The South African National Payment System Observations and Trends
|
|
|
- Noel McCarthy
- 10 years ago
- Views:
Transcription
1 The South Africa Natioal Paymet System Observatios ad Treds Dave C Mitchell South Africa Reserve World Coferece Cape Tow, South Africa April 2009
2 Paymet System Networks CLS Services Cetral CLS Network Cetral SARB BANK Settlemet Network Customer Network STRATE Paymet Network Settlemet serv No-Clearig Broker Paymet Network PCH Clearig ATM CLC Clearig Network Post PCH Retailer Customer Network EFTs PCH Customer Network Card Customer Network
3 Facilities available to the baks SAMOS FRONT-END FACILITIES PARTICIPATING BANK SWIFT Termial SWIFT Iteral Processig System SWIFT Iterface SARB; LINK Iterface Positio Moitor SAMEX SARBLLINK CENTRAL DEPOSITORY CD Fiacial Istrumet Register FIR Dyamic Collateral Maagemet SAMOS Loa Accout Reserve Settlemet Accout
4 Legal Foudatio South Africa Reserve Act Natioal Paymet System Act (icludig Directives) Paymet Associatio of South Africa (PASA) Costitutio Paymet Clearig House (PCH) Agreemets Paymet Clearig House (PCH) Rules
5 The S. A. Reserve ad the Paymets Associatio of South Africa (PASA) SA Reserve NPSD PASA Exec Office
6 Rad - Trillio Settlemets Wholesale paymets Total value settled vs Real Time Lie settlemets All Streams 42,239 49,430 47,339 49,705 51,533 57,574 59,331 72,399 89,381 Real Time Lie 26,642 38,175 43,764 46,251 47,724 53,242 54,320 66,562 82,920
7 Settlemets - Retail paymets Paymet Streams 2008 (excludig RTL) +EFT CR TOT +CLC TOT +EFT DR TOT 67% +CC TOT +ZAPS TOT +SASWITCH TOT 19% +VISA TOT +DR CR TOT NAEDO MasterC 8% RTC +AEDOTOT +MZANSI
8 Ja/00 Apr/00 Jul/00 Oct/00 Ja/01 Apr/01 Jul/01 Oct/01 Ja/02 Apr/02 Jul/02 Oct/02 Ja/03 Apr/03 Jul/03 Oct/03 Ja/04 Apr/04 Jul/04 Oct/04 Ja/05 Apr/05 Jul/05 Oct/05 Ja/06 Apr/06 Jul/06 Oct/06 Ja/07 Apr/07 Jul/07 Oct/07 Ja/08 Apr/08 Jul/08 Oct/08 Rad - Billios Settlemets Retail post Risk Reductio Electroic Fud Trasfers ad Cheques Cheques EFT Debits EFT Credits ZAPS
9 Overview of cards i South Africa Total credit cards Total debit cards Total umber of merchats Average credit card trasactio value R 510 Average sigature-based card trasactio value R 380 Average PIN-based debit card trasactio value R 225 [2007 figures from the big four baks (excludig ATM ad Garage cards)]
10 Real-Time Clearig (RTC) The RTC paymet stream implemeted i March 2007; RTC paymet istructios processed immediately ad payee credited withi 60 secods; Iterbak settlemet withi oe hour; Three baks actively participatig i RTC; Average mothly value settled i R1,1 billio.
11 Oversight - Macro Macro Level SARB Observe/Moitor. Credit Risk. Liquidity. Legal. Operatioal. Reputatioal Equity Markets SAMOS NPS FIR Implemet Develop Retail Paymets STRATE Bod Market serv CD. Iteratioal Developmets. Priciples. Best Practice STRATE Aalyse & Evaluate
12 Oversight - Micro Feedback to istitutio Iterative process Develop Participat Profiles. Payer profile. Beeficiary profile. Net effect. Loa trasactio flow. Volume ad value. Liquidity/Collateral usage. Risk reductio iitiatives. Operatioal issues. Ratig/evaluatio. Oversight report. Recommedatios Discuss with Supervisio Osite visit. NPS Act. Directives ad positio papers. Visio Idustry issues
13 NPS Goverace NT Advisory Body ig Associatio SARB Act (Sectio 10) SANPAY Cosult Govt. Associatios Cosult Egage Cosult Egage NPS Act Policy Cosult Egage PASA PASA Costitutio PSSF s 3 rd Party Providers Operators Low Value Collectios PCH s PCH Agreemets PCH PG s Authorise
14 History/Milestoes 1995 Publicatio of NPS Framework ad Strategy ( Blue Book ). March 1998 Implemetatio of the SAMOS System. October 1998 Promulgatio of NPS Act.
15 History/Milestoes 1999/2000 Ehacemet of the SAMOS System: Cotiuous Processig Lie (CPL); DVP for fiacial market trasactios (STRATE). 2001/2002 Itroductio of risk reductio measures (item limits i various paymet streams reductio of values i batch settlemets); Formal establishmet of the Oversight fuctio.
16 History/Milestoes 2003/2005 Ehacemet of the itraday moitorig capabilities of the SAMOS System; Same day square-off; Cotiuous Liked Settlemet (FX) Visio 2010 published.
17 History/Milestoes 2007/2008 Formal regulatio of o-baks i the NPS; Directives for System Operators ad Third Party Service Providers; Establishmet of NPSAB; Review of the etwork ifrastructure ad RTGS applicatio.
18 Where to i the future - 1 Commece implemetatio of the settlemet ifrastructure ad applicatios; Cotiue the focus o o-bak participats i the formal oversight process; Icreased focus o CLS operatioal ad oversight activities;
19 Where to i the future - 2 Cotiue participatio i regioal ad iteratioal iitiatives; Commece Framework ad Strategy documet for beyod 2010; ad Evaluatio ad possible implemetatio of the recommedatios of the Competitio Equiry.
20 Thak you
The National Payment System in South Africa. 1995 to 2005
The National Payment System in South Africa 1995 to 2005 South African Reserve Bank All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any
Access to the National Payment System (NPS)
Access to the National Payment System (NPS) Tim Masela Head: National Payment System Department South African Reserve Bank Presentation at the CFI indaba - October 2012 Contents What is the National Payment
MainStay Funds IRA/SEP/Roth IRA Distribution Form
MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet
IntelliSOURCE Comverge s enterprise software platform provides the foundation for deploying integrated demand management programs.
ItelliSOURCE Comverge s eterprise software platform provides the foudatio for deployig itegrated demad maagemet programs. ItelliSOURCE Demad maagemet programs such as demad respose, eergy efficiecy, ad
Patentability of Computer Software and Business Methods
WIPO-MOST Itermediate Traiig Course o Practical Itellectual Property Issues i Busiess November 10 to 14, 2003 Patetability of Computer Software ad Busiess Methods Tomoko Miyamoto Patet Law Sectio Patet
There s Wealth in Our Approach.
Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services
PUBLIC RELATIONS PROJECT 2016
PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig
Payment, clearing and settlement systems in South Africa
Payment, clearing and settlement systems in South Africa CPSS Red Book 2012 373 Contents List of abbreviations... 377 Introduction... 379 1. Institutional aspects... 379 1.1 The general institutional
INDEPENDENT BUSINESS PLAN EVENT 2016
INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet
We make your markets work
Market Data + Services We make your markets work Market solutios for fiacial markets Deutsche Börse oe of the world s most sophisticated market operators Providig fiacial ifrastructure with a comprehesive
Your support connection
Your support coectio Cosultig ad outsourced support for isurace ad reisurace compaies Cosultig ad outsourced support for isurace ad reisurace compaies With a global staff of over 500 professioals i Europe
Wells Fargo Insurance Services Claim Consulting Capabilities
Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face
The National Payment System Framework and Strategy. Vision 2010
The National Payment System Framework and Strategy Vision 2010 Project participants and parties consulted: South African Reserve Bank Core Team Dave Mitchell (Project owner) Johann Bence (Project leader)
CREATIVE MARKETING PROJECT 2016
CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members
APPLICATION FORM. Henderson Investment Funds. Valid from 11 May 2015. SECTION 1 About yourself
Hederso Ivestmet Fuds APPLICATION FORM Valid from 11 May 2015 You should use this form if you wish to ivest i the Hederso Ivestmet Fuds rage. Further iformatio is cotaied i the Prospectus, the Additioal
Basic Current Account
Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats
ELearning courses Competition / Antitrust
ELearig courses Competitio / Atitrust Clifford Chace ad Thomso Reuters elearig Regulators are takig a icreasigly tough stace o competitio / atitrust compliace. Failure to comply with the relevat legislatio
Evaluating Model for B2C E- commerce Enterprise Development Based on DEA
, pp.180-184 http://dx.doi.org/10.14257/astl.2014.53.39 Evaluatig Model for B2C E- commerce Eterprise Developmet Based o DEA Weli Geg, Jig Ta Computer ad iformatio egieerig Istitute, Harbi Uiversity of
Identifying Risks in Outsourcing Software-Intensive Projects
Idetifyig Risks i Outsourcig Software-Itesive Projects Dr. Maliha Haddad Assistat Professor Maagemet Sciece Departmet School of Busiess ad Public Maagemet George Washigto Uiversity Washigto, DC Dr. Aita
Shareholder Information Brochure
The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,
Foreword. i BANK INDONESIA. Assalamu alaikum Wr. Wb.
Foreword Assalamu alaikum Wr. Wb. Realizig the rapid developmet of sharia bakig i Idoesia, particularly after the Act No. 10 of 1998 o the amedmet of the Act No. 7 of 1992 o bakig ad the Act No. 23 of
Introducing International Investment Advisory Services. Your global needs, our international expertise
Itroducig Iteratioal Ivestmet Advisory Services Your global eeds, our iteratioal expertise Stregth ad Stability from RBC For over 140 years, ivestors have tured to Royal Bak of Caada (which operates globally
Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT
H E A L T H C A R E D E L I V E R Y S Y S T E M C A S E M A N A G E M E N T E D U C A T I O N Advacemet FORUM CULTIVATING LEADERS IN CASE MANAGEMENT DATES AND LOCATIONS LOS ANGELES, CA DECEMBER 11 DALLAS,
Market reference guide
Market referece guide List of markets Australia Germay Italy Spai Austria Greece Morocco Switzerlad Belgium Hog Kog Netherlads Turkey Brazil Hugary Polad Uited Kigdom Cyprus Idia Portugal Uited States
Preserving Your Financial Legacy with Life Insurance Premium Financing.
Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth
AFRA Consulting & Services, Inc. 12817 Panama Street, Los Angeles, CA 90066 Phone (310) 577-2372 www.afraconsulting.com
RASAQ T. GBADAMOSI, MBA, CPP Rasaq Gbadamosi is a highly skilled Iformatio Maagemet ad Busiess Processes professioal with emphasis o Huma Resources, Payroll (North America ad Global Payroll), Time & Attedace,
A Guide to Better Postal Services Procurement. A GUIDE TO better POSTAL SERVICES PROCUREMENT
A Guide to Better Postal Services Procuremet A GUIDE TO better POSTAL SERVICES PROCUREMENT itroductio The NAO has published a report aimed at improvig the procuremet of postal services i the public sector
PUBLIC RELATIONS PROJECT 2015
PUBLIC RELATIONS PROJECT 2015 Supported by MARKETING The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig,
Computershare Investment Plan. Best Buy Co., Inc. Common Stock
Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)
I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.
IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form
Financial Service Guide (FSG)
Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia
I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.
IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form
PKI Forum Endorsements
July 2001 CA Trust Public Key Ifrastructure provides a meas for relyig parties (i.e., recipiets of certificates who act i reliace o digital sigatures verified usig those certificates) to kow that aother
Skytron Asset Manager
Skytro Asset Maager Meet Asset Maager Skytro Asset Maager is a wireless, pateted RFID asset trackig techology specifically desiged for hospital facilities to deliver istat ROI withi a easy to istall, fully
Information about Bankruptcy
Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet
Banking & Financial Services. White Paper. Cloud Solutions for Centralized Reference Data Management
Bakig & Fiacial Services White Paper Cloud Solutios for Cetralized Referece Maagemet About the Authors Sriivasa Kumar Yerchuru Sriivasa heads the Capital Markets practice at TCS ad has over 20 years of
DWS Investment GmbH. DWS Aktien Strategie Deutschland Sales Prospectus including Terms of Contract
DWS Ivestmet GmbH DWS Aktie Strategie Deutschlad Sales Prospectus icludig Terms of Cotract Jauary 1, 2012 Sales Prospectus ad Terms of Cotract Sales Prospectus Geeral sectio Geeral priciples 1 Maagemet
ABA Compliance Schools
Look iside to fid the essetial compliace traiig you eed ow. ABA Compliace Schools October 19 25, 2013 l Atlata, Georgia ABA Natioal Compliace School ABA Graduate School of Compliace Risk Maagemet Chart
Global Consulting Practice. White Paper. Global Regulatory Reporting: A Strategic Approach
Global Cosultig Practice White Paper Global Regulatory Reportig: A Strategic Approach About the Author Gajedra Shirsat Gajedra Shirsat is a busiess cosultat with TCS Capital Markets Cosultig Group. He
SYSTEM INFO. MDK - Multifunctional Digital Communications System. Efficient Solutions for Information and Safety
Commuicatios Systems for Itercom, PA, Emergecy Call ad Telecommuicatios MDK - Multifuctioal Digital Commuicatios System SYSTEM INFO ms NEUMANN ELEKTRONIK GmbH Efficiet Solutios for Iformatio ad Safety
leasing Solutions We make your Business our Business
if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca
AN ECONOMIC ANALYSIS OF VISVESVARYA URBAN COOPERATIVE BANK
62 AN ECONOMIC ANALYSIS OF VISVESVARYA URBAN COOPERATIVE BANK K. Ravichadra, Deputy Director, Istitute of Cooperative Maagemet, Thiruvaathapuram. V. Alagu Padia, Faculty Member, Istitute of Cooperative
client communication
CCH Portal cliet commuicatio facig today s challeges Like most accoutacy practices, we ow use email for most cliet commuicatio. It s quick ad easy, but we do worry about the security of sesitive data.
Founded in 1941 to serve the citizens of San Antonio and the military community, Broadway Bank has grown from a small neighborhood bank into one of
PERSONAL BANKING Fouded i 1941 to serve the citizes of Sa Atoio ad the military commuity, Broadway Bak has grow from a small eighborhood bak ito oe of the strogest ad best capitalized idepedet baks i Texas.
Agricultural & Agri-Business Grant Opportunities. Presented By: Connie Miner Grant Consultant
Agricultural & Agri-Busiess Grat Opportuities Preseted By: Coie Mier Grat Cosultat NYS Dept. of Agriculture & Markets: Overview of eligibility requiremets: Agricultural & Farmlad Protectio Boards Erie
For customers Key features of the Guaranteed Pension Annuity
For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether
Information Security Compliance
T A Uified Approach to Iformatio Security Compliace By M. Peter Adler he iformatio age has led to a heighteed cocer that persoal iformatio is ot beig protected. The high speed at which private iformatio
Banking & Financial Services. White Paper. Client Onboarding: Digitize to Optimize
Bakig & Fiacial Services White Paper Cliet Oboardig: Digitize to Optimize About the Author Gaesh Raghava Padmaabha Gaesh Raghava is a Domai Cosultat with the Bakig ad Fiacial Services (BFS) uit at Tata
Savings and Retirement Benefits
60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you
How to read A Mutual Fund shareholder report
Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.
EUROCONTROL PRISMIL. EUROCONTROL civil-military performance monitoring system
EUROCONTROL PRISMIL EUROCONTROL civil-military performace moitorig system Itroductio What is PRISMIL? PRISMIL is a olie civil-military performace moitorig system which facilitates the combied performace
TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life
TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects
FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT
INSPIRE TRANSFORM CONNECT FOCUS 2015 STRATEGIC PLAN PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE FOCUS 2015 is our refreshed strategic pla that builds o ad stregthes
Andrew M. Mintzer, CPA
www.hemmig.com Adrew M. Mitzer, CPA Profile Adrew M. Mitzer has over 35 years of experiece as a Certified Public Accoutat (CPA), icludig 17 years at Erst & Youg auditig public ad privately-held compaies
The National Payment System Framework and Strategy
The National Payment System Framework and Strategy Vision 2015 Stakeholders Project participants and parties consulted South African Reserve Bank core team Daniel Mminele (Deputy Governor) Dave Mitchell
How To Find FINANCING For Your Business
How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.
My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad.
My first gold holdigs. My first bak. Simple. Trasparet. Idividual. Our ivestmet solutios for cliets abroad. The perfect basis for workig together successfully The wheel of time is turig faster tha ever
Agency Relationship Optimizer
Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey
Comptroller and Auditor General s Standard Report on the Accounts of the Inland Revenue 2004-05
Report by the Comptroller ad Auditor Geeral Comptroller ad Auditor Geeral s Stadard Report o the Accouts of the Ilad Reveue 2004-05 Issued uder Sectio 2 of the Exchequer ad Audit Departmets Act 1921 as
Vladimir N. Burkov, Dmitri A. Novikov MODELS AND METHODS OF MULTIPROJECTS MANAGEMENT
Keywords: project maagemet, resource allocatio, etwork plaig Vladimir N Burkov, Dmitri A Novikov MODELS AND METHODS OF MULTIPROJECTS MANAGEMENT The paper deals with the problems of resource allocatio betwee
The Canadian Council of Professional Engineers
The Caadia Coucil of Professioal Egieers Providig leadership which advaces the quality of life through the creative, resposible ad progressive applicatio of egieerig priciples i a global cotext Egieerig
e-trader user guide Introduction
User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with
HM Revenue & Customs. Management of Tax Debt
HM Reveue & Customs Maagemet of Tax Debt REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 1152 Sessio 2007-2008 20 November 2008 The Natioal Audit Office scrutiises public spedig o behalf of Parliamet.
About our services and costs
About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us
Anti-Money Laundering
Ati-Moey Lauderig Over the last year, moey-lauderig crimes siphoed a estimated $1.3 trillio out of the global ecoomy.* I light of this staggerig statistic, the resultig striget legislatio is uderstadable.
Revised Special Terms & Conditions
Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: [email protected]** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,
Quality Indicators for Trauma Outcome and Performance
2010 The Trauma Audit & Research Network Quality Idicators for Trauma Outcome ad Performace The TRAUMA Audit & Research NETWORK DEVELOPING EFFECTIVE CARE FOR INJURED PATIENTS THROUGH PROCESS AND OUTCOME
June 3, 1999. Voice over IP
Jue 3, 1999 Voice over IP This applicatio ote discusses the Hypercom solutio for providig ed-to-ed Iteret protocol (IP) coectivity i a ew or existig Hypercom Hybrid Trasport Mechaism (HTM) etwork, reducig
The suitability of XDS-I for national sharing in the NHS in England
The suitability of XDS-I for atioal sharig i the NHS i Eglad Movig to a XDS-I architecture to support image ad report sharig across the LSP-provided PACS ad RIS estate i Eglad is techically possible but,
Consider these sobering statistics
Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig
Tortoise MLP Fund, Inc.
Tortoise MLP Fud, Ic. SM SM Yield Growth Quality 2010 3rd Quarter Report August 31, 2010 Steady Wis C o m p a y a t a G l a c e Tortoise MLP Fud, Ic. (NYSE: NTG) offers a closed-ed fud strategy of ivestig
(VCP-310) 1-800-418-6789
Maual VMware Lesso 1: Uderstadig the VMware Product Lie I this lesso, you will first lear what virtualizatio is. Next, you ll explore the products offered by VMware that provide virtualizatio services.