2016 Member Benefits Booklet

Size: px
Start display at page:

Download "2016 Member Benefits Booklet"

Transcription

1

2

3 Dear Colleague: Enclosed are your 2016 member benefits offered through the SCDA Member Benefits Group. I hope both you and your staff find this booklet to be a helpful tool for your practice. As a reminder, the SCDA Member Benefits Group is the wholly owned subsidiary of the SCDA that oversees your member benefits. We have contracted with the enclosed companies to bring the best products and services exclusively to you at the most affordable prices. Not only do you receive discounts for working with these companies, but your association receives monies in the form of royalties which assist in keeping our membership dues low. As you can see, it s a win-win for all involved. You are most likely already using many of the products and services that you will locate in this booklet every day, but if you are not working with these particular companies, there s an excellent chance you are paying too much. When contacting these groups inform them that you are a member of the SCDA to learn more on exclusive discounts and savings. A wide array of benefits are enclosed, so be sure to take the time to review this booklet and ask that your Office Manager does the same. I would like to give a special thanks to CareCredit for helping to sponsor this year s benefits booklet. This company is endorsed by the SCDA and you can learn more about them in the enclosed pages. Last, but certainly not least, I would like to thank you for your membership with the SCDA and for your consideration in allowing the enclosed companies the chance to earn your business. Sincerely, Craig N. Little, DMD Chairman, SCDA Member Benefits Group, Inc. 120 Stonemark Lane Columbia, SC Fax

4 Table of Contents Life, Accident and Health Insurance Products... Page 3 Property and Casualty Insurance Products... Page 4 Accounts Receivables/Collections... Page 5 Amalgam Separators/Waste Compliance... Page 6 Amalgam Separators/Waste Compliance... Page 7 Business and Personal Credit Cards... Page 8 Credit Card Processing... Page 9 Dental Practice Loans... Page 10 Electronic Claims Processing... Page 11 Exam Gloves and Masks... Page 12 Global Hospital of Choice Air-Medical Transportation.. Page 13 Office Supplies... Page 14 Patient Financing*... Page 15 Payroll Processing... Page 16 Precious Metal Refining... Page 17 Website Development... Page 18 *Special thanks to CareCredit who assisted in sponsoring this booklet.

5 Got Insurance? Insurance Coverage Group Medical Plans Mark Brown Individual Medical Plans Tressa Crowley Professional Liability/Malpractice Insurance Deanna Slomzenski Disability, Life and Long Term Care Jeremy Withers Medical Bridge, Cancer, Accident & Critical Illness Will Greene Medicare Supplements Bill Pace

6 Member Benefits Booklet

7 Learn more at 5

8 DRNA The Number One Dental Care Waste Management Company Unique Discounts for South Carolina Dental Association Members! June 1st EPA Amalgam Rule takes effect and you can NOW LOCK IN WITH OUR SPECIAL DISCOUNTED DEPOSIT PROGRM Save NOW Install Later! ALSO SAVE ON THE NUMBER ONE CE COURSE BEING OFFERED ON ENVIRONMENTAL REGULATIONS 8 CE CREDITS AGD PACE APPROVED CALL NOW DO NOT DELAY BE IN COMPLIANCE & SAVE!!! Call ext. 17 *Offer expires May 31, Dental Recycling North America DRNA is the Leader in Dental Waste Management 6

9 We ve got amalgam separation down to a science. Hg chairs Hg5 MINI 1-4 chairs Hg5 HV chairs Removing mercury from the dental practice (and the environment) is a good thing - and we re way ahead of the game. When it comes to Amalgam Separation, no one knows more than Solmetex. 21 years ago, our experience in water science led us to create a system that easily and affordably removes amalgam waste from dental practices. Our signature product the Hg5 is the industry standard and has won more awards than all competitors combined. As a total solution provider, Solmetex takes care of waste handling and recycling so you don t have to. Good for you and good for the environment Member Benefit: With purchase of an Hg5 Amalgam Separator you will receive a free replacement container with recycling ($330 value). Solmetex clearly the leader in amalgam separation (800) SEE FOR YOURSELF 7

10 Rewards for You, Benefits for Your Practice The ADA Visa Signature Card Earn unlimited points 1 point for every net $1 spent everywhere Visa is accepted. 2 Earn 5X points on ADA net purchases! 2 Redeem points for your choice of valuable rewards. Other benefits include zero fraud liability 3 for unauthorized purchases, worldwide acceptance and more! Apply Today! GIFT $ Call ext Visit usbank.com/ada38326 Earn 5,000 Bonus Points after you make a purchase within the first 90 days! 1 1. To earn first use bonus, purchase must be made within 90 days of account open date. Bonus will be credited to your account 6-8 weeks after the end of the promotion period. This offer may not apply if your credit card has changed to a different type of card within the last 12 weeks or changes before bonus is applied. 2. Net purchases are purchases minus credits and returns. 3. U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. ADA Business Resources SM is a service mark of the American Dental Association. ADA Business Resources is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association. ADA is a registered trademark of the American Dental Association. The creditor and issuer of the American Dental Association Visa Signature Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc U.S. Bank National Association. All rights reserved. 8 USA-7440 ADA Ad for SCDA Member Booklet 2016.indd 1 12/10/15 2:52 PM AGENCY: INTERCROSS ( ) CLIENT: U.S. Bank PROJECT: USA-7440 ADA Ad for SCDA Member Booklet COLOR: CMYK TRIM SIZE: 5" x 8"

11 9 Out of 10 Practices are Paying Too Much for Payment Processing Is Yours One of Them? Your priority is treating your patients... our priority is saving you money. Join the thousands of practices that are saving real money with TransFirst. We find savings for 9 out of 10 SCDA members who take advantage of our FREE, no-obligation savings analysis an average of $1,302 in 2014!* Contact us at SCDA@TransFirst.com or for more information. Now Accept American Express at the same low rate as other cards. ** *Comparison applies to standard card organization fees only, not to include monthly equipment or software fees; practices must provide monthly merchant processing statements. **Practices that process less than $1,000,000 in American Express annual charge volume may be program-eligible; some restrictions and exclusions may apply. All accounts subject to credit approval. Trademarks are the property of their respective transactions only. 9

12 Wells Fargo Practice Finance Financing for your practice and so much more When you re ready to purchase or start a practice, count on Wells Fargo Practice Finance to help you achieve your goals: Up to 100% financing with preferred pricing for ADA members Complimentary planning resources and project support Complimentary short-term practice management consulting Let s talk about how we can support you. Call , or go to wellsfargo.com/adanewdentist to request your free New Practice Kit. Get your free New Practice Kit. Contact us today! Wells Fargo Practice Finance is the only practice lender selected especially for ADA members and endorsed by ADA Business Resources. SM All financing is subject to credit approval. ADA is a registered trademark of the American Dental Association. ADA Business Resources SM is a service mark of the American Dental Association. ADA Business Resources is a program brought to you by ADA Business Enterprises, Inc., a wholly owned subsidiary of the American Dental Association Wells Fargo Bank, N.A. All rights reserved. Wells Fargo Practice Finance is a division of Wells Fargo Bank, N.A ADA-NDN-December

13 25 Dental Claim Processing* FREE for 60 Days Promotion Code KCI2277 Not a Teaser Rate Real-time Processing Real-time Eligibility Electronic Attachments via NEA Free Software Free Training Free Support Free Installation No Setup Fees No Contracts No Commitments Works with Your Practice Management Software Why are you paying 50 or More? To Sign Up, Call: Opt. 1 or visit *.29 for non-members of a State Dental Association 11

14 Endorsed by Extensive selection of gloves, masks Special SCDA-member prices Free shipping every day! GLOVE & MASK SAVINGS Purchases support the SCDA! Powder-Free Nitrile Powder-Free Chloroprene Powder-Free Latex Powdered Latex Level 1, 2 and 3 Masks Ear Loop Tie To place an order, request free samples, or for more information please contact Association Gloves: or order online *All gloves are sold by the case, with 10 boxes per case FREE SHIPPING 12

15 Experience travel like never before with travel protection like you ve never seen. MedjetAssist offers the most comprehensive travel protection memberships available for your health, safety and security. Now travelers can explore that s right for you, and become a Medjet member today. Take trips. Not chances. Be prepared if a medical emergency interrupts your next trip. As a Medjet member, if you become hospitalized 150 miles or more from home and meet transport criteria, Medjet will arrange air medical transfer to your home-country hospital of choice at no additional cost. All you pay is your membership fee. Explore the world like never before with Medjet Horizon, the most comprehensive travel protection membership program in the world. Medjet Horizon includes all the crisis response. SCDA Members Save Up to $20 on Annual Medjet Memberships To Learn More and Become a Member, Visit MedjetAssist Online or Call Toll-Free: Medjet.com/SCDA When calling, mention SCDA for special rates. Rates listed above are for travelers under age

16 Member Benefits Booklet

17 When people need treatment now, they also need options now. The CareCredit credit card is a payment option that lets your patients choose the care that s best for them and helps them get started now without delay. * x4519 (new enrollment) (already enrolled) carecredit.com/dental * Subject to credit approval. SCDA Ad indd 1 11/18/1315 4:17 PM

18 Member Benefits Booklet

19 Now that s smart! TRY D-MMEX, CASH IN AND GET A BIG SURPRISE... A GREAT RETURN! SCDA Members earn a 5% premium Increase your income by maximizing your return on refining precious scrap metals. Getting started is easy! Send us these items: Failed crowns and bridgework Silver alloy powder Partials Grindings Casting flashes Platinum foil Extractor bags Floor sweepings Jewelry Current Rates: 97% Gold 90% Platinum and Silver 85% Palladium Endorsed by Request a free shipping kit!

20 It is if you re with us. From responsive design to social media, reputation tracking, and SEO, an Officite Web Presence comes with everything your practice needs to excel. If you re with us, we ve got you covered. If you re not, give us a call. You ve got our number. Preferred Provider Special pricing for SCDA members OFC_SCDA_MemberBenefitsBooklet_2016.indd 1 12/1/15 4:09 PM 18

21 Looking for More Information? Circle the products you would like more information on and mail this page back to: SCDA Member Benefits Group 120 Stonemark Lane Columbia, SC Name Phone Number Address Life, Accident and Health Insurance Products Property and Casualty Insurance Products Accounts Receivables/Collections Amalgam Separators/Waste Compliance Business and Personal Credit Cards Credit Card Processing Dental Practice Loans Electronic Claims Processing Exam Gloves and Masks Global Hospital of Choice Air-Medical Transportation Office Supplies Patient Financing Payroll Processing Precious Metal Refining Website Development 19

22 Contacting the SCDA 120 Stonemark Lane Columbia, SC Phone: Toll Free in SC: Fax: Website: scda.org Facebook: SCDental Make sure to check out the SCDA App! Available for Apple and Android Phones 20

23

24 120 STONEMARK LANE COLUMBIA, SOUTH CAROLINA (803) TOLL FREE IN SC (800) WEBSITE:

POWER ACCOUNT FEATURES

POWER ACCOUNT FEATURES POWER ACCOUNT FEATURES All three credit cards include exclusive programs and services. 6 Price protection and extended warranty programs Free identity theft resolution services Zero liability protection

More information

Norwegian Cruise Line MasterCard Program Rules

Norwegian Cruise Line MasterCard Program Rules Norwegian Cruise Line MasterCard Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your

More information

Consumer Pricing Information

Consumer Pricing Information Consumer Pricing Information Checking Package Options Minimum Opening Deposit Requirement to Waive ACCOUNT INFMATION 1. U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver,

More information

Deposit Accounts. Deposit Accounts

Deposit Accounts. Deposit Accounts Deposit Accounts Deposit Accounts Heritage Valley s local banking team provides personal service that takes the stress out of day-to-day finances. We are committed to providing an effortless banking experience

More information

How To Get Points From Worldpoints

How To Get Points From Worldpoints WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

www.authorityformula.com

www.authorityformula.com www.authorityformula.com 2010 SimpleWealth Inc. All rights reserved. Dear Homeowner, Trying to sell or lease your house can be a an extremely frustrating experience. This report is designed to help you

More information

Details of Rate, Fee, and Other Cost Information

Details of Rate, Fee, and Other Cost Information BankAmericard Cash Rewards Visa Signature Card Earn 3% cash back on gas, grocery and drugstore purchases for the first 6 months Introductory 0% APR only for Purchases for your first 12 billing cycles.

More information

City of Glendale KeenanDirect for Early Retirees Futuris Care for Medicare Eligible Retirees Overview September 3, 2015

City of Glendale KeenanDirect for Early Retirees Futuris Care for Medicare Eligible Retirees Overview September 3, 2015 City of Glendale KeenanDirect for Early Retirees Futuris Care for Medicare Eligible Retirees Overview September 3, 2015 Enrollment Calendar 2016 Covered California and the Federal Marketplace For Early

More information

U.S. Bank Checking Account Update

U.S. Bank Checking Account Update U.S. Bank Checking Account Update U.S. Bank checking account customers in Idaho, Kansas, Missouri and Nevada may experience an account update on the dates noted below. Updated account features many of

More information

Feel secure, no matter where you are.

Feel secure, no matter where you are. BENEFITS GUIDE RBC Rewards Visa Preferred Feel secure, no matter where you are. Enjoy a world of rewards and travel protection. RBC Rewards Visa Preferred offers you the flexibility and security of comprehensive

More information

Welcome to M&T Bank. How to get the most from your business accounts

Welcome to M&T Bank. How to get the most from your business accounts Welcome to M&T ank How to get the most from your business accounts 84519_usiness_r2.indd 1 12/9/15 2:27 PM 2 Table of Contents Table of Contents On November 1, 2015, Hudson City Savings ank ( HCS ) merged

More information

Putting You First. A guide to your new accounts and services

Putting You First. A guide to your new accounts and services Putting You First A guide to your new accounts and services FirstMerit is committed to putting you first. For more than 165 years, we ve delivered solutions that help our customers finance homes, pay for

More information

How To Get A Corestone Account In 2012

How To Get A Corestone Account In 2012 Every well-built financial plan is solid to the core Organize Your Finances, Simplify Your Life Greater wealth often brings greater complexity and makes overseeing your financial picture more challenging.

More information

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services Rewards Banking The more you bank, the more benefits you receive. Earn higher rates on select products Take advantage of account services Save with special discounts Get money back on select fees All Rabobank

More information

Small Business. Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK. Put us to work for you. www.bankofamerica.

Small Business. Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK. Put us to work for you. www.bankofamerica. Small Business Banking Reference Guide YOU RE THE BOSS, WE RE YOUR BANK Put us to work for you Welcome to the #1 Small Business Bank in America 1. We re here to give you easy, convenient and accessible

More information

A guide to InnoVision

A guide to InnoVision A guide to InnoVision Universal Life THE MANUFACTURERS LIFE INSURANCE COMPANY InnoVision insurance that fits your life Your decision to buy life insurance is a responsible choice made to protect the future

More information

Important Account Information

Important Account Information Important Account Information Account Information and Conversion Detail Guide for River Valley Financial Bank Clients Transitioning to German American Bank. This account information guide will help you

More information

How does the EMV Travel Prepaid Card work?

How does the EMV Travel Prepaid Card work? How does the EMV Travel Prepaid Card work? The EMV Travel Prepaid Card is a reloadable prepaid Visa Reloadable EMV Travel Prepaid Card, which means you can spend up to the value placed on the card anywhere

More information

Planning a trip? We have you covered, from travel insurance to managing your money.

Planning a trip? We have you covered, from travel insurance to managing your money. Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready

More information

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. WELCOME Citi Dividend World Elite tm MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. Here s how it works:

More information

BankAmericard Cash Rewards Program Rules

BankAmericard Cash Rewards Program Rules BankAmericard Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There s no additional

More information

Protect your credit. Guard your identity. BENEFITS GUIDE

Protect your credit. Guard your identity. BENEFITS GUIDE Protect your credit. Guard your identity. BENEFITS GUIDE Welcome to the Identity Watch Program Congratulations! You have taken an important step in safeguarding your identity from the impact of theft.

More information

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org GROUP MEDICARE PLANS GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS 2016 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org Coverage You Know and Trust If you ve worked with Health Alliance

More information

EXPERT: Brad Blackwell, Executive VP, Wells Fargo Home Mortgage. VIDEO DESCRIPTION: Refinancing is the best way to save money because

EXPERT: Brad Blackwell, Executive VP, Wells Fargo Home Mortgage. VIDEO DESCRIPTION: Refinancing is the best way to save money because WELLS FARGO BUSINESS INSIGHT SERIES VIDEO TITLE: Benefits of refinancing your mortgage MODERATOR: Rich Sloan, StartupNation EXPERT: Brad Blackwell, Executive VP, Wells Fargo Home Mortgage VIDEO DESCRIPTION:

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Accumulation Builder Choice SM IUL for Business Accumulation Builder Choice SM Indexed Universal Life for Business Owners Building your path to success As a small business owner,

More information

Macquarie Platinum Card

Macquarie Platinum Card Macquarie Platinum Card Features and Benefits Guide macquarie.com i Welcome Your privileges 2 Your card benefits at a glance 4 Macquarie Rewards 6 Complimentary insurance 8 Shop and pay with confidence

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 The Independent Bank charter was founded in 93 by a group of businessmen who wanted to form a local bank to serve the needs of their community. Independent Bank pledges

More information

Get connected with everything Checking has to offer. And get back to living.

Get connected with everything Checking has to offer. And get back to living. Get connected with everything Checking has to offer. And get back to living. INSIDE Member FDIC We make it easy. Get connected in 6 simple steps. Welcome Thank you for choosing Northwest. Let us walk you

More information

Consumer Pricing Information

Consumer Pricing Information king Package Checking Options Platinum Checking Gold Checking Silver Checking in 25 states Consumer Pricing Information,000 U.S. Bank t more than 23,000 Effective November 9, 2014 NKS (872.2657) 41 85

More information

NORTHWEST WRAP UP A GREAT DEAL ON MODEL YEAR-END CLOSEOUTS WHAT S INSIDE: www.nwfcu.org. Car Loan Rates as Low as 1.49% APR*

NORTHWEST WRAP UP A GREAT DEAL ON MODEL YEAR-END CLOSEOUTS WHAT S INSIDE: www.nwfcu.org. Car Loan Rates as Low as 1.49% APR* NORTHWEST FALL 2015 WRAP UP A GREAT DEAL ON MODEL YEAR-END CLOSEOUTS Car Loan Rates as Low as 1.49% APR* It s the time of year when car dealerships are trying to clear their inventory to make way for 2016

More information

CIBC PETRO-POINTS MasterCard

CIBC PETRO-POINTS MasterCard YOUR WELCOME KIT Welcome to your CIBC PETRO-POINTS MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC PETRO-POINTS MasterCard Card 1 Instant Fuel Savings and Great Rewards 1

More information

Your plan at your fingertips

Your plan at your fingertips WELCOME STATE OF MINNESOTA RETIREES Your plan at your fingertips Manage your plan, cut costs and feel confident when you get care Your medical plan benefits 6 Health and wellness 8 Tools, resources and

More information

Home Loans. Talk to us today.

Home Loans. Talk to us today. Home Loans Talk to us today. Since 1875 we ve helped more than half a million people buy their dream home. It s what we do best. With 140 years of home loan know-how, you won t find a more experienced

More information

Welcome to your CIBC Dividend Visa * Card

Welcome to your CIBC Dividend Visa * Card Welcome to your CIBC Dividend Visa * Card Turn your everyday spending into cash back rewards Get 2% cash back on all grocery purchases 1 Get started with your new cash back card 1. Activate your card Activate

More information

CORPORATE PARTNER PROSPECTUS. Connecting Members. Building Careers.

CORPORATE PARTNER PROSPECTUS. Connecting Members. Building Careers. 2 0 1 6 CORPORATE PARTNER PROSPECTUS Connecting Members. Building Careers. IAIP Connecting Members. Building Careers. The International Association of Insurance Professionals is dedicated to the development

More information

Perspectives. MobileBanking. AnytimeDeposit. MoneyDesktop. LiveChat. Live Chat is available Mon-Fri, 8 am-5 pm CST. Financial news you can use

Perspectives. MobileBanking. AnytimeDeposit. MoneyDesktop. LiveChat. Live Chat is available Mon-Fri, 8 am-5 pm CST. Financial news you can use Financial news you can use Perspectives Altra Federal Credit Union Member Newsletter Fall 2013 MobileBanking Check out Altra s Mobile Apps. Available for Android, ipad, and iphone. You can check your balances,

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

BankAmericard Privileges credit card with Travel Rewards Program Rules

BankAmericard Privileges credit card with Travel Rewards Program Rules BankAmericard Privileges credit card with Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program,

More information

CURIOUS HOW THIS MORTGAGE THING WORKS?

CURIOUS HOW THIS MORTGAGE THING WORKS? CURIOUS HOW THIS MORTGAGE THING WORKS? IMPORTANT INFORMATION ABOUT YOUR NEW HOME LOAN. WELCOME TO YOUR NEW MORTGAGE. WHAT S NEXT? Owning a home is a great feeling. And having a mortgage that you know works

More information

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS

ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS What is the ipayu Prepaid The ipayu Prepaid MasterCard provides parents with a convenient, safe way to send money to their students. Students can

More information

How To Get A Credit Union Credit Card

How To Get A Credit Union Credit Card the TELLERThird Quarter 2015 INSIDE 2 Tips to Protect Your Personal Account Information 3 Drive Happy off the Lot 4 Mobile Check Deposit is on the Way Student Loans Can Help Fill the Gap 5 Picture Your

More information

The 2016 Health Insurance Guide for Small Business

The 2016 Health Insurance Guide for Small Business The 2016 Health Insurance Guide for Small Business Fresh, outside-the-box solutions for changing times Presented by AC Forrest Insurance Group www.acforrest.com 1 The problem with traditional benefits

More information

AmaZing Cash FAQs. About the Program

AmaZing Cash FAQs. About the Program AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn

More information

Consumer & Business Pricing Addendum

Consumer & Business Pricing Addendum Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less

More information

A revolutionary new way to create income online

A revolutionary new way to create income online A revolutionary new way to create income online The world is changing faster than ever before Mobile Apps Social Internet Smart Electronic Affiliate Media Marketing Phones commerce Marketing These are

More information

Make your finances easier to manage

Make your finances easier to manage Financial Package Business Professionals Accountants (CPA), HEC Montréal, Lawyers and Notaries Make your finances easier to manage 02 FINANCIAL PACKAGE Business Professionals Understand, Plan, Act As a

More information

CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT

CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement.

More information

Checking Services (Share Draft Accounts)

Checking Services (Share Draft Accounts) Checking Services Checking Services (Share Draft Accounts) UCF FCU makes simple and convenient. Our accounts (called share draft accounts), offer flexible choices to access funds and make purchases - pay

More information

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by:

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by: Synergy Global Advantage Gold Fixed Indexed Universal Life Insurance Consumer Brochure Distributed by: ADV 1188 (12-2011) Fidelity & Guaranty Life Insurance Company Rev. 09-2014 14-680 Synergy Global Advantage

More information

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue Smarter Financing for Smarter Business Your business. Your credit card. Your way. Business Edition Visa Card with Absolute Rewards Business Edition Visa Card Small Business with up to $5MM annual revenue

More information

PNC Health Savings Account

PNC Health Savings Account PNC Health Savings Account FREQUENTLY ASKED QUESTIONS Thank you for choosing PNC to be your HSA provider. Enclosed is everything you need to know about opening your account. Should you have questions about

More information

Kevin Hayler. Where I m from

Kevin Hayler. Where I m from THE PROPOSITION Where I m from I ve worked in the Credit Card industry for over 17 years, starting in 1995 with Barclaycard as a Sales Manager, progressing through the ranks before moving to Bank of Scotland

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

How To Get A Discount On A Car From A Car Dealership

How To Get A Discount On A Car From A Car Dealership S ERVICE TO THE S TUDENT, THE S CHOOL, THE P ROFESSION, AND THE COMMUNITY PHI ALPHA DELTA LAW MEMBER BENEFITS FOR A COMPLETE LISTING OF MEMBER BENEFITS VISIT WWW.PAD.ORG PHI ALPHA DELTA LAW FRATERNITY,

More information

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice TIAA-CREF Brokerage Services Invest with TIAA-CREF Brokerage Services Simplicity, Flexibility and Choice TIAA-CREF: Dedicated to the long-term financial well-being of the people we serve TIAA-CREF is dedicated

More information

Any earnings portrayed in any Talk Fusion marketing materials are not necessarily representative of the income, if any, that a Talk Fusion Associate

Any earnings portrayed in any Talk Fusion marketing materials are not necessarily representative of the income, if any, that a Talk Fusion Associate 1 WELCOME At Talk Fusion, we understand that our Independent Associates are the most important element of our business when you succeed, we succeed. So we ve designed an incredibly rewarding and straightforward

More information

Act Now! GIVE YOUR FAMILY PEAK PROTECTION. Group Long Term Disability Insurance Conversion Plan Kit

Act Now! GIVE YOUR FAMILY PEAK PROTECTION. Group Long Term Disability Insurance Conversion Plan Kit Act Now! You must apply within 60 days of termination. GIVE YOUR FAMILY PEAK PROTECTION Group Long Term Disability Insurance Conversion Plan Kit Customer Service Center 888-262-6873 Monday through Friday

More information

Helping to Protect Your Family And Secure Your Future

Helping to Protect Your Family And Secure Your Future GuiFinal 6/18/07 11:47 AM Page 1 Helping to Protect Your Family And Secure Your Future Group Universal Life Insurance Developed for the Employees of County of Fresno GuiFinal 6/18/07 11:47 AM Page 2 GuiFinal

More information

Group Benefits A PRACTICAL FINANCIAL GUIDE AFTER THE LOSS OF A LOVED ONE.

Group Benefits A PRACTICAL FINANCIAL GUIDE AFTER THE LOSS OF A LOVED ONE. Group Benefits A PRACTICAL FINANCIAL GUIDE AFTER THE LOSS OF A LOVED ONE. After a death in the family, survivors are often faced with unfamiliar decision-making responsibilities. When someone you love

More information

New Agent Orientation. Core Business

New Agent Orientation. Core Business New Agent Orientation Core Business Core Business Focus 1. Mortgage Protection 2. Final Expense 3. Annuities Business Development 1. Core Business Lead Source 1. Mortgage Protection Data Leads 2. Secondary

More information

7.90% to 17.90% when you open your account, based on your creditworthiness. 17.90%

7.90% to 17.90% when you open your account, based on your creditworthiness. 17.90% VISA APPLICATION AND SOLICITATION DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances Visa Platinum 7.90% to 17.90%

More information

Why Your Business Needs a Website: Ten Reasons. Contact Us: 727.542.3592 Info@intensiveonlinemarketers.com

Why Your Business Needs a Website: Ten Reasons. Contact Us: 727.542.3592 Info@intensiveonlinemarketers.com Why Your Business Needs a Website: Ten Reasons Contact Us: 727.542.3592 Info@intensiveonlinemarketers.com Reason 1: Does Your Competition Have a Website? As the owner of a small business, you understand

More information

BankAmericard Privileges with Cash Rewards Program Rules

BankAmericard Privileges with Cash Rewards Program Rules BankAmericard Privileges with Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There

More information

Cash Back FAQs on txu.com

Cash Back FAQs on txu.com Cash Back FAQs on txu.com Cash Back Loyalty Reward When will I get my cash back? You should receive your Cash Back Loyalty Reward before the end of February. Cash Back Loyalty Reward Can I pay my TXU Energy

More information

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account K-8360 points PNC Flex T&C PNC points Program Terms and Conditions as of October 17, 2015 BASIC TERMS DEFINED Program Credit Card, Card Credit Card Account You, your, Cardholder We, our, us, PNC Bank,

More information

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford Virginia A guide for individuals and families CoventryOne is an individual product (for individuals and families) offered by Coventry Health Care, an Aetna company. The health insurance benefits you want,

More information

A guide to help you make the most of Your Choice. Employee Guide

A guide to help you make the most of Your Choice. Employee Guide A guide to help you make the most of Your Choice Employee Guide This guide is to help you understand a bit more about Your Choice. This is the total package of benefits that you may be eligible for as

More information

Spring Deals are Blooming

Spring Deals are Blooming Money Matters A newsletter for First Credit Union members. March 2016 Spring Deals are Blooming April 9 & 10, 2016 Saturday, 9am - 6pm Sunday, 10am - 5pm 1 % Cash Back Up to $500 * Join us for the 2 day

More information

REPOSSESSION TIME LINE

REPOSSESSION TIME LINE This communication is made available by Colorado Legal Services, Inc., (CLS), as a public service and is issued to inform not to advise. No person should attempt to interpret or apply any law without the

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Business Account Fee and Information Schedule. What you need to know about your account

Business Account Fee and Information Schedule. What you need to know about your account Account Fee and Information Schedule What you need to know about your account Effective April 29, 2016 Table of contents Introduction............................................... 1 Banking services

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Life Insurance Company

Life Insurance Company Losing your group health and dental coverage? We have solutions. Plans underwritten by The Manufacturers Life Insurance Company Health and dental benefits are often taken for granted. Until they end. Are

More information

CIBC TELUS Rewards Visa * Card

CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless

More information

A Guide To Protecting Your Future

A Guide To Protecting Your Future A Guide To Protecting Your Future Why Do You Need Insurance? What Do You Have To Protect? Protection for today- Health Insurance Protect you and your family day-to-day Disability Insurance Protect your

More information

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Life insurance with great cash values at affordable prices.

Life insurance with great cash values at affordable prices. Kansas Cit y Life Insurance Company Life insurance with great cash values at affordable prices. Life insurance is usually purchased for the protection provided to loved ones. However, permanent life insurance

More information

Your Bank + Elan Financial Services =

Your Bank + Elan Financial Services = Your Bank + Elan Financial Services = Credit Card Issuing Alliance Leveraging the power of your brand. Strengthening your suite of credit card products. Partnership for your success. Collaborative Partnership

More information

CUNA Mutual Group, 1991, 2006, 09, 10, ALL RIGHTS RESERVED 1 of 6 DKYBB4 (MXC500 CCM001)-e

CUNA Mutual Group, 1991, 2006, 09, 10, ALL RIGHTS RESERVED 1 of 6 DKYBB4 (MXC500 CCM001)-e CONSUMER CREDIT CARD AGREEMENT In this Agreement, "Agreement" means this Consumer Credit Card Agreement. "Disclosure" means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

The Beginner s Guide to Local Internet Marketing

The Beginner s Guide to Local Internet Marketing The Beginner s Guide to Local Internet Marketing Presented By: Ponte Marketing Local Marketing in 2013 Not too long ago it used to be really simple to market your business.but pretty expensive. You had

More information

MasterCard Special Edition

MasterCard Special Edition 2015 An Empower Federal Credit Union publication. MasterCard Special Edition Important details about our MasterCard conversion. Message From The President John Wakefield President/CEO Why MasterCard? For

More information

May 11, 2016. Re: Notice of a Data Breach. Dear

May 11, 2016. Re: Notice of a Data Breach. Dear Processing Center P.O. BOX 141578 Austin, TX 78714 May 11, 2016 Re: Notice of a Data Breach Dear Kalamazoo College is committed to maintaining the privacy and security of our current and former employees

More information

Get connected with everything Checking has to offer. And get back to living. INSIDE. We make it easy. Get connected in 6 simple steps.

Get connected with everything Checking has to offer. And get back to living. INSIDE. We make it easy. Get connected in 6 simple steps. Get connected with everything Checking has to offer. And get back to living. INSIDE We make it easy. Get connected in 6 simple steps. Welcome Thank you for choosing Northwest. Let us walk you through the

More information

VentureOne Miles Rewards Credit Card - Disclosures Capital One

VentureOne Miles Rewards Credit Card - Disclosures Capital One Page 1 of 10 Menu Search VentureOne Rewards Credit Card Disclosures More Information: Capital One Important Disclosures for your VentureOne Rewards Credit Card CAPITAL ONE IMPORTANT DISCLOSURES Interest

More information

CMA Affinity Program Offers

CMA Affinity Program Offers CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer

More information

Checking & Savings Accounts. Essentials for your financial success

Checking & Savings Accounts. Essentials for your financial success Checking & Savings Accounts Essentials for your financial success The foundation for your financial success starts here Establishing a savings and checking account at Travis Credit Union is an introduction

More information

NetEffect. Serving the Financial Needs of Healthcare Providers. First Mortgage Home Loans We ll Make Sure You Get The Right One To Fit Your Needs

NetEffect. Serving the Financial Needs of Healthcare Providers. First Mortgage Home Loans We ll Make Sure You Get The Right One To Fit Your Needs www.healthnetfcu.org Main Office: 1591 Chickering Ln. Cordova, TN 38016 Fax: (901) 226-1122 Walnut Grove Branch: 6025 Walnut Grove Suite 612 Memphis, TN 38120 Fax: (901) 762-0001 Southaven Branch: 84 Airways

More information

SINGLE PREMIUM LIFE. PRODUCER GUIDE For Agent use only. The Solution Before life presents the problem. SPL190

SINGLE PREMIUM LIFE. PRODUCER GUIDE For Agent use only. The Solution Before life presents the problem. SPL190 SINGLE PREMIUM LIFE TM PRODUCER GUIDE For Agent use only The Solution Before life presents the problem. SPL190 1 Based in Phoenix, Arizona, Oxford Life Insurance Company (Oxford Life) is a life and health

More information

Are you enrolled in estatements yet? If you are, you're already entered to win one of fifty: $50 Visa gift cards!

Are you enrolled in estatements yet? If you are, you're already entered to win one of fifty: $50 Visa gift cards! February 2013 In this issue: $50 for 50 Members Discounted Tax Prep and Enter to Win Enroll in PFCU Mobile Banking today! Protect Your Credit Score When Closing Credit Cards Are you taking advantage of

More information

SYNERGY WORLDWIDE MEGA-MATCH COMPENSATION PLAN UNITED STATES (ENGLISH) JANUARY 2015. 1 COLORg PMS 299. 4 COLORg CMYK (77, 11, 0, 0)

SYNERGY WORLDWIDE MEGA-MATCH COMPENSATION PLAN UNITED STATES (ENGLISH) JANUARY 2015. 1 COLORg PMS 299. 4 COLORg CMYK (77, 11, 0, 0) 4 COLORg CMYK (77, 11, 0, 0) SYNERGY WORLDWIDE MEGA-MATCH COMPENSATION PLAN UNITED STATES (ENGLISH) JANUARY 2015 COLORS PRIMARY LOGO 1 COLORg PMS 299 MEGA-MATCH COMPENSATION PLAN UNITED STATES (ENGLISH)

More information

Help protect, grow and diversify your retirement money

Help protect, grow and diversify your retirement money Help protect, grow and diversify your retirement money Symetra Edge Pro Fixed Indexed Annuity Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA/NCUSIF

More information

The Brokers & Planners Guide to Group Health Benefits

The Brokers & Planners Guide to Group Health Benefits health spending accounts for small business The Brokers & Planners Guide to Group Health Benefits www.myrhsa.com Smart Plan Design of is a breakthrough for small business producing $2 or more in benefits

More information

VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT

VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT M-117785 (04/16) VISA PLATINUM CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION - VISA PLATINUM Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases 3.99%

More information

CITIZENS AND BUSINESSES OF ST. CHARLES COUNTY:

CITIZENS AND BUSINESSES OF ST. CHARLES COUNTY: CITIZENS AND BUSINESSES OF ST. CHARLES COUNTY: The St. Charles County Prosecuting Attorney s Office Bad Check Unit assists citizens in the collection and prosecution of bad checks given to them in St.

More information

Introduces... The Prepaid. Current Account. in association with. Simple, no surprises banking

Introduces... The Prepaid. Current Account. in association with. Simple, no surprises banking Introduces... The Prepaid Current Account in association with Simple, no surprises banking Introducing the Prepaid Current Account If you are trying to manage your finances as best as possible, the last

More information

16.24% This APR will vary with the market based on the prime rate.

16.24% This APR will vary with the market based on the prime rate. PNC PREMIER TRAVELER SM VISA SIGNATURE IMPORTANT INFORMATION ABOUT RATES AND FEES Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 16.24% This APR will vary with the market

More information