. Electronic cheques are
not the most common method of payment for customers as they are often sent to businesses and
companies although they are able to be sent from person to person through a site such as eBay.
Electronic cheques are also signed off digitally by the person/business receiving the cheque to
confirm the receiving of the cheque.
Electronic cheques allow users of e–commerce to pay with an electronic cheque, as an alternative
payment option rather than using a credit or debit card to purchase goods online. Electronic cheques
are more common in the US than in the UK, where credit and debit cards are used by the masses.
Electronic cheques give business, universities, private companies and personal online sellers the
ability to let their customer make an online payment by e–mailing their cheque to the
business/person so they have their payment for their product. E–commerce has allowed for this new
method of payment that has never been used previously by the public and now adds a new type of
convenient payment method for non–credit/debit card users and customers who prefer not to give
their bank details to PayPal or another online banking account.
Electronic cheques however have their negatives, such as the time in which it takes for the
transaction to take place. It can take up to a couple of days

Essay on Computer Forensics Case Projects Chapter 2
Case Project 2–1 * Receive the equipment from the Seattle Police Department with the chain of
custody form * Enter my company information on form and secure the evidence * Request
statements from officers on the condition of the computer on time of raid * Request a list of
keywords to search * Transport Gateway computer to our secured forensics lab * Prepare a forensics
workstation specifically for this case * Make two images of hard drive using two different tools *
Examine drives for evidence by running keyword searches and checking URL's for Internet
searches. * Search registry for keywords * Identify specialty applications * Organize and
consolidate in file and folders all recovered data ... Show more content on Helpwriting.net ...
When was the last time she accessed her computer? What is her background in computers, what is
her skill level? I need some background on the former employee, her computer habits and activities
prior to the files being found on her computer. I must collect digital evidence while keeping the data
unaltered, first thing. This data will be used later in the prosecution of the case. This can be done
through calculating and recording an evidence file. Next is imaging of the computer media with a
write–blocking tool. I must keep the chain of custody. The computer's RAM is examined for
evidence. During the examination step, verify and catalog the presence and integrity of the original
evidence and any copies. An analysis is made with specialized equipment to find out exactly what's
stored on the digital media. This includes a manual review of all materials found on the media, a
review of the Windows registry, techniques to crack passwords and retrieve protected data, keyword
searches and extraction of email and pictures for further review.
Case Project 2–4 I would inform the employee that I can recover the files and the employee would
need to fill out a form letting me know the exact names of the files missing. The first step in data
recovery is to question the client. It is important to find out what operating system the employee is
using and if it was a laptop or a desktop. By asking what programs/applications the

Kcdfs Vxvxv
THE AHMEDABAD DISTRICT CO–OPERATIVE BANK LTD.
NEAR GANDHI BRIDGE, OPP.INCOME TAX OFFICE, ASHRAM ROAD,AHMEDABAD –
380009.
TEL NO.27542608–09–10–11, FAX NO.(079) 27541651
(REG NO. 3896–7 DATED 09–03–1925)
BRIEF HISTORY OF THE BANK
This bank was originally registered as the Dascroi Taluka Co–opearative Federation in 1922.The
above federation was financed by the Apex Bank for on–lending to the affiliated societies. In year
1925,the federation was given name of Dascroi Co–operative Union and objects of this union were
identical to that of the District central Co–opearative Bank, and subsequently in 1937 amendments
were made in the bye–laws of the union and the bank started working as Ahmedabad Central Co–
operative Bank Ltd. This bank ... Show more content on Helpwriting.net ...
To augment the profits of the bank has stated non–farm advance since 1999. There is a gradual
increase in Non–farm advance. The maximum individual loan limit is Rs.20.00 lakh and Rs.12.00
lakh in urban and rural areas respectively. Our investment in Government Securities as on 31–3–
2009 is Rs.11110.54 crore.
Ahmedabad is a Mega Industrial city and Gandhinagar is State Capital, therefore, there are number
of salary–earners and urban credit co–operative societies in our jurisdiction. There are good number
of urban co–operative banks in Ahmedabad and Gandhinagar districts,of which 82 urban co–
operative banks are members of our bank, out of which 23 urban co–operative bank are our sub–
members in clearing house.
Shri Ajaybhai Patel who has been elected unopposed for the last three tems, on assuming the chame
for the first time as a Chairman on 06–01–2003, introduced action plans to improve the profitability
of the bank and impressed upon the importance of recovery in NPAs. Under his leadership for the
first time in the co–operative sector in the State "Lok Adalat" was used to settle chronically overdue
accounts and it received good response from the borrowers.
The staff of the bank was given training and seminars were organised to improve their
knowledge/working capabilities. As a result during the year there was considerable improvement in
mobilization of low cost deposits and increase in

Humorous Wedding Speech by the Best Man Essay
Humorous Wedding Speech by the Best Man
When Daniel came to me and asked me to be his best man, it was a great honour but, when I looked
at all the duties required of me, I felt he'd be better off choosing someone else. Then he offered me a
fifty, but I told him that it wasn't a decision that money could change. So then he offered me a
hundred.
Anyway, good evening Ladies and Gentlemen – My name is Rob and it's my pleasure to be Daniel's
best man today.
So let me tell you about all those best man duties that originally concerned me, because I was
immediately stumped by the first one: 'ensure that the groom's face and hair are in order.' Well
Daniel, I have to say that if nature didn't get them in order the first time around, ... Show more
content on Helpwriting.net ...
Now, I hope you also noticed that, as well as on time, the bridegroom arrived sober – another
achievement which shouldn't be underestimated. Because Daniel does enjoy a drink from time to
time, and at one point he even attempted to brew his own beer. Now most people would use berries,
fruits or flowers to produce alcohol. But Daniel was the first to try fermented goats milk. He
believed his beer would have nutritive value and while you may not find his brew on the off license
shelves, you will still find it bubbling away in Daniel's bedroom. I just hope he hasn't brought a
barrel of it along today in attempt to save a few quid.
Which reminds me, I was astonished to learn, that by tradition, I am supposed to bring a cheque
book or credit card to settle any payments the bridegroom may have forgotten. I wasn't too happy
about this, because everyone who has ever lent Daniel money has one thing in common ... nothing!
Kim, if ever you need the house to yourself or some time apart from Daniel, just lend him some
money – you won't see him for days.
The most enjoyable best man duty is of course arranging the stag weekend. And I'm delighted to say
that it passed without incident or disaster – or at least that's what I thought until the hotel returned
my deposit, minus a £50 cleaning fee for room 27 and a complimentary plastic mattress cover. There
were 12 of us on the trip and

My Goals For A New Employee
One of my goals during this externship was to officially train a new employee. I finally received this
opportunity on Monday February 2. We welcomed a new employee to The Courtyard last week and
I was in charge of training him Monday night during the 3–11 shift. He moved from California
where he worked at a Courtyard for a few years. Since it had been approximately a year since he left
the Courtyard in California I knew that he would be a little rusty at working FOSSE, our POS
system at the Courtyard. My manager told me to mainly focus on educating him on the different
types of rooms that we have at our property and to send him on errands when guests ask for items
such as extra towels so that he could get a feel for our layout. The new ... Show more content on
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After that we filled out our call around clipboard where we put our rate and occupancy percentage.
While we were completing these tasks we had numerous guests check in. My new coworker took
the initiative and checked in a couple of guests by himself. He informed me that for him operating
FOSSE was basically like riding a bike. He remembered how to do almost everything on FOSSE. I
asked him if he had any questions about how we do things at our hotel and how I could best help
him. He told me that since while he was very familiar with FOSSE there were still a few things that
he needed to refresh his memory on. He also asked me during slow times during our shift to go over
the different rooms that we have and the hours of operation for our bistro, fitness center, and bar. I
went over all of that information with him. Then he told me that he needed help with third party
reservations. Third party reservations are reservations from online websites such as Priceline,
Expedia, or Booking.com. The way you check third party reservations in is completely different
from the way you check–in standard reservations. With third party reservations you only want to
swipe guest's credit cards for incidentals. If you make a mistake and swipe in the payment field it
causes a lot of problems for the guests and our managers. I explained to him how Expedia is a direct
bill account and showed him

Overview Of The Banking Industry Essay
1 OVERVIEW OF THE BANKING INDUSTRY
Introduction
India's banking sector has grown very fast over these years. India has a large web of banking it has
26 public sector banks, private sector consists of 20, and there are 43 foreign banks which is a good
sign for banking sector. Also it consists of 61 regional banks. There has been a noticeable expansion
in dealings through ATMs, and also with internet and mobile banking banks has shown tremendous
growth.
Indian Parliament in 2012 passed a bill know as (Banking Laws Amendment bill) which has made
banking easy in India and also opened doors for the entire world. This bill states that RBI is the only
body to make decisions regarding banks and it's the responsibility of RBI to make rules for banks.
In coming years the banking sector is estimated to generate up to 20 million jobs, with the help of
RBI and Indian government. Also, old way of doing banking operations will go gradually with the
modern technology. So banking sector is playing important role in Indian economy and also we will
play in the future.
2.1.2 Market size Banking assets in India reached up to US$ 1.8 trillion and in future it will cross
US$ 28.5 trillion in FY25.
Private sector saw huge growth in personal loan and credit cards in 2014. Banks like ICICI had
14.5% growth in personal loan disbursement in financial year 2014. Also Axis bank loan business
had a growth auto 49.6% and its credit card business rose up to 31. %
Banking

Lo Loan For Salt Production Essay
Loan to Diagnostic Centers
Loan to Travel Agencies
Loan for Salt Production
3.0 Services
3.1 Financial Services (Inland Remittance)
Demand Draft (DD)
Telephonic Transfer (T.T )
Mail Transfer (M.T )
JB remittance payment system (Deposit/ withdrawal from any branch)
3.2 Financial Services (Foreign Remittance)
Online Speedy Remittance
Maintaining NRT Account
Foreign M.T.
Foreign Remittance
Foreign Demand Draft
Collection of Draft, Cheque, TC
Foreign Currency Endorsement
3.3 Other Financial Services
Pay Order
Pay Slip
Security Deposit Receipt (SDR)
4.1 Utility Services
Gas Bills Collection
Electricity Bills Collection
Telephone Bills Collection
Water/Sewerage Bills Collection
Municipal Holding Tax Collection
Port Bill Collection
Land Rent Collection

4.2 ATM Service
Cash withdrawal
Balance inquiry
Mini statement of accounts
Point of Sale (POS
Welfare Service
Payment of Non– Govt. Teachers' Salaries
Payment of Primary and Secondary Girl
Students Stipend
Payment of Army pension/Civil Pension
Payment of Widows, Divorcees and Destitute
Women Allowances Payment of Old–age/ Disabled Allowances
Food procurement Bills
Issuance of Television License
4.4 Service to the Government
Sale of Prize Bond
Sale of Wage Earners Bond (W.E.B)
Sale of SanchayPatra (S.P)
VAT collection
Tax collection
Excise duty collection
4.5 Other Service
Locker Service
SMS banking
Sale of Lottery

Loan Disbursement and Recovery System of Ific Bank Limited
"Loan Disbursement and Recovery System of International Finance Investment and Commerce
Bank Limited"
Internship Report
"Loan Disbursement and Recovery System of International Finance Investment and Commerce
Bank Limited"
Submitted to: Md. Shajul Islam
Assistant Professor
Department of Business Administration
Stamford University Bangladesh
Submitted by:
Md. Razib Ahamed
ID No: BBA 03712192
An internship report submitted in partial fulfillment of the requirement for the Degree of Bachelor
of Business Administration
15th March 2012 Stamford University Bangladesh Letter of Transmittal
March 12, 2012 ... Show more content on Helpwriting.net ...
I also admire all the personnel of IFIC Bank Limited, Stock Exchange Branch for their co–operation
and cordial assistance to me. I am also grateful to the HRD of IFIC Bank Limited for granting me
the opportunity to make my internship program in this organization.
I am grateful to all the respondents of the other officials of this branch of IFIC. Though I was
unknown to them, they helped me to gather my expected information. Their valuable judgments
allow me to find out the real information regarding their expectations and perception regarding the
bank.
Last but not the least, a big "thanks" goes to my faculty advisor, Md. Shajul Islam for taking the
time to guide my efforts and to offer me with helpful hints and useful advice.

I express my overall gratitude to all the persons who have been involved in assisting me to complete
my report.
Table of Contents
Chapters and Content Page No.
Executive Summary 1
1. Introduction 2–6
1.1 History of Incorporation of IFIC Bank Ltd. 3 1.2 Origin of the Report 3–4 1.3 Objective of the
Study 4 1.4 Methodology of the study 5 (I) Primary Data Collection 5 (II) Secondary Data
Collection 5 1.5 Limitations of the Study 5–6
2. Overview of the Bank 8–14
2.1 An overview of IFIC Bank Ltd 2.2 Mission and Vision of IFIC Bank Ltd. 8 2.2.1 Banks Mission
8

Electronic Banking System in Nigeria
Guaranty Trust Bank Plc over more than two decades has distinguished itself as a leading institution
and a major contributor to the economic advancement in Nigeria.
Guaranty Trust Bank Plc with its headquarter at Victoria Island, Lagos as at December 2011 had an
operating income of N141.729 billion, net income of N52.654 billion, total asset of N1,525.010
billion and a total equity of N235.911 billion and it had more than two thousand,five hundred
employees in Nigeria. Its subsidiaries include Guaranty Trust Assurance Plc, GTB Registrars Ltd,
GT Homes Ltd, GTB Assets Management Ltd, and GTB Finance B.V Netherlands. Guaranty Trust
Bank has over 160 branches in Nigeria and runs nationwide more than 230 ATMs. As one of the first
banks in ... Show more content on Helpwriting.net ...
Also imagine a man so busy at work in Ibadan taking just three minutes break to log on to the
website of his bank and transfers some fund directly from his account into that of his daughter
schooling in Abuja and within another two minutes, the daughter recieves a notification of the
amount credited to her account to which she has full access, note that all the banking transactions
took just five minutes to complete irrespective of the distance between the entities involved. All
these can only be made possible through the adoption and inception of electronic banking system in
a nation.Customers in developed countries enjoy faster and easier service but this modern banking
system has not been fully adopted in developing nations like Nigeria.
Another issue is the security challenges that electronic banking system is presently faced with in
Nigeria. Most of the older customers are not so familiar with the card payment system and how to
keep the card from fraud perpetrators now to talk of knowing its benefits.
RESEARCH QUESTIONS
Considering Guaranty Trust Bank Plc, Nigeria as a case study,this present research questions were
processed to solve the problems associated with the adoption of electronic banking in Guaranty
Trust bank and the banking industry in general in terms of connectivity to the internet.
The

Security Breach Of Banking Industry And Retail Business
Security Breach in Banking Industry and Retail Business
Financial technologies play a significant role in modern banking system. Most of us are familiar
with internet banking and mobile banking. These technologies allow us to access our accounts,
transfer funds, pay for our purchases, and even apply for a loan without leaving a house or an office.
In addition, most of us prefer to pay for our purchases with a quick swipe of a credit or a debit card.
No doubt, it is more convenient than caring and counting cash every time we go to a store. But,
unfortunately all these technologies come at a cost. Time to time, we hear news about another
security breach in the banking system or retail business, when customers' personal information is ...
Show more content on Helpwriting.net ...
For example, in April of 2013, "Bank of America sent out alerts saying they disabled several area
cards out of fear that account information may have gotten into the wrong hands" ("Bank of
America Alerts Customers of Security Breach." CBS St Louis). The spokesman for the bank said:
"We have not heard of anything specific, but I can tell you that we, along with other banks,
periodically receive alerts from the payment networks about cards that may have been compromised
at a third–party location"( "Bank of America Alerts Customers of Security Breach." CBS St Louis).
In May of this year, several residents of Lawrence County in Missouri reported "that their
Commerce Bank debit cards had been compromised following a security breach over the weekend.
Carl Bradbury, director of consumer card product for Commerce Bank, said that about 1,500
customers in various states were affected by a "merchant's" security breach" (Doombos, Caitlin.
"Lawrence Residents Report Commerce Bank Debit Cards Compromised in Security Breach."
LJWorld.com.). Bradbury also added, that "security breaches in the banking industry are not rare.
He noted about '60 to 80 breaches are going on' at any given time" (Doombos, Caitlin. "Lawrence
Residents Report Commerce Bank Debit Cards Compromised in Security Breach." LJWorld.com).
In almost 80 percent of cases, banks notify customers of

Essay on LAW4198 Australian Commercial Law
LAW4198 Australian Commercial Law Exam Notes Formation of contracts 1. Agreement Offer
Offeror/promisor = person making the offer. Offeree/promisee = person to whom the offer is made.
Characteristics of an offer Offer: Proposal; Invites acceptance; With a willingness to enter into a
contract upon acceptance. An offeror will have made an offer where it appears to a reasonable
person in the position of the offeree that an offer was intended. Subjective intentions are irrelevant.
Examples Invitations to treat: An invitation to others to make offers or enter into negotiations;
Display of goods for sale (customers make an offer when they present the items to the cashier. There
is no sale until the cashier accepts that offer; Boots ... Show more content on Helpwriting.net ...
Electronic communication Email and Interactive websites i. Virtually instantaneous  general rule
should apply (ie. contract is formed when the offeree's acceptance is received by the offeror; per
Lord Wilberforce in Brinkibon)4; ii. Time of receipt governed by Electronic Transactions Act 2000
(Vic): 'Electronic communication' = a communication of information in the form of data, text or
images (s 3(1)(a)). 'Information system' = a system for generating, sending, receiving, storing or
otherwise processing ECs (s 3(1)). If the recipient has designated5 an information system for the
purpose of receiving electronic communications, then, unless otherwise agreed, time of receipt =
time when the EC enters the IS (s 13(3)); If the recipient has not designated an information system
then, unless otherwise agreed, time of receipt = time when EC comes to the attention of the
addressee (s 13(4)). 2. Consideration Essential elements When is consideration required? A's
promise to B can only be enforced by B if B has given consideration for that promise; An agreement
not supported by consideration on both sides is nudum pactum ('a naked agreement') and
unenforceable. Elements 1. Benefit/detriment requirement; Promisee must incur a detriment or
confer a benefit on the promisor (Currie v Misa). Examples: Mutual promises: If B makes a promise
in return for A's promise, this will confer a benefit on A (because A will have an enforceable legal
right to have the promise

E Banking Revolution World Over Banks Essay
In this developing economy there are not many inventions that has changed the business of banking
,as much as e–banking .E–banking revolution world over banks are reorienting their business
strategies behaviour and thus bring about new possibilities..E–banking has enabled bank to scale
borders, change strategic behaviour and thus bring about new possibilities .E–banking is concerned
about the neo classical economic theories of market functioning .due to absolute transparency of
market , clients(both business as well as retail)can compare the services of various banks more
easily. for example ,on the internet the competitors are not at distance but they are only one click
away. if the clients are not happy with the products and services of the particular bank ,they are able
to change their banking partner much more easy than the physical or real clients relationship. From
the bank point of view use of internet has reduced the operational costs of the banking operation .As
discussed by Turner(2001),progress in information technology slashed the cost of processing
information ,while the internet has facilitated its transmission ,thus facilitating in the very essence of
the banking business. Around the world electronic banking services, whether delivered online or
through other mechanism have spread quickly in recent years.
FUNCTIONS OF E–BANKING
INQUIRY ABOUT THE INFORMATION OF ACCOUNT
The client want to know about their own account information such as

Atm Machine
An automated teller machine or automatic teller machine (ATM), also known as an automated
banking machine (ABM) in Canada, and a Cashpoint (which is a trademark of Lloyds TSB), cash
machine or sometimes a hole in the wall in British English, is a computerised telecommunications
device that provides the clients of a financial institution with access to financial transactions in a
public space without the need for a cashier, human clerk or bank teller. ATMs are known by various
other names including ATM machine, automated banking machine, and various regional variants
derived from trademarks on ATM systems held by particular banks.
Invented by John Shepherd–Barron, the first ATM was introduced in June 1967 at Barclays Bank in
Enfield, ... Show more content on Helpwriting.net ...
Gentile and Jack Wu Chang, underUS Patent # 3,833,885. On September 2, 1969, Chemical Bank
installed the first ATM in the U.S. at its branch in Rockville Centre, New York. The first ATMs were
designed to dispense a fixed amount of cash when a user inserted a specially coded card. A
Chemical Bank advertisement boasted "On Sept. 2 our bank will open at 9:00 and never close
again." Chemicals' ATM, initially known as a Docuteller was designed by Donald Wetzel and his
company Docutel. Chemical executives were initially hesitant about the electronic banking
transition given the high cost of the early machines. Additionally, executives were concerned that
customers would resist having machines handling their money. In 1995, the Smithsonian National
Museum of American History recognised Docutel and Wetzel as the inventors of the networked
ATM.
ATMs first came into use in December 1972 in the UK; the IBM 2984 was designed at the request
of Lloyds Bank. The 2984 CIT (Cash Issuing Terminal) was the first true Cashpoint, similar in
function to today's machines; Cashpoint is still a registered trademark of Lloyds TSB in the UK. All
were online and issued a variable amount which was immediately deducted from the account. A
small number of 2984s were supplied to a US bank. Notable historical models of ATMs include the
IBM 3624 and 473x series, Diebold 10xx and TABS 9000 series, NCR 1780 and earlier NCR 770
series.

Overdraft Advantages And Disadvantages
Open best overdraft bank accounts
An overdraft is a momentary facility extended with a loan provider to corporates and other clients to
withdraw money from their profile more than the total amount. This service is provided by the
lender for a cost and interest is priced on the surplus amount that is withdrawn for the distance of
that time period. It's important to know advantages and negatives of the lender overdraft facility to
be able to make use of it effectively. Always apply for bank account with overdraft that should be
excellent to enjoy the exclusive benefits. Some banks allow you to apply for overdraft.
An overdraft allows the service holder to withdraw money from the bank account despite having no
balance. There is generally a limit on the ... Show more content on Helpwriting.net ...
It's possible for the chargeback and associated cost to cause an overdraft or leave inadequate funds
to protect a subsequent drawback or debit from the merchant's bill that received the chargeback. The
overdraft on credit card is also available.
Bank or investment company fees:
The lender charges a cost surprising to the consideration holder, creating a poor balance or departing
insufficient money for a succeeding debt from the same or the overdraft bank account.
Participating in the float:
The accounts holder makes an overdraft while inadequate funds can be found in the accounts
believing he'll have the ability to deposit sufficient cash prior to the debit clears. Even though many
cases of participating in the float are finished with honest intentions, enough time mixed up in
cheque's clearing and the difference in the handling of debits and credits are exploited by those
committing check kiting.
Returned check first

The Film Catch Me If You Can Accurately Show Frank...
Does the film Catch Me If You Can accurately show Frank Abagnale Jr's crimes? I believe the
movie glamorized Frank's crimes and made them a little bit better than they actually were, of course
you can expect this from Hollywood. Frank Abagnale Jr. made a lot of mistakes as a teenager. He
was trying to make a life for himself out in the real world and be able to make money. Frank was
determined too, he could think of amazing ways to make a buck. Which eventually led him to
posing as a teacher, doctor, pilot on a commercial airline, CIA agent, and a lawyer. He also
committed many different kinds of crimes including cashing fake checks at hundreds of different
banks all across the world, printing fake checks, unlawfully obtaining private information and a
plethora of other felonies. The list goes on and on, but comparing the events that took place in Catch
Me If You Can to what actually happened in real life, the film made a numerous amount of mistakes
in that aspect. They shot scenes that didn't accurately show the details of his crimes but got the main
idea. They do this to make the movie a lot more appealing to the viewers. Which isn't a surprise, but
knowing the true facts about this con man's story is appealing enough. It is believed that Catch Me If
You Can, as a whole, changed Frank's story and the details about his crimes. There was a lot of
uninformative and inaccurate information that was displayed as Frank Abagnale's true story in the
movie, the film makers

Tension in Witch's Money Essay
Tension in Witch's Money
In John Collier's "Witch's Money," the stranger who suddenly appears in a remote mountain village
in Spain is initially seen by Foiral as an unwelcome madman. Certainly his surrealist description of
the landscape must seem a symptom of insanity to one unfamiliar with the trends of modern art.
Once he offers a nice sum of money to buy Foiral's house, however, the stranger is treated with a
new attitude. He is still not completely accepted by the community that he has moved into, but he
does wield a new type of power simply because only he can produce cash from paper billets. With
his magic cheques, though, the stranger creates a tension that grows into an economic struggle
between himself and his community. ... Show more content on Helpwriting.net ...
This knowledge of cheques that the stranger has over Foiral and the community increases the
tension between them. When Foiral finally receives his money from the cheque, he is under the
impression that all cheques give thirty thousand francs. Knowing that the stranger has a whole book
of cheques, Foiral and his friends immediately feel jealous of the outsider: he has something that
they want. A stranger –– a madman –– who has more than any member of the community, has
invaded their town. Because he has so much and they so little, the villagers feel that it is their right
to take the stranger's magic cheques . . . even if, in the process, they must take his life as well.
Ironically, tragically, their righteous ambition leads to their own destruction.
With the stranger dead, the people of the community help themselves to his cheques. Money begins
to exchange hands as goods are bought and deals are made. The progress of economic development
comes to the village. No one is afraid to dig up the money that they have saved because as soon as
the cheques are cashed there will be no worries, and the town can continue to "prosper." But as
every man meditates on their "two of these excellent billets," they begin to feel that "they were too
rich to speak to each other" (71, 72). Conflict grows between one–time friends as they argue over
what is to be bought and sold. Greed has come to town with the artist and his witch's money.
Only one

Njjj
OA Exams 1 December 2, 2009 1. (a) As a clerk in the records management office, one of your
duties is to order equipment and supplies for your office.
(i) State the purpose of EACH of the following pieces of equipment in the records management
department: * Filing cabinets * Photocopiers * Computers
(3 marks)
(ii) List FOUR important types of supplies used in the storage of records.
(4 marks)
(b) State what action should be taken by the secretary of the relevant department in
EACH of the following situations:
(i) The following note was attached to a file that was returned by the human resources manager. I
will be attending a two–day conference from tomorrow. On my return, I will need the interview file
with respect to ... Show more content on Helpwriting.net ...
All these activities generate a great deal of information.
Functions of the production department
The functions of the production department include ensuring that goods are not only produced but
that they conform to an acceptable quality standard. This standard is maintained by quality control.
The production department must liaise with the purchasing department so that the correct quantity
and quality of raw material is purchased.
2. Distribution
When goods are produced, they must be distributed to the consumer. Distribution entails
transporting the finished product. The method of distribution will depend on the nature of the
product, that is, whether it is bulky or if it is perishable. It is important for you to be conversant with
the channels of distribution.
Channels of distribution
producer – agent – distributor – wholesale – retail – consumer
3. The exchange of goods and services
In the exchange of goods and services, money is used as a medium of exchange in the process of

buying and selling. An article sold for cash is an example of an exchange of goods for money. On
the other hand, the dressmaker and the hairdresser charge a fee for services rendered.
Office activities generated by the exchange of goods and services include:
* Preparing sales slips * Writing cheques * Preparing

Background And Overview Of Digital Banking
2. LITERATURE REVIEW
2.1 Background and overview of digital banking
According to BBA (2014), if Alvin Toffler, author of the renowned "Future Shock", was to have
examined the evolution of banking services in the last decade, even he would have fallen far short in
terms of his forecast of customer delight in the present era of online banking. When Toffler wrote
his bestseller there were no credit cards, direct debits or unsecured personal loans. The only way to
withdraw your money from the bank was to write cheques and spend time in long queues at the bank
branches.
Today we are witness to a revolutionary landscape wherein keen competition and rapid innovation
in communication technology has driven away the lethargy and complacencies of ... Show more
content on Helpwriting.net ...
Similarly, banking products such as insurance, property and financial investments, which till a
decade or so ago required cumbersome processes and paperwork are now conveniently possible
with a few clicks on your mobile phones. Cash withdrawals have shifted from the branches to the
popular cash machines (ATMs) with their ubiquitous presence all over the country and in most
places around the World. This has resulted in shutting down of several bank branches and
corresponding cost reduction. The remaining branches are being retooled for branding and
merchandising in high streets as well as meeting places for retail customers dealing with more
complex products such as financial investments and mortgages. Whereas footfalls at bank branches
started falling in the 1990s with the spread of ATMs this trend was further augmented with the
Phone Banking service introduced around the same time which allowed customers to talk to a bank
representative 24/7 all days of the year for a range of services. This service became popular for
speedy and convenient service delivery, however, over the last few years is reported to being seen in
a decline as new technologies are taking over.
Until the 1970s institutional and regulatory restrictions placed on the functionality and activities of
banks prevented competitive pressure on the banks with little motivation for the closed industry

Internal Control in Accounting System
1 TERMS OF REFERENCE
| terms of reference: |
|This report has been prepared to cover the assessment requirements of AAT Learning and
Assessment Area 'Internal Control and Accounting Systems.' |
|The objectives of this report are to: |
|a)analyse accounting system and effectiveness of its internal control |
|b) to identify the strengths and weaknesses of accounting system and to recommend necessary
improvements or ... Show more content on Helpwriting.net ...
All staff except accounts department are paid weekly in cash. Pay packets are available from the
showroom manager. Sales staff are paid hourly rate +commission which is variable.
Sonja calculates amount of hours from completed rota. Any overtime is calculated manually.
Then Sonja use cheque book to drawn cash from the bank to pay salary. After pay packets are ready
Sonia stores it in the office safe. And any member of the sales staff who is not busy can collect and
distribute this.
If Sonja away other people from accounts department do have aces to cash in safe
6.2 Payment
Only owner of the business can sign the cheque. Company pays it is suppliers at the end of the
month that their invoice is received. But most of suppliers are requesting payment within thirty days
of invoice date. All suppliers are paid by cheque.
6.3 Customers Payment
Some customers pay cash but mostly they take credit. Customer credit story is checked through the
agency. Customers are offered monthly payment at 6 month free credit and 28.4% after. Finance
company charge 8.7% to the company. If customer didn't pay in right time ( 2 month due) so
company pass information to debt collection agency which charge £80 per case +30% of any money
collected.
6.4 Cash and banking
Banking is carried out on Monday and Thursday.
Stefan is checking mail daily basis. He manually enters any cash or cheque received from

Bbva Essay
1. What is the role of offline and online advertising in acquiring checking account customers for the
bank?
Building brand awareness, gaining trust, and improving consideration among potential bank
customers for opening new checking accounts is the role of offline and online advertising in
acquiring checking account customers. Another role that offline and online advertising plays in
acquiring checking account customers for the bank is by being a gateway for other lines of
businesses within the banks entity. As a way to maximize the global awareness of the BBVA brand,
they adopted the trade name BBVA Compass in 2009. Awareness for the new name dropped below
50%, to 48% in 2009 and the goal in 2010 was to raise brand awareness ... Show more content on
Helpwriting.net ...
There should be more allocation given to offline media. It is our belief that offline media should
emphasize how the bank is improving and must highlight messages about the ease of online banking
services, convenient branch locations, as well better checking and customer services. We do believe
though that the online presence, in not only banking, but in most things involving commerce, is
growing and that it is not a bad idea to think of ideas for budget increases concerning online banking
in the near future. But in strictly viewing the numbers given to us in the case that may not be a great
idea at the present time.
3. What is the effective acquisition cost and lifetime value of customers acquired through the online
channel?
The average annual retention rate of our customers acquired online is about 55% compared to a 65%
retention rate for those acquired through branches. Online customers have lower balances and end
up paying higher fees. The net annual income from online customers is therefore slightly higher than
that of branch customers. The acquisition cost and lifetime value are used to find the total amount of
value that is derived from a customer over the customer's complete lifetime with the business. Cost
acquisition is also known as the CAC. We will measure that lifetime simply as the total revenue
earned to date, and in this case our

Blog 34
Blog 34 – Casumo and Evolution Gaming join forces
Live casino gaming may be a relatively new innovation in the world of online casino gaming, but
that hasn't stopped it from entertaining the masses. It seems as more and more players bypass
traditional online casino games to play live casino versions; various leading online casinos have
looked to add such to their game catalogue. The latest name to incorporate live casino games into
their game catalogue is Casumo, who have announced a new working agreement with Evolution
Gaming.
Casumo rank as one of Europe's most highly touted up and coming online casinos. Having emerged
from Northern Europe, the brand has tried to introduce brand new products to the online casino
industry. The casino ... Show more content on Helpwriting.net ...
The deal has actually caught many industry analysts by surprise, as Casumo weren't a company
known for having live casino aspirations. Speaking on the brand new arrangement Casumo Co–
founder and Current CEO Oscar Simonsson has said that expansion has been on the cards for some
time. He said, "Casumo has come on leaps and bounds in recent years, so as of late we have rightly
been looking to take the next step. We see that next step being the introduction of innovative live
casino games". He also spoke on the decision to work with Evolution Gaming moving forward,
"Evolution Gaming really are the crème de la crème of live casino gaming. They have brought the
world true innovation and unparalleled quality time and time again through the games they've
created. We are excited about where our partnership with Evolution Gaming could take us".
Evolution Gaming CCO Sebastian Johannisson also hasn't been shy on speaking about the new deal.
He seems to be just as delighted about working alongside Casumo in 2015 and beyond. He said, "In
our eyes Casumo are one of the fastest growing names in the world of online casino gaming. The
casino adventure idea has fascinated us, which is why we feel that they present a very interesting
online casino to players. When you look towards innovation, you look towards Casumo, so we
couldn't be happier to work with them moving forward". The new partnership with Casumo is the
latest move for Evolution Gaming, who this

Credit And Debt : Debt
Credit and Debt
Credit is a very powerful financial equipment if it is only used in a very diligent and wise way. It
can also land you to very big trouble if it is mismanaged. It is wise and advisable to understand the
basic and important debt and credit management so that you can be firm and solid financially.
Debt
Most of the people across the world are in debt. A good example is in USA where most of the
consumers are in very high debt. Dealing with money can sometimes be off putting, and sometimes
you could end up landing in a very big debt. You need to make proper, wise and right decisions and
also proper help so that you can deal with debt problems and avoid landing into problems and
getting your finances back into shape.
Taking serious responsibility of your finances and coming up with a good and proper methods and
strategies that will help you deal with your debt will help you to reduce drastically your debt and get
you on the right channel towards a better and stable financial future. Here are some of the ways that
will help you to manage your debts properly:
Pen it down
Many people usually don 't know how much debt they have. It will be very wise if you pen your
debts on paper and making a list of everything that you owe. You can then sum up the total. .You
can also collect your financial documents and reproduce them. The amount maybe very large and
you can be scared, but this is the most important way in your debt recovery.
Check your budget
Take a look at

The Achievement of Desire by Rodriguez Essay
The Achievement of Desire by Rodriguez In Rodriguez's essay, The Achievement of Desire,
Rodriguez illustrates the characteristics of an automaton, thus confirming Freire's views regarding
the banking concept. Despite his classification as a "scholarship boy", Rodriguez lacked his own
point of view and confidence, which led him to be dominated by his teachers and his books. In the
eyes of Paulo Frerie, Rodriguez would be considered a receptacle. He was filled not only with his
teacher's information, but also with knowledge obtained from his reading of "important" books.
Rodriguez is a classic student of the banking system. Early in his essay, Rodriguez shows signs of
yielding to the ways of the banking concept. "I became the ... Show more content on Helpwriting.net
...
"...I came to idolize my grammar school teachers. I began by imitating their accents, using their
diction, trusting their every direction. The very first facts they dispensed, I grasped with awe. Any
book they told me to read, I read – then waited for them to tell me which books I enjoyed"
(Rodriguez 625). Rodriguez allowed his teachers to tell him how to think; he became completely
submissive to their every belief. As Freire stated the teacher's task is, "to fill the students with the
contents of his narration – contents which are detached from reality, disconnected from the totality
that endangered them and could give them significance" (Freire 348). Instead of having his own
opinion, Rodriguez permitted his instructors the privilege of reasoning for him. Rodriguez became a
receptacle in every way possible. He basically left the fate of his education up to his teachers by
allowing them to dump information into his mind. However, unlike the banking concept, his
teachers did not dispose of knowledge in the form of narrated harangues. Instead, they used narrated
literature in place of diatribes. Rodriguez read important books such as The Scarlet Letter and Great
Expectations. "But I was not a good reader," Rodriguez claims, "merely bookish, I lacked a point of
view when I read. Rather, I read in order to acquire a point of view" (633). Rodriguez was a
container in a sense that he retained the ideas of the books he read, but Rodriguez did not have

Employees And Soldiers Assigned For The Disbursing Operations
3. SCOPE: The provisions of this memorandum apply to all Employees and Soldiers assigned to the
Disbursing Operations. 4. RESPONSIBILITIES: a. Disbursing personnel will be appointed to or
terminated from their assigned duty position prior to the effective date of the change in status. It is
the responsibility of the outgoing disbursing personnel to ensure the appointment/termination orders
are prepared correctly. The Disbursing Office will maintain all current appointment orders and
termination orders for one year after the date of termination. The Internal Review section will
maintain all terminated appointment orders on file for six years and three months after the
individual's termination date. All DD Form(s) 577 are maintained ... Show more content on
Helpwriting.net ...
d. Cashiers will follow the oral and written instructions of the Commander/Director, Disbursing
and/or other appointed deputies. e. It is important for Cashiers to possess a detailed knowledge of
the functions and operations of the Disbursing Office, and a general knowledge of the DMPO as a
whole. f. Cashiers are responsible for verifying the accuracy of the amount of cash received as
collections to the Disbursing Office and for ensuring disbursements made are accurate and proper
for payment. Other customer services will be as directed by the Commander/Director, the
Disbursing Officer, or other appointed Deputies. g. Cashiers are expected to be courteous to all
personnel reporting to the Defense Military Pay Office, and are required to maintain acceptable
standards of appearance, performance, and conduct. Cashiers will not argue with Customers. If a
problem surfaces with a Customer, it will be referred to the Disbursing Officer or Deputy, and if
necessary will be brought to the attention of the personnel who prepared/approved the voucher. h.
Embezzlement of Public Funds, Property, or Records: Under 18 U.S.C. 653 (reference(s)),
Disbursing Officers or any accountable Officials shall be guilty of an embezzlement if they in any
manner convert funds to personal use; loan funds with or without interest; deposit public funds
entrusted to them in any place or in any manner, except as authorized by law; or for any purpose not
prescribed by law,

The Assumption And Implication Of Good Faith
Introduction When one party receives a check and transfers it, is the transferee a holder in due
course? The response to this question is it depends on the facts and circumstances. The assumption
and implication of good faith plays a role in determining a holder in due course. In our case, one
party is attempting to take advantage of the other through fraud and deceit. This paper explores who
is a holder in due course, the influence of fraud and deceit, the role of the stop payment, and who is
responsible when a situation goes wrong. Material Facts John G. Talcott, Jr., is a ninety–three–year–
old Massachusetts resident, D.J. Rivera, a "financial advisor" to Talcott, and Salvatore Guarino, an
associate of Rivera. Rivera and Talcott ... Show more content on Helpwriting.net ...
He assumed that Rivera knew that he had stopped payment on the $10,000 check. Several years
earlier, Guarino established check–cashing privileges at Any Kind Checks Cashed, Inc. using their
required documentation. Guarino took possession of the $10,000 check on January 11 and took it to
Any Kind's Stuart, Florida to cash the check. Standard operating procedure at Any Kind requires
supervisor approval of any check over $2,000. After checking Guarino's driver's license and asking
the purpose of the check, supervisor Nancy Michael determined the check was valid. A Federal
Express envelope validated this decision, despite an inability to contact Talcott. After deducting a
five percent check–cashing fee, Guarino received a $9,500 check. Six days later, Guarino returned to
the same Any Kind location, presented a $5,700 check to the teller using similar proof, and required
supervisor approval again. The teller spoke to Michael regarding the check, and she instructed the
teller not to cash the check until she reached Talcott and received approval. Talcott approved the
$5,700 check, but Any Kind did not mention the $10,000 check from the previous day. Any Kind
cashed the second check after deducting a 3% fee. On January 19, Rivera called Talcott and told him
what transpired with Guarino. Talcott called his bank and stopped payment on the $5,700 check.
Talcott 's daughter called Any Kind and told it of the stop payment on the $5,700 check. I agree with
the

Has Airport Security Gone Too Far? Essay
Has Airport Security Gone Too Far?
In the wake of 9/11, the once "simple things in life" required not much thought at all now they have
been transformed into complicated procedures only brought about in a time of war. Traveling by air
has been a very rewarding experience for most but courtesy of terrorism, it has mutated into a list of
banned items, random luggage searches, and armed soldiers ominously toting M–16 rifles.
One must wonder if airport security, with the addition of machines that scan shoes for bombs and
random luggage searches, has gone too far. It is not necessary to check the orthopedic shoes of an
eighty–year old woman whereas it ... Show more content on Helpwriting.net ...
Frequent fliers who voluntarily give information about themselves and undergo a police background
check are granted these cards and are able to waive the intense security and head to their gates. A
trusted traveler's card would be a definite godsend to parents who fly with small children and don't
want to be bothered with the hassle of being told by a disgruntled airport employee to empty their
child's diaper bag, for fear that it may house a handgun or grenade.
With "The War On Terrorism" in full swing, Airport officials should take a look at the intense
footage shown on C–SPAN and CNN and decide that now more than ever it's time to work smarter,
not harder. What several call racial profiling, Airport Officials in other countries call being careful.
"Treating an elderly woman the same as a young Muslim male is the same as the Police looking for
a tall teenaged criminal, but randomly searching a short, middle–aged woman." says Bill Thompson
of an international Airport in London. For fear of being sued, Airports across the country refuse to
buckle down and simply use an alternative method of weeding out potential terrorists. Performing
background checks on non–American citizens who purchase tickets in cash and are from middle–
eastern countries could put many at ease. There is nothing wrong with asking someone who, what,
when, where, and why they are in America, but aren't a citizen. Racial profiling is wrong when
people of a specific

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