Dirécto a México & FedGlobal ACH Payments

Size: px
Start display at page:

Download "Dirécto a México & FedGlobal ACH Payments"

Transcription

1 Dirécto a México & FedGlobal ACH Payments Directo a México Conference Federal Reserve Bank of Atlanta December 1-2, 2010 Elizabeth McQuerry Federal Reserve Retail Payments Office Copyright Federal Reserve Bank of Atlanta (USA) 2010

2 Topics FedGlobal Directo a México Account2Receiver Marketing Options 2

3 FedGlobal ACH Payments 3

4 Where We Are Multi-country reach 34 countries across Americas and Europe Varied payment options Account to Account (A2A) and Account to Receiver (A2R) payments Multi-currency Varied foreign exchange types Varied marketing options financial institutions can customize marketing campaigns 4

5 How We Got Here Collaboration Directo a México source of many innovations in FedGlobal ACH Payments First white label First web site oriented to a particular service Development of F3X payments Development of A2R payments 5

6 FedGlobal SM Gateway Partners Country/Region Canada Europe Mexico Panama Other Latin America Bank of Nova Scotia DZ Bank Equens (Third Party Service Provider) Banco de Mexico Banco Nacional de Panama Telered (Third Party Service Provider) Foreign Gateway Operator Banco Rendimento Micro-Finance International Corporation (Third Party Service Provider) 6

7 Service Areas and Timelines Region Countries Funds to RDFI Europe Canada Central America South America Austria, Belgium, Cyprus, Czech Rep., Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxemburg, Malta, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden Switzerland, United Kingdom D + 2 F3X (Euro and UK Pound) D + 1 Canada D + 1 Mexico (A2A and A2R) D + 1 Mexico F3X (Mexican Peso) D + 1 Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua (A2R) D + 1 Panama D + 1 Argentina, Brazil, Columbia, Peru, Uruguay (A2R) D + 1 7

8 Foreign Exchange Website Foreign Exchange Rates posted daily, by country. Currency and Country Codes are included. A calculator is provided to determine foreign currency amounts. Users can download an archive of rates for a period up to 1 year. 8

9 Per Item Surcharges Forward Credit Return Trace Request Canada $0.62 $0.99 $5.50/$7.00 Europe $1.25 $1.35 $7.00 Mexico (A2A) $0.67 $0.91 $13.50 Mexico (A2R) $3.45 $0.91 $13.50 Other Latin America (A2R) $4.40 $0.72 $5.00 Panama $0.72 $1.00 $7.00 9

10 FedGlobal Compliance FedGlobal monitors payments processed and maintains a compliance program aimed at ensuring that payments transacted over the service are compliant with U.S. laws and regulations. The FRBA compliance program includes: 1) Transaction monitoring for Anti-Money Laundering and OFAC compliance at the aggregate level 2) Transaction monitoring for limits on the payment value by originator, where applicable 3) Establishing compliance obligations for payment processing in agreements with gateway operators and third-party service providers and reviews of service and country risk 10

11 Directo a México 11

12 Features Uses cost-efficient ACH Certainty of payment Low-cost fees Attractive foreign exchange 2 options for beneficiary to receive funds Ability to trace funds Marketing options 12

13 Mexico (A2A) Mexico (A2R) Other Latin American (A2R) From where Any account in the U.S. Any account in the U.S. Any account in the U.S. To where Funds Availability FX Rate Transfer Amount Fee to U.S. ODFI - Any account at Mexican banks -Many de la Gente accounts Pick up funds at any Telecomm location Pick up funds at select banks in Argentina, Brazil, Colombia, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Peru, Uruguay Next business day Next business day Next business day Mexico Wholesale Rate less 0.21% Mexico Wholesale Rate less 0.21% USD delivery to 6 countries & competitive rate No limit $1,000 per item $1,000 per item $0.67 $3.45 $4.40 Fee to Receiver $0.00 $0.00 $

14 . A2A Payment Processing Flow Dallas, Texas: Monday Maria goes to her credit union to send money to her mother NACHA IAT U.S. Federal Reserve Bank. Celaya, Guajuato. Tuesday Any bank in Mexico, including Bansefi and Banco de México 14 14

15 Maria wants to send $360 dollars to her mother Traditional Remittance Directo a México Amount Cost of the Transfer Pesos per Dollar (Exchange Rate) x x Amount received by Maria s Mother 4, , My mother will receive more pesos if I use Directo a Mexico. I can also put the $5 dollars that I saved on the transfer into my savings account. Total Commission in Dollars *Toma como referencia el Fix publicado por Banco de México el 24 de marzo de

16 Annual Savings María sends $360 dollars to her mother each month Example in U.S. Dollars Cost of Transfer Exchange Rate Commission Total Fee Savings for Maria* Annual Benefit to Mother (USD) Traditional Transfer Directo a México Savings with Directo a México Example based on actual data for March 24,

17 Value to Maria s Mother 17

18 Progress to Date 35,000 $20,000,000 30,000 25,000 Transactions (left scale) $17,500,000 $15,000,000 20,000 $12,500,000 15,000 10,000 Value (USD) (right scale) Total No. of Transactions 2,175,451 Total Value Transferred $1,014,872,174 $10,000,000 $7,500,000 $5,000,000 5,000 $2,500,000 0 $- 18

19 A2R 19

20 . A2R Payment Processing Flow Dallas, Texas: Monday Maria goes to her credit union to send money to her mother NACHA IAT U.S. Federal Reserve Bank. More than 6,000 Points of Payment throughout Latin America - Tuesday A2R Payor Locations Banco de México or MFIC 20 20

21 Payer Locations Region Country Payer(s) Number of Locations by Country North America Mexico Telecomm 1,600 Central America Costa Rica Banco Uno 19 El Salvador Banco Cuscatlan, Banco Uno, FedeCredito, ScotiaBank 310 Guatemala Banco Industrial, Banco Uno, Banrural, Banco Cuscatlan, Banco G&T Continental, Banco Agromercantil, Banco de Antigua 1,550 Honduras Banco Atlantida, Banco Uno, Banhcafe, Banpro 273 Nicaragua Banco Uno, Findesa, Banpro, Bancentro 145 South America Argentina BBVA Banco Frances 260 Brazil Banco Rendimento 473 Colombia BanColombia, Banco Davivienda 1,170 Peru BCP-Banco de Credito del Peru, InterBank, MiBanco 1,365 Uruguay BBVA 9 21

22 Destinations and Currencies Region Country Destination Currency Foreign Exchange (FX) Option North America Mexico Pesos FV Central America Costa Rica USD FF El Salvador USD FF Guatemala Quetzal FV Honduras Lempira FV Nicaragua USD FF South America Argentina USD FF Brazil Real FV Colombia Peso FV Peru USD FF Uruguay USD FF 22

23 Sending an A2R Payment 23

24

25 Picking Up an A2R Payment Valid photo identification documents by destination country Country Argentina Brazil Columbia Costa Rica El Salvador Guatemala Honduras Mexico Peru Uruguay Unique Receiver ID Requirements National Identity Card Individual Registry Card Citizenship Card National Identity Card Unique Identification Card National Residence Card National Identity Card National Identity Card or Matricula Consular National Identity Card National Identity Card 25

26 Value Limits by Originator Each Account-to-Receiver (A2R) item is limited to a value of $1,000 USD. Rolling cumulative value limits by originator also apply to the A2R service. U.S. ODFIs should monitor their own originators against these limits. If an originator attempts to circumvent these limits by utilizing more than one U.S. ODFI, transaction monitoring will detect this and the affected U.S. ODFI(s) will be notified. 26

27 Marketing 27

28 White Brand Options Directo a Mexico GlobeNow Focus Mexico only Any combination of FedGlobal service destinations Payment Types Account to Account Account to Receiver Account to Account Account to Receiver Collateral Material Poster Brochure (Banco de Mexico will provide) Website Poster available now Brochure (2011) Cost Complementary to registered FIs Complementary to registered FIs Consumer Oriented Yes Yes new look 28

29 Directo a México Templates for brochures and posters Authorized use of logo on FI website and other marketing collateral Link to FI website on 29

30 30

31 - suite of options CanadaConnection SM materials also available. 31

32 - New A2R focus LOGO Text 32

Total Domestic Factoring FCI 594, , , , , , , %

Total Domestic Factoring FCI 594, , , , , , , % Accumulative Turnover Figures for All FCI Members Compared to Worldwide Factoring Turnover (in Millions of EUR and USD) EUR EUR EUR EUR EUR EUR EUR INCREASE 2006 2007 2008 2009 2010 2011 2012 2011/2012

More information

Overview menu: ArminLabs - DHL Medical Express Online-Pickup: Access to the Online System

Overview menu: ArminLabs - DHL Medical Express Online-Pickup: Access to the Online System Access to the Online System Overview menu: Create shipment: Preselected - Here you can order your shipment including the Pickup 0049 821 78093150 ArminLabs DHL Medical Express Online-Pickup-Manual DHL

More information

Appendix 1: Full Country Rankings

Appendix 1: Full Country Rankings Appendix 1: Full Country Rankings Below please find the complete rankings of all 75 markets considered in the analysis. Rankings are broken into overall rankings and subsector rankings. Overall Renewable

More information

Evolution of EU exports and imports of goods with CELAC, 2004-2014 (in billion)

Evolution of EU exports and imports of goods with CELAC, 2004-2014 (in billion) 100/2015-9 June 2015 EU Community of Latin American and Caribbean States (CELAC) summit CELAC represents the fifth most important trading partner of the EU More than 200 bn total trade The 28 Member States

More information

Disbursement Processing Tools for Success

Disbursement Processing Tools for Success Disbursement Processing Tools for Success Alexandra ( Alex ) Keene Group Product Manager Jim Jezowski Product Sales Specialist Agenda Payment methods benefits / disadvantages Solutions to address payment

More information

Tourism Statistical Yearly Report 2012

Tourism Statistical Yearly Report 2012 Tourism Statistical Yearly Report 2012 The Costa Rica Tourism Board is pleased to present the Tourism Statistical Yearly Report 2012. The information has been collected and organized by officers of Subproceso

More information

Reporting practices for domestic and total debt securities

Reporting practices for domestic and total debt securities Last updated: 4 September 2015 Reporting practices for domestic and total debt securities While the BIS debt securities statistics are in principle harmonised with the recommendations in the Handbook on

More information

Energy Briefing: Global Crude Oil Demand & Supply

Energy Briefing: Global Crude Oil Demand & Supply Energy Briefing: Global Crude Oil Demand & Supply November 6, 215 Dr. Edward Yardeni 516-972-7683 eyardeni@ Debbie Johnson 48-664-1333 djohnson@ Please visit our sites at www. blog. thinking outside the

More information

International ACH: Payment Gateway to Europe

International ACH: Payment Gateway to Europe International ACH: Payment Gateway to Europe Treasury Symposium St. Petersburg Florida Tuesday, January 27 Concurrent Session 16 10:15am 11:30am International ACH: Payment Gateway to Europe Presenters:

More information

THE LOW INTEREST RATE ENVIRONMENT AND ITS IMPACT ON INSURANCE MARKETS. Mamiko Yokoi-Arai

THE LOW INTEREST RATE ENVIRONMENT AND ITS IMPACT ON INSURANCE MARKETS. Mamiko Yokoi-Arai THE LOW INTEREST RATE ENVIRONMENT AND ITS IMPACT ON INSURANCE MARKETS Mamiko Yokoi-Arai Current macro economic environment is of Low interest rate Low inflation and nominal wage growth Slow growth Demographic

More information

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country.

Know the Facts. Aon Hewitt Country Profiles can help: Support a decision to establish or not establish operations in a specific country. Aon Hewitt Country Profiles Your eguide to employment requirements and practices Profiles for nearly 90 countries worldwide Risk. Reinsurance. Human Resources. Know the Facts Whether you are a newcomer

More information

U.S. Trade Overview, 2013

U.S. Trade Overview, 2013 U.S. Trade Overview, 213 Stephanie Han & Natalie Soroka Trade and Economic Analysis Industry and Analysis Department of Commerce International Trade Administration October 214 Trade: A Vital Part of the

More information

International Hints and Tips

International Hints and Tips International Hints and Tips Content Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated

More information

Gap Banana Republic Old Navy Athleta Intermix. Stores Online (countries) Stores Online (countries) Stores Online (countries) Stores Franchise Stores

Gap Banana Republic Old Navy Athleta Intermix. Stores Online (countries) Stores Online (countries) Stores Online (countries) Stores Franchise Stores Gap Inc.'s Global Footprint As of the end of Q3 2016, Gap Inc. had 3,742 company operated or franchised stores in operation across 50 countries and our global brands have the ability to ship online orders

More information

The 2016 World Forecasts of Aluminum Doors, Windows, Door Thresholds, and Window Frames Export Supplies

The 2016 World Forecasts of Aluminum Doors, Windows, Door Thresholds, and Window Frames Export Supplies Brochure More information from http://www.researchandmarkets.com/reports/3279121/ The 2016 World Forecasts of Aluminum Doors, Windows, Door Thresholds, and Window Frames Export Supplies Description: This

More information

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM

Chase Online SM Wire Transfer Help Guide page 1 of 16. How to Send Wire Transfers on Chase Online SM Chase Online SM Wire Transfer Help Guide page 1 of 16 How to Send Wire Transfers on Chase Online SM For a convenient, secure and quick way to send money directly to someone s bank account, use a wire transfer

More information

Senate Committee: Education and Employment. QUESTION ON NOTICE Budget Estimates 2015-2016

Senate Committee: Education and Employment. QUESTION ON NOTICE Budget Estimates 2015-2016 Senate Committee: Education and Employment QUESTION ON NOTICE Budget Estimates 2015-2016 Outcome: Higher Education Research and International Department of Education and Training Question No. SQ15-000549

More information

Credit & Debit Card Payments. Factsheet

Credit & Debit Card Payments. Factsheet Credit & Debit Card Payments Factsheet Contents 1. Card Types... 2 2. Supported countries... 2 3. First Funding via Credit / Debit Card... 3 4. Transaction Currencies... 4 5. Currency Conversion... 4 6.

More information

SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments

SEPA. Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA Changes in the Payment System Implementation of the European SEPA Regulations for Kuna and Euro Payments SEPA The Single Euro Payments Area (SEPA) stands for a European Union (EU) payments integration

More information

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155

Region Country AT&T Direct Access Code(s) HelpLine Number. Telstra: 1 800 881 011 Optus: 1 800 551 155 Mondelēz International HelpLine Numbers March 22, 2013 There are many ways to report a concern or suspected misconduct, including discussing it with your supervisor, your supervisor s supervisor, another

More information

Supported Payment Methods

Supported Payment Methods Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit

More information

FedEx International Priority. FedEx International Economy 3

FedEx International Priority. FedEx International Economy 3 SERVICES AND RATES FedEx International Solutions for your business Whether you are shipping documents to meet a deadline, saving money on a regular shipment or moving freight, FedEx offers a suite of transportation

More information

Supported Payment Methods

Supported Payment Methods Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not

More information

Digital TV Research. http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample

Digital TV Research. http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample Digital TV Research http://www.marketresearch.com/digital-tv- Research-v3873/ Publisher Sample Phone: 800.298.5699 (US) or +1.240.747.3093 or +1.240.747.3093 (Int'l) Hours: Monday - Thursday: 5:30am -

More information

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015

The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 The big pay turnaround: Eurozone recovering, emerging markets falter in 2015 Global salary rises up compared to last year But workers in key emerging markets will experience real wage cuts Increase in

More information

Clinical Trials. Local Trial Requirements

Clinical Trials. Local Trial Requirements Clinical Trials Clinical trials insurance covers the legal liabilities of the insured in respect of clinical trials for bodily injury arising from the trial. The coverage provided by Newline is on the

More information

The World Market for Medical, Surgical, or Laboratory Sterilizers: A 2013 Global Trade Perspective

The World Market for Medical, Surgical, or Laboratory Sterilizers: A 2013 Global Trade Perspective Brochure More information from http://www.researchandmarkets.com/reports/2389480/ The World Market for Medical, Surgical, or Laboratory Sterilizers: A 2013 Global Trade Perspective Description: This report

More information

Brochure More information from http://www.researchandmarkets.com/reports/1339929/

Brochure More information from http://www.researchandmarkets.com/reports/1339929/ Brochure More information from http://www.researchandmarkets.com/reports/1339929/ The 2011 World Forecasts of Machine Tools That Remove Material by Laser or Light, Photon, Ultrasonic, Electro-Discharge,

More information

DIRECT MARKETING STRATEGY. Web & Software Development Services

DIRECT MARKETING STRATEGY. Web & Software Development Services DIRECT MARKETING STRATEGY Web & Software Development Services Document created by : Rakesh Negi Business Development & Market Research Consultant New Delhi, India Skype: rakesh_negi1 MSN: rakesh_negi1@hotmail.com

More information

U.S. Trading Companies, 2012

U.S. Trading Companies, 2012 U.S. Trading Companies, 2012 Natalie Soroka Trade and Economic Analysis Industry and Analysis Department of Commerce International Trade Administration November 2014 U.S. Trading Companies: 2012 Highlights

More information

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund

Foreign Taxes Paid and Foreign Source Income INTECH Global Income Managed Volatility Fund Income INTECH Global Income Managed Volatility Fund Australia 0.0066 0.0375 Austria 0.0045 0.0014 Belgium 0.0461 0.0138 Bermuda 0.0000 0.0059 Canada 0.0919 0.0275 Cayman Islands 0.0000 0.0044 China 0.0000

More information

ITS.gov. International Payment Solutions Program Updates. Walker Woods June 2016

ITS.gov. International Payment Solutions Program Updates. Walker Woods June 2016 ITS.gov International Payment Solutions Program Updates Walker Woods June 2016 ITS.gov Overview Secure, TWAI-based web application for processing international electronic and check payments and collections

More information

List of Infectious Animal Diseases-free and infected Countries (Zones)

List of Infectious Animal Diseases-free and infected Countries (Zones) List of Infectious Animal Diseases-free and infected Countries (Zones) Promulgated by Council of Agriculture, Executive Yuan Date: June 23, 2014 Ref. No.: Nung fang no. 1031481882 Appendix: Table 1 List

More information

FedGlobal ACH Payments Service Origination Manual

FedGlobal ACH Payments Service Origination Manual FedGlobal ACH Payments Service Origination anual Federal Reserve Financial Services arch 31, 2016 1 Table of Contents Introduction... 3 Purpose... 3 Document History... 3 Overview... 5 General Description...

More information

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50.

41 T Korea, Rep. 52.3. 42 T Netherlands 51.4. 43 T Japan 51.1. 44 E Bulgaria 51.1. 45 T Argentina 50.8. 46 T Czech Republic 50.4. 47 T Greece 50. Overall Results Climate Change Performance Index 2012 Table 1 Rank Country Score** Partial Score Tendency Trend Level Policy 1* Rank Country Score** Partial Score Tendency Trend Level Policy 21 - Egypt***

More information

Credit & Debit Card Payments. Factsheet

Credit & Debit Card Payments. Factsheet Credit & Debit Card Payments Factsheet Contents 1. Card Types...2 2. Supported countries...2 3. First Funding via Credit / Debit Card...3 4. Transaction Currencies...4 5. Currency Conversion...4 6. Restrictions...5

More information

Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details

Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details White Paper Cisco Global Cloud Index Supplement: Cloud Readiness Regional Details What You Will Learn The Cisco Global Cloud Index is an ongoing effort to forecast the growth of global data center and

More information

Merchant's Default Payout in local currency

Merchant's Default Payout in local currency HiPay Mobile - 1 - EUROPE - AUSTRIA - Direct Carrier Billing Local EUR 1,10 0,92 Activated 0,3328 EUR 2,00 1,67 Activated 0,6870 EUR 3,00 2,50 Activated 1,1250 EUR 4,00 3,33 Activated 1,6797 EUR 5,00 4,17

More information

VISA AND RESIDENCE PERMIT FOR GERMANY FOR INTERNATIONAL STUDENTS AND Ph.D. STUDENTS

VISA AND RESIDENCE PERMIT FOR GERMANY FOR INTERNATIONAL STUDENTS AND Ph.D. STUDENTS VISA AND RESIDENCE PERMIT FOR GERMANY FOR INTERNATIONAL STUDENTS AND Ph.D. STUDENTS Entry and visa obligation The entry regulations for the Federal Republic of Germany differ depending on the country of

More information

Contact Centers Worldwide

Contact Centers Worldwide A Contact Centers Worldwide Country Tel.no. Supported lang. Contact Center Albania Algeria 852 665 00 +46 10 71 66160 Angola 89900 +34 91 339 2121 (Port) and Portuguese +34 913394044 +34 913394023 (Por)

More information

Introducing GlobalStar Travel Management

Introducing GlobalStar Travel Management Introducing GlobalStar Travel Management GlobalStar is a worldwide travel management company owned and managed by local entrepreneurs. In total over 80 market leading enterprises, representing over US$13

More information

The Globalization of Inequality

The Globalization of Inequality The Globalization of Inequality François Bourguignon Paris School of Economics Santiago, Buenos-Aires, Montevideo, October 2011 1 "Rich people are getting richer and poor people poorer" Critiques of recent

More information

Actual annual working time in France and in Europe in 2013

Actual annual working time in France and in Europe in 2013 Actual annual working time in France and in Europe in 2013 Update to the January 2012 study plus new data Summary of the Working Paper N.49 : La durée effective du travail en France et en Europe (June

More information

To contact Dell Technical Support electronically, you can access the following websites:

To contact Dell Technical Support electronically, you can access the following websites: Contact Numbers Contacting Dell To contact Dell electronically, you can access the following websites: : support.dell.com / support.euro.dell.com (Europe) For specific web addresses for your country, find

More information

The most stringent selection process for high quality coffee ever to be created

The most stringent selection process for high quality coffee ever to be created The most stringent selection process for high quality coffee ever to be created The pioneer for coffee auctions and transparency The most successful discovery process- identifying unique and previously

More information

Waterpark Lines World Report

Waterpark Lines World Report Brochure More information from http://www.researchandmarkets.com/reports/1837057/ Waterpark Lines World Report Description: This report provides Market Consumption/Products/Services for 100 countries by

More information

Foreign Exchange Awards 2017

Foreign Exchange Awards 2017 Including the All-New Corporate FX Awards In January 2017, Global Finance will publish its annual selections for the World s Best Foreign Exchange Providers. Global Finance will name the best foreign exchange

More information

International Call Services

International Call Services International Call Services Affordable rates for business calls. Wherever you are in the world. We ve got plenty to say when it comes to staying in touch when you re overseas. We have agreements with 443

More information

High Income Fund, Inc.[NYSE: AWF] (the "Fund") today released its monthly portfolio update as of June 30, 2013.

High Income Fund, Inc.[NYSE: AWF] (the Fund) today released its monthly portfolio update as of June 30, 2013. News Release FOR IMMEDIATE RELEASE Contacts: Shareholder Contact: 1-800-221-5672 AllianceBernstein Global High Income Fund RELEASES MONTHLY PORTFOLIO UPDATE New York, NY, July 30, 2013 - AllianceBernstein

More information

Puerto Rico 2016 SERVICES AND RATES

Puerto Rico 2016 SERVICES AND RATES SERVICES AND RATES FedEx International Solutions for your business Whether you are shipping documents to meet a deadline, saving money on a regular shipment or moving freight, FedEx offers a suite of transportation

More information

Logix5000 Clock Update Tool V2.00.36. 12/13/2005 Copyright 2005 Rockwell Automation Inc., All Rights Reserved. 1

Logix5000 Clock Update Tool V2.00.36. 12/13/2005 Copyright 2005 Rockwell Automation Inc., All Rights Reserved. 1 Logix5000 Clock Update Tool V2.00.36. 1 Overview Logix5000 Clock Update Tool 1. 1. What is is it? it? 2. 2. How will it it help me? 3. 3. How do do I I use it? it? 4. 4. When can I I get get it? it? 2

More information

High Income Fund, Inc.[NYSE: AWF] (the "Fund") today released its monthly portfolio update as of January 31, 2013.

High Income Fund, Inc.[NYSE: AWF] (the Fund) today released its monthly portfolio update as of January 31, 2013. News Release FOR IMMEDIATE RELEASE Contacts: Shareholder Contact: 1-800-221-5672 AllianceBernstein Global High Income Fund RELEASES MONTHLY PORTFOLIO UPDATE New York, NY, February 26, 2013 - AllianceBernstein

More information

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840

Global Dialing Comment. Telephone Type. AT&T Direct Number. Access Type. Dial-In Number. Country. Albania Toll-Free 00-800-0010 888-426-6840 Below is a list of Global Access Numbers, in order by country. If a Country has an AT&T Direct Number, the audio conference requires two-stage dialing. First, dial the AT&T Direct Number. Second, dial

More information

Exercise 39. The Euro. At the end of this exercise you will:

Exercise 39. The Euro. At the end of this exercise you will: Exercise 39 The Euro At the end of this exercise you will: Know how the Euro was named Know the countries using the Euro Be able to name all the Euro notes Be able to name all the Euro coins Be able to

More information

Managed Mobility Visibility is control for your global business. Multinational Solutions

Managed Mobility Visibility is control for your global business. Multinational Solutions Managed Mobility Visibility is control for your global business Multinational Solutions Flexible mobility solutions that work where your business needs to be Managing a large number of users over several

More information

Total of 280 fatal cases in Europe and EFTA countries and in the rest of the world have been reported up to date.

Total of 280 fatal cases in Europe and EFTA countries and in the rest of the world have been reported up to date. ECDC DAILY UPDATE Pandemic (H1N1) 2009 Update 28 October 2009, 09:00 hours CEST Main developments in past 24 hours Total of 280 fatal cases in Europe and EFTA countries and 5 658 in the rest of the world

More information

High Income Fund, Inc.[NYSE: AWF] (the "Fund") today released its monthly portfolio update as of April 30, 2013.

High Income Fund, Inc.[NYSE: AWF] (the Fund) today released its monthly portfolio update as of April 30, 2013. News Release FOR IMMEDIATE RELEASE Contacts: Shareholder Contact: 1-800-221-5672 AllianceBernstein Global High Income Fund RELEASES MONTHLY PORTFOLIO UPDATE New York, NY, May 28, 2013 - AllianceBernstein

More information

CMMI for SCAMPI SM Class A Appraisal Results 2011 End-Year Update

CMMI for SCAMPI SM Class A Appraisal Results 2011 End-Year Update CMMI for SCAMPI SM Class A 2011 End-Year Update Software Engineering Institute Carnegie Mellon University Pittsburgh, PA 15213 1 Outline Introduction Current Status Community Trends Organizational Trends

More information

Cisco Phone Systems Telemarketing Script Cold Call

Cisco Phone Systems Telemarketing Script Cold Call Cisco Phone Systems Telemarketing Script Cold Call 1. Locate Contact: Name listed Owner General Manager / Office Manager Chief BDM (Business Decision Maker) Note: Avoid talking to IT since this is not

More information

U.S. Salary Increase Survey Highlights

U.S. Salary Increase Survey Highlights Consulting Performance, Reward & Talent 2012 2013 U.S. Salary Increase Survey Highlights We ask each participating company to treat these survey findings with the greatest confidence. The findings are

More information

Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU

Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU 92/2015-27 May 2015 Energy prices in the EU Household electricity prices in the EU rose by 2.9% in 2014 Gas prices up by 2.0% in the EU In the European Union (EU), household electricity prices 1 rose by

More information

Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment

Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment OVERVIEW Sybase Solutions for Healthcare Adapting to an Evolving Business and Regulatory Environment Rising medical

More information

DIR Contract #DIR-TSO-2610 Amendment #1 Appendix C Price Index

DIR Contract #DIR-TSO-2610 Amendment #1 Appendix C Price Index CONFERENCING SERVICES Customer Price Price per minute/hour/mont h etc. Comment Audio Conferencing Operator Assisted Dial-Out $0.1530 Per Minute OADI Toll-Free Dial-In (Operator Assisted) $0.0816 Per Minute

More information

BLOOD ALCOHOL CONCENTRATION (BAC) LIMITS (last updated January 2012)

BLOOD ALCOHOL CONCENTRATION (BAC) LIMITS (last updated January 2012) BLOOD ALCOHOL CONCENTRATION (BAC) LIMITS (last updated January 2012) Defining BAC A person s BAC level measures the amount of alcohol in the blood, by recording the milligrams of ethanol per milliliters

More information

Business Phone. Product solutions. Key features

Business Phone. Product solutions. Key features Product solutions Enjoy free calls and significant savings on your business landline bills with from International. Set-up is simple and you don t need to change your existing telephone numbers, plus there

More information

IMMIGRATION TO CANADA

IMMIGRATION TO CANADA NOTE: IMMIGRATION TO CANADA 1928-1971 RANK COUNTRY OF ORIGIN TOTALS 1 United Kingdom * 1152415 2 United States of America 527346 3 Italy 471940 4 Germany 370641 5 Netherlands 185664 6 Poland 117244 7 Greece

More information

Life Bancassurance in Latin America: Protection-Related Life Insurance

Life Bancassurance in Latin America: Protection-Related Life Insurance Life Bancassurance in Latin America: Protection-Related Life Insurance Report Prospectus April 2013 Finaccord, 2013 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents Page What is

More information

FAQS (Frequently Asked Questions)

FAQS (Frequently Asked Questions) FAQS (Frequently Asked Questions) Index 1. General information on the project 3 What is the Erasmus Mundus Programme? 3 Which is my home institution? 3 Which is my host institution? 3 What is a Target

More information

Foreign Obligations Notification Process

Foreign Obligations Notification Process Foreign Obligations Notification Process Santiago Aguilar Nuclear Regulatory Commission 1 Agreements for Peaceful Nuclear Cooperation Current agreements with the IAEA, 21 countries, and Taiwan. The agreements

More information

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments

Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments January 20, 2015 ShadEcEurope31_January2015.doc Size and Development of the Shadow Economy of 31 European and 5 other OECD Countries from 2003 to 2015: Different Developments by Friedrich Schneider *)

More information

GfK PURCHASING POWER INTERNATIONAL

GfK PURCHASING POWER INTERNATIONAL GfK PURCHASING POWER INTERNATIONAL 1 Agenda 1. Europe 3 2. Americas 45 3. Asia & Near East 54 4. Afrika 66 5. Australia 68 6. Overview of countries and available levels 70 2 2 EUROPE 4 GfK

More information

W I R E T R A N S F E R S E R V I C E S

W I R E T R A N S F E R S E R V I C E S Move money quickly and easily through Chase Commercial Online s Wire Transfers service. 1 Select U.S. dollars or another eligible currency to wire funds to most domestic or international recipients. Add

More information

Fall 2015 International Student Enrollment

Fall 2015 International Student Enrollment Fall 2015 International Student Enrollment Prepared by The Office of International Affairs Nova Southeastern University Nova Southeastern University International Student Statistics Fall 2015 International

More information

Dial 00-800-0010, when prompted to enter calling number, enter 800-544-6666 American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199

Dial 00-800-0010, when prompted to enter calling number, enter 800-544-6666 American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199 National Financial Services International Calling Instructions Albania 00-800-0010 Dial 00-800-0010, when prompted to enter American Samoa 1-800-544-6666 Number can be dialed directly Angola 0199 Dial

More information

Welcome! International Wires

Welcome! International Wires Welcome! International Wires Questions can be submitted at any time using the Chat function in WebEx located on your floating toolbar at the top of your screen. Please send to Host and Presenter. Agenda

More information

List of tables. I. World Trade Developments

List of tables. I. World Trade Developments List of tables I. World Trade Developments 1. Overview Table I.1 Growth in the volume of world merchandise exports and production, 2010-2014 39 Table I.2 Growth in the volume of world merchandise trade

More information

ADVOC. the international network of independent law firms

ADVOC. the international network of independent law firms ADVOC the international network of independent law firms About ADVOC ADVOC is an international network of independent law firms, sharing international expertise in jurisdictions across the globe Our member

More information

Cisco Smart Care Service

Cisco Smart Care Service Q. What is Cisco Smart Care Service? A. Cisco Smart Care Service is a collaborative, comprehensive network wide service that enables your partner to deliver proactive network monitoring, health checkups,

More information

COLOMBIA ECONOMIC PERFORMANCE BRIEF October 2012

COLOMBIA ECONOMIC PERFORMANCE BRIEF October 2012 COLOMBIA ECONOMIC PERFORMANCE BRIEF October 2012 1. ECONOMY IN BRIEF Colombian GDP in 2011 reached 5.9%, showing a continuous positive growth rate over the past years. In the third quarter of 2012 the

More information

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today

INTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send

More information

DuchenneConnect. www.duchenneconnect.org

DuchenneConnect. www.duchenneconnect.org DuchenneConnect www.duchenneconnect.org 1 What is DuchenneConnect? Web based patient self report registry to link the resources and needs of the Duchenne/Becker muscular dystrophy community, including:

More information

Please click on the menu to go to the page you want

Please click on the menu to go to the page you want For clients that request and require EconomicCitizenship of St Kitts and Nevis the ImmigrationGroup at Mishcon de Reya ensure that the whole process passes without difficulty, affording its clients such

More information

Raveh Ravid & Co. CPA. November 2015

Raveh Ravid & Co. CPA. November 2015 Raveh Ravid & Co. CPA November 2015 About Us Established in 1986 by Abir Raveh, CPA & Itzhak Ravid, CPA 6 Partners, 80 employees Located in Tel Aviv, Israel wide range of professional services highly experienced

More information

The summary table below shows how the composition of the trading partner groups changes on 1 January 2015 as a result of the enlargement.

The summary table below shows how the composition of the trading partner groups changes on 1 January 2015 as a result of the enlargement. 1 Update of trade weights underlying effective exchange rates and harmonised competitiveness indicators as Lithuania joins the euro area on 1 January 2015 The trade weights underlying the calculation of

More information

YTD 2015-27 CS AWARDS IN AMERICAS

YTD 2015-27 CS AWARDS IN AMERICAS YTD 2015-27 CS AWARDS IN AMERICAS Argentina Bolivia Brazil Frontline Customer Service Team of the Year, All Industries (Bronze) Customer Service Department of the Year, Airlines, Distribution & Transportation

More information

Consolidated International Banking Statistics in Japan

Consolidated International Banking Statistics in Japan Total (Transfer Consolidated cross-border claims in all currencies and local claims in non-local currencies Up to and including one year Maturities Over one year up to two years Over two years Public Sector

More information

CONSULATES. Foreign Missions in Italy www.esteri.it/mae/doc/lcd.doc

CONSULATES. Foreign Missions in Italy www.esteri.it/mae/doc/lcd.doc CONSULATES Foreign Missions in Italy www.esteri.it/mae/doc/lcd.doc CONSULAR CORPS Via dei Servi 13 Tel +39 055211007 Fax +39 055289333 www.corpoconsolarefirenze.it info@corpoconsolarefirenze.it AUSTRIA

More information

Korn Ferry Hay Group 2016 Salary Forecast: Wages Expected to Rise Globally, With a Modest Outlook for the Middle East

Korn Ferry Hay Group 2016 Salary Forecast: Wages Expected to Rise Globally, With a Modest Outlook for the Middle East MEDIA CONTACT Megan Willis +971(0)563 694 003 Under embargo until Tuesday 08 December 2015 Korn Ferry Hay Group 2016 : Wages Expected to Rise Globally, With a Modest Outlook for the Middle East Global

More information

Credit transfer to Customer account with AS "Meridian Trade Bank" EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank

Credit transfer to Customer account with AS Meridian Trade Bank EUR, USD free of charge * - 4.1.2. Other countries currency information in the Bank Pricelist for individuals residents of Latvia SERVICES 4. TRANSFERS In the Bank PRICE LIST IN EUR Using «MultiNet» 4.1. 4.1.1. Credit transfer to Customer account with EUR, USD free of charge * 4.1.2.

More information

World Consumer Income and Expenditure Patterns

World Consumer Income and Expenditure Patterns World Consumer Income and Expenditure Patterns 2014 14th edi tion Euromonitor International Ltd. 60-61 Britton Street, EC1M 5UX TableTypeID: 30010; ITtableID: 22914 Income Algeria Income Algeria Income

More information

7.3. Cannabis: Wholesale, street prices and purity levels

7.3. Cannabis: Wholesale, street prices and purity levels 7.3. Cannabis: Wholesale, street prices and purity levels CANNABIS HERB East Eritrea 4.0 3.0-5.0 2003 1,100.0 1,000.0-1,200.0 1.0-5.0 2003 Kenya 0.2 0.1-0.3 2003 99.0 70.0-130.0 2003 Madagascar 1.3 1.1-1.4

More information

INTERNATIONAL TRACKED POSTAGE SERVICE

INTERNATIONAL TRACKED POSTAGE SERVICE INTERNATIONAL TRACKED POSTAGE SERVICE Index Expanding Internationally...03 The Post NL Service...04 How it works... 05 Post NL Rates...06 Transit times...07 Customer Service...08 Expanding Internationally

More information

Hungary s labour market indicators continue to improve

Hungary s labour market indicators continue to improve Hungary s labour market indicators continue to improve Employment rate higher again in Hungary According to the latest data, the positive trend regarding growth in the number of people in employment has

More information

GLOBAL INVESTMENTS IN R&D

GLOBAL INVESTMENTS IN R&D Americas North America United States Europe Asia European Union Japan Germany N.I.E. Asia China L.A.C. C.I.S. Europe C.E.O. Europe India Oceania Israel Africa Other in Asia Mexico Arab States (Africa)

More information

Demystifying ACH Payments to Canada

Demystifying ACH Payments to Canada Demystifying ACH Payments to Canada NACHA Payments 2008 May 18 21, 2008 Elizabeth McQuerry Assistant V.P., Retail Payments Office Federal Reserve Doug Kreviazuk V.P., Policy & Research Canadian Payments

More information

International Services tariff

International Services tariff International Services tariff Contents International Services Sending money abroad 1 International payments 1 International drafts 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC

More information

No Data Overlap Area Search and Rescue Region notified to IMO Provisional Search and Rescue Region NORWAY 65 N SWEDEN FINLAND FINLAND 60 N RUSSIAN

No Data Overlap Area Search and Rescue Region notified to IMO Provisional Search and Rescue Region NORWAY 65 N SWEDEN FINLAND FINLAND 60 N RUSSIAN North Pacific Pages 16-17 South Pacific Pages 14-15 Caribbean Sea Pages 10-11 North Atlantic Page 4 Mid Atlantic Pages 6-7 South Atlantic Pages 12-13 European Waters Page 5 Baltic Sea Page 3 Mediterranean

More information

133 Countries Mexicans Can Travel To Without Visa. Mexican passports may actually have a lot more value than what you accord it at the moment.

133 Countries Mexicans Can Travel To Without Visa. Mexican passports may actually have a lot more value than what you accord it at the moment. 133 Countries Mexicans Can Travel To Without Visa Mexican passports may actually have a lot more value than what you accord it at the moment. According to the most recent global index of international

More information

Brochure More information from http://www.researchandmarkets.com/reports/3278449/

Brochure More information from http://www.researchandmarkets.com/reports/3278449/ Brochure More information from http://www.researchandmarkets.com/reports/3278449/ The 2016 World Forecasts of Hand-Operated Date, Sealing, or Numbering Stamps; Devices for Printing or Embossing Labels;

More information