Financial IT Strategies and Postal Savings Survey for Postmasters

Size: px
Start display at page:

Download "Financial IT Strategies and Postal Savings Survey for Postmasters"

Transcription

1 Financial IT Strategies and Postal Savings Survey for Postmasters Implementation Date: November 2002 Research Representative: Yasuharu Ukai (Professor, Director, The Research Center of Socionetwork Strategies, Kansai University) Kinki Postal Administration Office: 2002 Special Commissioned Study Q1. Please select the classification most appropriate to your post office from the options below. 1 Regular post office conducting collection and delivery of postal items 2 Regular post office not conducting collection and delivery of postal items 3 Special post office conducting collection and delivery of postal items 4 Special post office not conducting collection and delivery of postal items Q2. Please select the geographical classification most appropriate to the of your post office from the options below. 1 Urban commercial 4 Suburban commercial 7 Farming/fishing 2 Urban residential 5 Suburban residential 8 Mountainous farming 3 Urban industrial 6 Suburban industrial 9 Farming/fishing on a remote island Q3. How many regular employees are at your post office? Please enter below in 3 digital numbers. Q4. Approximately, how much ratio of the regular employees of your post office handles postal savings, post/collection and delivery, and postal life insurance, respectively? Please enter below in each box. Postal savings Post/collection delivery Postal life insurance Multiple tasks Around % Around % Around % Around %

2 Q5. What is the approximate average number of people who use your post office in one day? Please enter below in 4 digital numbers. Around Q6. Approximately, how much of postal savings (the sum of deposits and withdrawals) your post office handles in one year? Please enter below in 4 digital numbers. Around hundred million yen Q7. What is the approximate number (in thousands) of receipts and payments of postal transfers (including public funds) your post office handles in one year? Please enter below in 4 digital numbers. Around thousand Q8. Please select the average volume of postal deliveries or incoming post your post office handles in one day from the options below. 1 Under , , , , , , ,000 7 Over 400, , ,000 Q9. Please select the number of new postal life insurance contracts your post office handles in one year from the options below. 1 Under , Over 10,000 Q10. Please select the total value of the new postal life insurance contracts your post office handles in one year from the options below. 1 Under 100,000 Yen 5 10,000,000-50,000,000 Yen 2 100,000-1,000,000 Yen 6 50,000,000-1,000,000,000 Yen 3 1,000,000-5,000,000 Yen 7 Over 1,000,000,000 Yen 4 5,000,000-10,000,000 Yen

3 Q11. To what extent do employees at your post office actively take part in self-development activities, such as acquisition of qualifications, at their own expense? Please select the appropriate situation from the options below. 1 Very often 2 Not at all 3 Some employees participate in such activities Q12. Does your post office carry out team activities? Please select the an appropriate situation from the options below 1 Very often 2 Sometimes 3 Difficult to say 4 Not often 5 Almost never Q13. How many computers are there at your post office? Please select the appropriate situation from the options below. 1 One or more per employee 2 More than one for two employees 3 More than one for several employees 4 Just a few 5 None Q14. Of these computers how many are connected to the Internet? Please select the appropriate situation from the options below. 1 All [All computers are connected to a network] 2 Most 3 Some 4 None Q15. Please select the appropriate situation concerning the use of at your post office from the options below. 1 Used every day by postmaster and employees 2 Used several times per week by postmaster and employees 3 Used every day by employees, not available to postmaster 4 Used several times per month by postmaster and employees

4 5 Neither postmaster nor employees are capable of using it 6 Used every day by postmaster, not available to employees 7 Used every day by postmaster and some employees 8 Postmaster and employees have the capacity, but not the opportunity, to use it 9 Postmaster is incapable of using it, but some employees use it every day Q16. Please select the appropriate situation concerning the use of word processing software at your post office from the options below.1 Used every day by postmaster and employees 2 Used several times per week by postmaster and employees 3 Used every day by employees, not available to postmaster 4 Used every day by postmaster and some employees 5 Postmaster and employees have the capacity, but not the opportunity, to use it 6 Used several times per month by postmaster and employees 7 Neither postmaster nor employees are capable of using it 8 Used every day by postmaster, not available to employees 9 Postmaster is incapable of using it, but some employees use it every day Q17. Please select the appropriate situation concerning the use of spreadsheet software at your post office from the options below. 1 Used every day by postmaster and employees 2 Used several times per week by postmaster and employees 3 Used every day by employees, not available to postmaster 4 Used every day by postmaster and some employees 5 Postmaster and employees have the capacity, but not the opportunity, to use it 6 Used several times per month by postmaster and employees 7 Neither postmaster nor employees are capable of using it 8 Used every day by postmaster, not available to employees 9 Postmaster is incapable of using it, but some employees use it every day Q18. Does your post office have its own homepage (excluding Electronic Post Offices)? Please select the appropriate situation from the options below. 1 Yes 2 No, but we intend to create one soon 3 No, and we have no plans to create one

5 Q19. Please select an appropriate situation concerning countermeasures for ensuring information security (information security procedures) at your post office. 1 We implement rigorous countermeasure 2 We do what is necessary 3 We do what we can 4 This is an area of some concern 5 It is a constant worry Q20. Please select the appropriate situation concerning measures at your post office to prevent external computer attacks, including viruses and worms from the options below. 1 All employees are knowledgeable about such measures, and we have no problems 2 Administrators are knowledgeable about such measures, and there seem to be no problems 3 We take standard measures around the same level as other post offices 4 Education in such measures is provided, but understanding among employees is a concern 5 The employees lack awareness of such issues, which is the constant worry. Q21. Please select the appropriate situation concerning compliance manuals at your post office from the options below. 1 Used often 2 Used sometimes 3 Used occasionally 4 Seldom used Q22. Please select the appropriate situation concerning handling of ATMs including handling of minor breakdowns at your post office from the options below. 1 I am capable of handling ATMs 2 I can handle an ATM when necessary 3 I have handled an ATM in the past 4 I have received training in ATM handling, but have never had to do so 5 I have never handled an ATM Q23. Please select a response you consider most important as the reason why the post office, on the basis of the Information Disclosure System, discloses to its users

6 information on the postal service (other than that regarding normal business affairs) from the options below. 1 The post office is not privately managed, thus is obliged to disclose a certain amount of information 2 Precisely because the post office is not privately managed, it is obliged to disclose information 3 It is important that the post office, whether or not it is privately managed, discloses information to its users as a service 4 Active disclosure of information helps to draw in customers 5 Information disclosure is popular right now, so it is best for the post office to disclose information Q24. Please select a response you consider most important as the reason why a usage fee or similar charge is imposed upon people seeking information under the Information Disclosure System described in the previous question from the options below. 1 Disclosure of information costs money, thus a charge is justified 2 Charges are necessary to prevent people seeking excessive amounts of information 3 The user benefits, thus a charge is justified 4 Although a charge is not unreasonable, the cost should be decreased 5 A charge is unreasonable Q25. If the Japan Post, which establishes in 2003, were to begin implementing financial strategies using IT [Information Technology], what strategies would be preferable? Please select three strategies you consider to be preferable. 1 Provision of mobile post offices with an ATM in an automobile or ship 2 Provision of handling charge discounts for settlements made online 3 Trading foreign currency 4 Increasing interest rates by abolishment of bank books 5 Provision of fully automated 24-hour post offices 6 Entry into the real estate loan market 7 Entry into the credit market 8 Provision of financing for corporations 9 Use of statistical data processing or other methods of processing customer information to differentiate between sales finance products Thank you for your cooperation.

Indicators Related to Asset Management (General Account)

Indicators Related to Asset Management (General Account) Indicators Related to Asset Management (General Account) (1) Portfolio Trends Asset Structure, Increase/Decrease in Assets Cash, deposits and call loans Receivables under resale agreements Receivables

More information

Big Concepts. Balance of Payments Accounts. Financing International Trade. Economics 202 Principles Of Macroeconomics. Lecture 12

Big Concepts. Balance of Payments Accounts. Financing International Trade. Economics 202 Principles Of Macroeconomics. Lecture 12 Economics 202 Principles Of Macroeconomics Professor Yamin Ahmad Big Concepts Balance of Payments Equilibrium The relationship between the current account, capital account and official settlements balance

More information

MULTIPLE CHOICE. Choose the one alternative that best completes the statement or answers the question.

MULTIPLE CHOICE. Choose the one alternative that best completes the statement or answers the question. Exam Name MULTIPLE CHOICE. Choose the one alternative that best completes the statement or answers the question. 1) The government agency that oversees the banking system and is responsible for the conduct

More information

Consolidated Financial Highlights for the Third Quarter Ended December 31, 2015 [under Japanese GAAP] SMC Corporation

Consolidated Financial Highlights for the Third Quarter Ended December 31, 2015 [under Japanese GAAP] SMC Corporation February 9, 2016 Consolidated Financial Highlights for the Third Quarter Ended December 31, [under Japanese GAAP] SMC Corporation Company name : Stock exchange listing : Tokyo Stock Exchange first section

More information

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open.

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open. Truth in Savings Click here for checking account rates Understanding Your Deposit Account America s Best Free Checking This account features unlimited check writing, no monthly service fee and no minimum

More information

Personal Account Conversion Charts

Personal Account Conversion Charts Personal Account Conversion Charts 33 Simple Checking Columbia Checking Free Check Safekeeping 2 or estatements 7. Gold Checking, VIP Checking or Platinum Checking and the primary account holder is at

More information

Monthly Earnings Allowance

Monthly Earnings Allowance BUSINESS ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. For all accounts but Certificates of Deposit, there is no minimum balance to open. Refer to the Account Disclosures and

More information

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to the recipient of this disclosure.

More information

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911

TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TWINSTAR CREDIT UNION PO BOX 718 OLYMPIA WA 98507-0718 (360) 357-9911 TwinStar Credit Union Visa Business Credit and Check Card Agreement THIS IS YOUR AGREEMENT WITH THE CREDIT UNION; PLEASE READ CAREFULLY.

More information

Home Mortgage Disclosure 12 USC 2801 Act of 1975

Home Mortgage Disclosure 12 USC 2801 Act of 1975 89 STAT. 1124 PUBLIC LAW 94-200 DEC. 31, 1975 Dec. 61, 1975 [S. 1281] Depository institutions, interest rates; National Commission on Electronic Fund Transfers, extension; home mortgage disclosure. 12

More information

Financial Status, Operating Results and Risk Management

Financial Status, Operating Results and Risk Management Financial Status, Operating Results and Risk Management 87 Financial Status 88 89 90 90 90 95 95 Operating Results Cash Flow Effects of Major Capital Expenditures in the Most Recent Fiscal Year on Financial

More information

Freedom Checking A Guide to Freedom Checking Fees

Freedom Checking A Guide to Freedom Checking Fees Monthly Service Fee Monthly Service Fee: Easy Ways to Avoid the Monthly Service Charge: $8 for accounts with e-statements $10 for accounts with paper statements Maintain a monthly minimum balance of $1,000

More information

THE HARVARD ALUMNI CARD AGREEMENT

THE HARVARD ALUMNI CARD AGREEMENT THE HARVARD ALUMNI CARD AGREEMENT Harvard Alumni World MasterCard PO Box 382609 Cambridge, MA 02138-2609 617-495-4460 www.huecu.org This Agreement sets forth the terms and conditions under which this Credit

More information

How To Get A Free Credit Card From A Bank Account

How To Get A Free Credit Card From A Bank Account Basic : There are no minimum balance requirements for this account. Refer to the Service Fees Disclosure for a complete listing of fees and charges. Super : You must deposit $50.00 to open this account.

More information

C O N V E R S I O N G U I D E

C O N V E R S I O N G U I D E CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled

More information

Personal Account Transition Charts

Personal Account Transition Charts Personal Account Transition Charts 29 Just Right Checking, Just Right Checking+, or High Yield Checking Neighborhood Checking $5 Monthly maintenance fee. Waived with one of the following 1 : - Minimum

More information

Market Value Information of Securities (General Account)

Market Value Information of Securities (General Account) Value Information of Securities (General Account) (1) Value of Securities 1) Net Valuation Gain/Loss of Trading Securities Japan Post Insurance does not hold securities for trading as of March 31, 2014

More information

Financial Highlights for the Fiscal Year Ended March 31, 2016 May 13, 2016

Financial Highlights for the Fiscal Year Ended March 31, 2016 May 13, 2016 Financial Highlights for the Fiscal Year Ended March 31, 2016 May 13, 2016 Japan Post Holdings: Financial Highlights Results of Operations for the Fiscal Year Ended March 31, 2016 Japan Post Holdings (Consolidated)

More information

Net sales Operating income Ordinary income Net income

Net sales Operating income Ordinary income Net income MORITO CO., LTD. Financial Statement (Unaudited) For the Third Quarters of the Fiscal Year ended November 30, 2015 (Translated from the Japanese original) October 9, 2015 Corporate Information Code: 9837

More information

Achieving Cost Improvements and Bank Operational Efficiencies

Achieving Cost Improvements and Bank Operational Efficiencies Achieving Cost Improvements and Bank Operational Efficiencies May 12, 2015 Audit Tax Advisory Risk Performance 2015 Crowe Horwath LLP 1 Session Description With banks experiencing slow revenue growth,

More information

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures

9.90% CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Account-Opening Credit Disclosures CHIROPRACTIC FEDERAL CREDIT UNION VISA GOLD CREDIT CARD AGREEMENT AND DISCLOSURES Credit Limit: $ Interest Rates and Interest Charges Annual Percentage Rate 9.90% (APR) for Purchases APR for Balance Transfers

More information

SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT

SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT Variable Rate information. This account is subject to a Variable Rate. The interest rate and annual percentage yield (APY) may change at any

More information

Completing the New HUD-1 Settlement Statement

Completing the New HUD-1 Settlement Statement Completing the New HUD-1 Settlement Statement The new HUD-1 Settlement Statement ( HUD ) is designed to correlate closely to the new GFE, allowing borrowers to see how the estimate settlement costs disclosed

More information

Worldwide personal tax guide 2013 2014. Japan. Local information. 2013 National Income Tax Rates Taxable Income Band National Income Tax Rates

Worldwide personal tax guide 2013 2014. Japan. Local information. 2013 National Income Tax Rates Taxable Income Band National Income Tax Rates Worldwide personal tax guide 2013 2014 Japan Local information Tax Authority Ministry of Finance Website www.mof.go.jp Tax Year 1 January to 31 December Tax Return due date 15 March Is joint filing possible

More information

Overview The Regulation The Loan Estimate (LE) The Closing Disclosure (CD) Loan Estimate (LE) Application Date LE Responsibility

Overview The Regulation The Loan Estimate (LE) The Closing Disclosure (CD) Loan Estimate (LE) Application Date LE Responsibility To support your preparation efforts when implementing the TILA-RESPA Integrated Disclosure (TRID) rule effective for applications dated on or after October 3, 2015, we have created this Helpful Tips for

More information

CEFCU Business Debit Card and Financing Requirements

CEFCU Business Debit Card and Financing Requirements BUSINESS MEMBER AUTOMATED SERVICES TERMS & CONDITIONS DISCLOSURE CEFCU offers various methods for its Business Members to initiate and perform automated services transactions. This Business Member Automated

More information

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Abington Bank 6 Harrison Avenue Abington, MA 02351 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Abington Bank 781 878 0045 TheAbingtonBank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Abington Bank. The

More information

SIMPLICITY CHECKING ACCOUNT AGREEMENT & DISCLOSURE

SIMPLICITY CHECKING ACCOUNT AGREEMENT & DISCLOSURE SIMPLICITY CHECKING ACCOUNT This is a non-interest bearing account. You must deposit $50.00 to open this account. Electronic Statements are provided at no charge on this account. A $3.00 monthly fee will

More information

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Bank of

More information

In addition, Butterfield Line can help you manage those unexpected expenses, like home and auto repairs or the replacement of major appliances.

In addition, Butterfield Line can help you manage those unexpected expenses, like home and auto repairs or the replacement of major appliances. Butterfield Line helps you finance major personal expenses with a revolving credit line that is supported by the equity in your home. Whether your financial focus is on education expenses, paying for a

More information

Business Account Transition Charts

Business Account Transition Charts Business Account Transition Charts 37 Just Right Business Checking or Just Right Business Checking+ Small Business Checking $9 monthly maintenance fee 6 Relationship Rewards 1 If your daily balance does

More information

How To Pay A Customer In European Currency (European)

How To Pay A Customer In European Currency (European) International Money Transfer Service Terms and Conditions Article 1 (Scope of Application) The International Money Transfer Service offered by Seven Bank (hereinafter referred to as the Bank ) shall be

More information

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500

More information

Visa Business Card Disclosure Agreement

Visa Business Card Disclosure Agreement P.O. Box 8046 Madison, WI 53718-8308 (608) 243-5000 (800) 236-5560 Fax: (608) 243-5029 www.summitcreditunion.com TABULAR DISCLOSURE Annual Percentage Rate 8.00%* (APR for Purchases) Other APR s: Cash Advance

More information

Benton State Bank Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 Benton WI 53803 608-759-3600/608-965-3600/608-763-3600

Benton State Bank Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 Benton WI 53803 608-759-3600/608-965-3600/608-763-3600 Shullsburg Community Bank Tennyson/Potosi Community Bank 42 W Main PO Box 27 /608-965-3600/608-763-3600 Direct Deposit and Preauthorized Withdrawals New Information Regarding Your Account Agreement ELECTRONIC

More information

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE July 30, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION National Bank of Hastings Charter # 13857 241 West State Street

More information

Online (Internet) Banking Agreement and Disclosure

Online (Internet) Banking Agreement and Disclosure Online (Internet) Banking Agreement and Disclosure This Online (Internet) Banking Agreement and Disclosure ( the Agreement") explains the terms and conditions governing the basic Online Banking services

More information

IFRS Reference Quarterly Consolidated Financial Statements

IFRS Reference Quarterly Consolidated Financial Statements Quarterly Consolidated Financial Statements For the 6 months ended September 30, 2015 The statutory consolidated financial statements of Daiwa Securities Group Inc. filed under Financial Instruments and

More information

A Banker s Quick Reference Guide to CRA

A Banker s Quick Reference Guide to CRA Federal Reserve Bank of Dallas A Banker s Quick Reference Guide to CRA As amended effective September 1, 2005 This publication is a guide to the CRA regulation and examination procedures. It is intended

More information

REALSite FAQ for Possibilities CHECKING

REALSite FAQ for Possibilities CHECKING REALSite FAQ for Possibilities CHECKING 1. How do I deposit money? -Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch.

More information

Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312. Electronic Funds Transfer Disclosure

Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312. Electronic Funds Transfer Disclosure Huron Community Bank 301 Newman Street Po Box 312, East Tawas, MI 48730-0312 Electronic Funds Transfer Disclosure Electronic Fund Transfers Your Rights and Responsibilities The Electronic Fund Transfers

More information

Consolidated Summary Report <under Japanese GAAP>

Consolidated Summary Report <under Japanese GAAP> Consolidated Summary Report for the three months ended June 30, 2014 July 31, 2014 Company name: Mitsubishi UFJ Financial Group, Inc. Stock exchange listings: Tokyo, Nagoya, New York

More information

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION

PUBLIC DISCLOSURE COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION FEDERAL RESERVE BANK OF NEW YORK 0 PUBLIC DISCLOSURE October 15, 1996 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Community Bank of Bergen County 02-34-1865 125 West Pleasant Avenue Maywood, New

More information

The items published on the Internet Website upon the Notice of Convocation of the 148 th Ordinary General Meeting of Shareholders

The items published on the Internet Website upon the Notice of Convocation of the 148 th Ordinary General Meeting of Shareholders The items published on the Internet Website upon the Notice of Convocation of the 148 th Ordinary General Meeting of Shareholders Notes to Consolidated Financial Statements & Notes to Non-Consolidated

More information

1-3Q of FY2014 87.43 78.77 1-3Q of FY2013 74.47 51.74

1-3Q of FY2014 87.43 78.77 1-3Q of FY2013 74.47 51.74 January 30, 2015 Resona Holdings, Inc. Consolidated Financial Results for the Third Quarter of Fiscal Year 2014 (Nine months ended December 31, 2014/Unaudited) Code number: 8308 Stock

More information

CHANGE OF TERMS NOTICE TO ALL CUSTOMERS

CHANGE OF TERMS NOTICE TO ALL CUSTOMERS CHANGE OF TERMS NOTICE TO ALL CUSTOMERS This Change of Terms Notice to all Customers consists of four parts. Part I applies only to Consumer Deposit Account customers; Part II applies only to Ease by Bank

More information

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and

More information

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and our refer to INDEPENDENCE BANK The terms "you"

More information

Terms and Conditions of International Money Transfer Transactions by Raku-Raku Members

Terms and Conditions of International Money Transfer Transactions by Raku-Raku Members Terms and Conditions of International Money Transfer Transactions by Raku-Raku Members When using the Service shown in Article 2 provided by SBI Remit Co., Ltd. (hereinafter referred to as the Company

More information

"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.

You and your mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account. FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer

More information

The Sumitomo Warehouse Co., Ltd.

The Sumitomo Warehouse Co., Ltd. Consolidated Financial Results for the Year Ended March 31, 2014[ Japan GAAP ] May 13, 2014 The Sumitomo Warehouse Co., Ltd. Securities code: 9303 Stock exchange listings: URL: Representative: Inquiries:

More information

CONVERSION GUIDE. independent-bank.com

CONVERSION GUIDE. independent-bank.com CONVERSION GUIDE independent-bank.com The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to

More information

(Unofficial Translation) Consolidated Summary Report under Japanese GAAP for the Nine Months Ended December 31, 2011 February 13, 2012

(Unofficial Translation) Consolidated Summary Report under Japanese GAAP for the Nine Months Ended December 31, 2011 February 13, 2012 (Unofficial Translation) Consolidated Summary Report under Japanese GAAP for the Nine Months Ended December 31, 2011 February 13, 2012 Company Name: The Dai-ichi Life Insurance Company, Limited Stock exchange

More information

COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts

COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts COLUMBIA CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Business Accounts This Agreement is the contract that covers your and our rights and responsibilities concerning Electronic Fund

More information

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES

MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES MANISTIQUE FEDERAL CREDIT UNION CREDIT CARD AGREEMENT AND DISCLOSURES Is this Agreement the words you and your mean each and all of those who agree to be bound by this Agreement; Card means a VISA credit

More information

Online Banking Client Agreement and Disclosure Statement

Online Banking Client Agreement and Disclosure Statement Online Banking Client Agreement and Disclosure Statement Read this agreement carefully and print or download a copy for your files! In this agreement, "you," "your," and "yours" refer to each of you that

More information

Consolidated First Quarter Earnings Report[Japan GAAP]

Consolidated First Quarter Earnings Report[Japan GAAP] July 28, 2010 Consolidated First Quarter Earnings Report[Japan GAAP] For the June 30, 2010 Corporate Name: Hitachi Capital Corporation Stock Code: 8586 URL: http://www.hitachicapital.co.jp Stock Listing:

More information

H. R. 1224 AN ACT. To repeal the prohibition on the payment of interest on demand deposits, and for other purposes.

H. R. 1224 AN ACT. To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. TH CONGRESS 1ST SESSION H. R. AN ACT To repeal the prohibition on the payment of interest on demand deposits, and for other purposes. 1 Be it enacted by the Senate and House of Representa- tives of the

More information

Business Account Conversion Charts

Business Account Conversion Charts Business Account Conversion Charts 23 SIMPLE BUSINESS CHECKING $9 monthly maintenance fee 9 Relationship Rewards 2 If your balance does not fall below $400 and you choose three additional relationship

More information

To be The Most Convenient and Trustworthy Bank in Japan

To be The Most Convenient and Trustworthy Bank in Japan 24,185 OUTLETS The number of JApAN post BANk outlets in Japan special Feature To be The Most Convenient and Trustworthy Bank in Japan JApAN post BANk has continued to make consistent efforts to fulfill

More information

Consolidated Financial Results for the Fiscal Year Ended March 31, 2016 [under Japanese GAAP]

Consolidated Financial Results for the Fiscal Year Ended March 31, 2016 [under Japanese GAAP] This English version is a translation of the original Japanese document and is only for reference purposes. In the case where any differences occur between the English version and the original Japanese

More information

RATE SCHEDULE PROSPECTIVE ANNUAL PROSPECTIVE

RATE SCHEDULE PROSPECTIVE ANNUAL PROSPECTIVE Rate Schedule Effective as of: 10/01/2015 This (TIS) Rate and Fee Schedule and Share Certificate Disclosure sets forth certain conditions, rates, fees, and charges applicable to your Primary Share (Savings)

More information

The Kansai Electric Power Company, Incorporated and Subsidiaries

The Kansai Electric Power Company, Incorporated and Subsidiaries The Kansai Electric Power Company, Incorporated and Subsidiaries Consolidated Financial Statements for the Years Ended March 31, 2003 and 2002 and for the Six Months Ended September 30, 2003 and 2002 The

More information

Consumer and Community Affairs. Consumer Protection

Consumer and Community Affairs. Consumer Protection Consumer and Community Affairs The number of federal laws intended to protect consumers in credit and other financial transactions has been growing since the late 1960s. Congress has assigned to the Federal

More information

MAS Notice 635. 29 November 2013* NOTICE TO BANKS BANKING ACT, CAP 19 UNSECURED CREDIT FACILITIES TO INDIVIDUALS

MAS Notice 635. 29 November 2013* NOTICE TO BANKS BANKING ACT, CAP 19 UNSECURED CREDIT FACILITIES TO INDIVIDUALS MAS Notice 635 29 November 2013* NOTICE TO BANKS BANKING ACT, CAP 19 UNSECURED CREDIT FACILITIES TO INDIVIDUALS Introduction 1 This Notice is issued pursuant to section 55 of the Banking Act (Cap. 19)

More information

ACCOUNT DISCLOSURE AND TERMS & CONDITIONS

ACCOUNT DISCLOSURE AND TERMS & CONDITIONS I N D E P E N D E N T B A N K ACCOUNT DISCLOSURE AND TERMS & CONDITIONS independent-bank.com T A B L E O F C O N T E N T S Personal Accounts Rewards Checking... 2 Free Checking... 2 Personal Checking...

More information

California. Business Account Addenda

California. Business Account Addenda California Business Account Addenda Business Account Fee And Information Schedule Addenda Simple Business Checking Pricing Change, Effective April, 206 IOLTA/RETA Pricing Change, Effective April, 206 Wire

More information

Japan Exchange Group, Inc. and Consolidated Subsidiaries Consolidated financial results for nine months ended December 31, 2012, unaudited

Japan Exchange Group, Inc. and Consolidated Subsidiaries Consolidated financial results for nine months ended December 31, 2012, unaudited January 3, 213 Japan Exchange Group, Inc. and Consolidated Subsidiaries Consolidated financial results for nine months ended December 31, 212, unaudited Company name: Japan Exchange Group, Inc. (Previous:

More information

Guide to Japanese Taxes

Guide to Japanese Taxes Guide to Japanese Taxes CONTENTS 1. Introduction --------------------------------------------------------------------------------------------- 1 (1) Principle of Taxation under the Law (2) Self-Assessment

More information

How To Use A Credit Card At A Bank Account At A Credit Union

How To Use A Credit Card At A Bank Account At A Credit Union ELECTRONIC FUND TRANSFER DISCLOSURE CEFCU offers its members the opportunity to initiate and perform electronic fund transfer transactions. This Electronic Fund Transfer Disclosure document describes the

More information

My REWARDs CHECKING ACCOUNT CHANGE REQUEST

My REWARDs CHECKING ACCOUNT CHANGE REQUEST My REWARDs CHECKING ACCOUNT CHANGE REQUEST Date: Customer Name: Customer Account Number: Current Account Type: Branch I have a debit card Yes No If NO, card ordered: Debit Card tied to Account Number:

More information

Online Truth In Savings Disclosure Effective January 26, 2016 Member FDIC

Online Truth In Savings Disclosure Effective January 26, 2016 Member FDIC Online Truth In Savings Disclosure Effective January 26, 2016 Member FDIC This OneUnited Bank Online Truth In Savings Disclosure contains information about UNITY internet deposit accounts available only

More information

Fee Schedule for Business Accounts A Guide to Your Webster Account

Fee Schedule for Business Accounts A Guide to Your Webster Account Fee Schedule for Business Accounts A Guide to Your Webster Account At Webster, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make

More information

welcome NORTH AKRON SAVINGS BANK CUSTOMERS

welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome NORTH AKRON SAVINGS BANK CUSTOMERS welcome TO PEOPLES BANK! Remember why you chose a community bank? Chances are you wanted to have your financial services institution know you, know your particular

More information

DISCLOSURE REQUIRED BY BUREAU OF MONETARY AFFAIRS

DISCLOSURE REQUIRED BY BUREAU OF MONETARY AFFAIRS DISCLOSURE REQUIRED BY BUREAU OF MONETARY AFFAIRS Disclosures regulated in directives No. 89760330, No. 89764532 and No. 0936000140 issued by the Ministry of Finance were as follows: 1. Balance Sheet and

More information

This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made

This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made technical updates to the booklet to reflect new mortgage

More information

VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT

VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT I. INTRODUCTION. VERITY CREDIT UNION BUSINESS PLATINUM VISA CREDIT CARD AGREEMENT This Agreement covers your Business Platinum VISA Credit Card, issued by Verity Credit Union ( Lender ). In this Agreement

More information

1. CONSOLIDATED OPERATING RESULTS

1. CONSOLIDATED OPERATING RESULTS 1. CONSOLIDATED OPERATING RESULTS (1) Qualitative Information of Consolidated Performance 1. Overview of Consolidated Performance Three months ended June 30, 2014 (From April 1, 2014 to June 30, 2014)

More information

STATEMENT OF STANDARD ACCOUNTING PRACTICE FOREIGN CURRENCY TRANSLATION. (Issued April 1983)

STATEMENT OF STANDARD ACCOUNTING PRACTICE FOREIGN CURRENCY TRANSLATION. (Issued April 1983) Contents (Issued April 1983) Part 1 - Explanatory Note 1-32 Background 1 Objectives of translation 2 Procedures 3 The individual company stage 4-12 The consolidated financial statements stage 13-14 The

More information

Business Deposit Accounts Fee and Information Schedule

Business Deposit Accounts Fee and Information Schedule Business Deposit Accounts Fee and Information Schedule June 1, 2015 Contact Us www.bankbac.com Customer Service Department (877) 226-5820 Monday-Friday: 8am - 6pm Saturday 9am -12pm BAC Community Bank

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 214 Oil Well Road Jackson, TN 38305 PH: 731-664-1784 TF: 1-800-227-1893 www.leaderscu.com The following disclosures set forth your and our rights and responsibilities

More information

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer Accounts A Guide to Your Account At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make sure you understand

More information

Page 1417 TITLE 12 BANKS AND BANKING 2802

Page 1417 TITLE 12 BANKS AND BANKING 2802 Page 1417 TITLE 12 BANKS AND BANKING 2802 loans to the Corporation for such purpose in the same manner as loans may be made for insurance purposes under such section, subject to the maximum limitation

More information

First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 Fairhaven, MA 02719 508-999-1341 www.firstcitizens.org

First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 Fairhaven, MA 02719 508-999-1341 www.firstcitizens.org First Citizens' Federal Credit Union 200 Mill Road, Suite 100 PO Box 270 508-999-1341 www.firstcitizens.org YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure

More information

TITLE I SAFETY AND SOUNDNESS. Subtitle A Deposit Insurance Funds

TITLE I SAFETY AND SOUNDNESS. Subtitle A Deposit Insurance Funds Public Law 102-242 102d Congress An Act Dec. 19, 1991 [S. 543] Federal Deposit Insurance Corporation Improvement Act o f 1991. 12, USC 1811 note. To require the least-cost resolution o f insured depository

More information

For personal use only

For personal use only Rule 4.7B Quarterly report for entities admitted on the basis of commitments Name of entity Cordlife Ltd ABN Quarter ended ( current quarter ) 48 108 051 529 30 June 2011 Consolidated statement of cash

More information

Bankruptcy Evaluation - First National Bank of Grand Ridge, Illinois

Bankruptcy Evaluation - First National Bank of Grand Ridge, Illinois SMALL BANK Comptroller of the Currency Administrator of National Banks PUBLIC DISCLOSURE December 23, 2002 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The First National Bank Of Grand Ridge Charter

More information

LAW ON THE PROTECTION OF FINANCIAL SERVICES CONSUMERS

LAW ON THE PROTECTION OF FINANCIAL SERVICES CONSUMERS LAW ON THE PROTECTION OF FINANCIAL SERVICES CONSUMERS Chapter I GENERAL PROVISIONS Subject matter Article 1 This Law shall regulate the rights of consumers of financial services provided by banks, financial

More information

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE www.pulaskibankstl.com Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to. The terms "you"

More information

Japan Retail Fund Investment Corporation (Tokyo Stock Exchange Company Code: 8953) News Release January 25, 2016

Japan Retail Fund Investment Corporation (Tokyo Stock Exchange Company Code: 8953) News Release January 25, 2016 Japan Retail Fund Investment Corporation (Tokyo Stock Exchange Company Code: 8953) News Release January 25, 2016 (Note 1) Notice Concerning Acquisition of G-Bldg. Kyoto Kawaramachi 01 Mitsubishi Corp.

More information

INDIVIDUAL INCOME TAX RETURN

INDIVIDUAL INCOME TAX RETURN INDIVIDUAL INCOME TAX RETURN Income details for the ---- financial year. Did you earn any income through employment? Upload PAYGW certificate: Did you earn any allowances, tips or directors fees etc? Did

More information

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) $5 for each replacement Card You request; (b) $30 for each replacement Card that You request be

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures BRIDGEPORT SAGINAW CHESANING FREELAND AUBURN 800-772-8728 www.unitedfinancialcu.org The following disclosures set forth your and our rights and responsibilities concerning

More information

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS Please keep these Terms and Conditions handy and refer to them when you need to. And remember, whenever you have a question, you can call

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling are indicated below, some of which may not apply to your account. Direct Deposits you

More information

Insight into Your Checking and Savings Accounts

Insight into Your Checking and Savings Accounts Insight into Your Checking and Savings s Not everyone uses checking and savings accounts the same way. That is why we offer you a variety of options designed to meet your individual financial management

More information

For personal use only

For personal use only 31 st October 2013 The Manager Company Announcements Office Australian Stock Exchange Limited via ASX Online Total pages 6 Dear Sir, Re: cash flow report Enclosed, for release to the market, is a duly

More information

How To Pay A Personal Financial Charge In The United Kingdom

How To Pay A Personal Financial Charge In The United Kingdom Personal Financial Charges for Home and Investment Property Loans Effective 1 July 2011 Loan Establishment Fees Home Smart Establishment Fees 1, 2 $600 Loan Settlement Fee 3 $150 Valuation/Property Assessment

More information