Oscar Almanzar - InfoSheet
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The document describes a home improvement loan from Home Loan Investment Bank that has no contractor fees, equity or seasoning requirements, prepayment penalty, and offers fixed interest rates and both unsecured and secured options. The loan is designed to help homeowners improve their home's value and give contractors more job opportunities. Contractors can benefit from referring clients to the bank's Preferred Referral Program for this loan.
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12 re unacceptable behave
Cemil Yurdal Parlar emails David Poku about an unacceptable business relationship. Parlar recaps a previous conversation between David, Feras Jowaniyah, and Billy where David said he would have a meeting and call back by 12:30 but did not call. Parlar now wants David to simply answer his calls and say "no service, no money" if a service cannot be delivered as previously agreed.
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12 re unacceptable behave
Cemil Yurdal Parlar emails David Poku about an unacceptable business relationship. Parlar recaps a previous conversation between David, Feras Jowaniyah, and Billy where David said he would have a meeting and call back by 12:30 but did not call. Parlar now wants David to simply answer his calls and say "no service, no money" if a service cannot be delivered as previously agreed.
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13 re proposal for reprieve to local ghanaian interconnect operators to help ...
David emails Cemil and Feras about delays in finalizing a proposal with the National Communications Authority of Ghana to provide a reprieve on interconnection rates for local operators, but confirms the reprieve has been granted to Abex Group so far. Cemil questions whether the reprieve will also be provided to other competitors like MTN, and requests clarification on their strategic position. David apologizes for the delays and assures them the proposal will be approved soon to help local operators compete against illegal voice over IP termination.
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3 fw review of handling charge payable-2
This email thread discusses international call rates and handling charges payable between telecom networks. David confirms the direct cost rates for calls to other networks, including a 0.04 discount for Vodafone traffic reducing the rate to $0.15 per minute. Earlier, Benjamin from Vodafone notified that effective March 7th, the handling charge for transit networks will be $0.0165 per minute and $0.04 per minute for Vodafone Ghana networks due to an increase in interconnect prices set by the regulator.
3 re review of handling charge payable-1
David Poku emails Cemil Yurdal Parlar about direct cost rates for different networks, including a 0.04 discount on traffic to Vodafone. Cemil asks for clarification on the rates and discount. David forwards an email from Benjamin Amoah of Vodafone detailing new handling charges of USD 0.0165 per minute for transit networks and USD 0.04 per minute for Vodafone networks in Ghana effective March 7, 2012, due to an increase in interconnect prices determined by the regulator.
2 re confirmation request of draft agreement details-2
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13 re proposal for reprieve to local ghanaian interconnect operators to help ...
David emails Cemil and Feras about delays in finalizing a proposal with the National Communications Authority of Ghana to provide a reprieve on interconnection rates for local operators, but confirms the reprieve has been granted to Abex Group so far. Cemil questions whether the reprieve will also be provided to other competitors like MTN, and requests clarification on their strategic position. David apologizes for the delays and assures them the proposal will be approved soon to help local operators compete against illegal voice over IP termination.
14 fwd bg-1
The document discusses providing a bank guarantee to a company for telecom services. It mentions:
- A meeting was held with Adrian to move forward services, but he requested a bank guarantee of 300k to open up 32 E1 capacity on a Huawei switch.
- Six E1s will be provided interim starting Monday as the bank guarantee is resolved.
- David will try to get the bank guarantee raised to 300k as quickly as possible since he already applied for that amount.
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3 fw review of handling charge payable-2
This email thread discusses international call rates and handling charges payable between telecom networks. David confirms the direct cost rates for calls to other networks, including a 0.04 discount for Vodafone traffic reducing the rate to $0.15 per minute. Earlier, Benjamin from Vodafone notified that effective March 7th, the handling charge for transit networks will be $0.0165 per minute and $0.04 per minute for Vodafone Ghana networks due to an increase in interconnect prices set by the regulator.
3 re review of handling charge payable-1
David Poku emails Cemil Yurdal Parlar about direct cost rates for different networks, including a 0.04 discount on traffic to Vodafone. Cemil asks for clarification on the rates and discount. David forwards an email from Benjamin Amoah of Vodafone detailing new handling charges of USD 0.0165 per minute for transit networks and USD 0.04 per minute for Vodafone networks in Ghana effective March 7, 2012, due to an increase in interconnect prices determined by the regulator.
2 re confirmation request of draft agreement details-2
- David Poku and Cemil Yurdal Parlar discuss an agreement between Broad Spectrum (IS1) and the CYPRONETWORK - 2TELCOM consortium (IB1) to terminate international calls on Vodafone's network.
- IB1 will send 70% of traffic to Broad Spectrum to terminate on Vodafone at $0.155 per minute up to 1.3 million minutes and 30% on other networks at $0.165 per minute up to 523,700 minutes.
- IB1 will replenish prepayments to Vodafone when 80% of the prepayment is consumed and make the initial prepayment by March 21st.
Robertson_LoanProducts-med
Caliber Home Loans is a full-service national lender that offers a growing range of home loan and refinancing options including loans insured by FHA, VA, and USDA, jumbo loans up to $2.5 million, and financing for new construction, second homes, and investment properties. Mark Robertson is a branch manager and loan advisor for Caliber Home Loans who can provide information on getting the lowest mortgage rates and saving money on home loans or refinances. Caliber's portfolio has increased over 73% in the last 12 months.
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Oscar Almanzar - InfoSheet
- 1. INVESTMENT BANK HOME LOAN SM Preferred Referral Program Benefits of the Home Improvement Loan* No Contractor Fees No Equity Requirements No Seasoning Requirements No Prepayment Penalty Fixed Interest Rate Unsecured & Secured Options Available *Subject to credit approval Home Loan Investment Bank is a Federal Savings Bank that has been providing innovative lending solutions to the community for over 40 years. Our Home Improvement Loan is designed to give homeowners the financing they need to improve the value of their home, while giving contractors the ability to secure more jobs. Our Preferred Referral Program gives contractors a unique opportunity to benefit from this exciting product. Contact Info: Oscar Almanzar Home Improvement Lending NMLS # 774599 Phone: (800) 223-1700 x869 Fax: (888) 663-2701 Email: oalmanzar@homeloanbank.com One Home Loan Plaza, Warwick, RI 02886 www.hlib-homeimprovement.com