ICICI Bank Canada Student GIC Program Guide Complete Steps

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "ICICI Bank Canada Student GIC Program Guide Complete Steps"

Transcription

1 ICICI Bank Canada Student GIC Program Guide Complete Steps This program guide outlines the details of the ICICI Bank Canada Student GIC Program, effective October, Unless otherwise stated, all fees and charges are listed in Canadian dollars (CAD). 1. REGISTRATION Register for the ICICI Bank Canada Secure Service to initiate the application process 3. APPLICATION Online Mode Complete the application form online and submit it, along with a scanned copy of the required documents. The account number will be provided instantly on screen. Offline Mode - Download, complete and submit the application form though our Secure Service or by visiting a designated ICICI Bank branch in India. 5. FUNDS TRANSFER Remit $10,150 CAD to your ICICI Bank Canada Account from India (this needs to come from your bank account) and communicated via the Secure Service 7. VISA/STUDY PERMIT APPLICATION Submit a copy of the Investment Balance Confirmation to the Canadian visa office in India along with your study permit application 8. ARRIVAL IN CANADA Upon arrival in Canada, visit a branch of ICICI Bank Canada to open a personal account and for issuance of the GIC 2. COMMUNICATION We will send you a secure , which will contain your application form and an outline of the process 4. INVESTMENT ACCOUNT We will process your application within 5 business days. When it is approved, we will provide the account number of your Investment Account as well as detailed instructions on how to transfer the required funds via the Secure Service. 6. CERTIFICATE ISSUANCE An Investment Balance Confirmation will be issued once the funds are received 9. PERSONAL ACCOUNT & GIC a. We will deposit $2,000 in your Personal Account b. We will deposit $8,000 in your GIC Account, which will be paid to you over 12 months in equal installments Please note that a request for refund can be made under the program. For details please refer to page 5 of the program guide. 1

2 How does the ICICI Bank Canada Student GIC Program work? 1. REGISTER FOR ICICI BANK CANADA SECURE SERVICE You will need to be registered with the ICICI Bank Canada Secure Service, a secure communication channel between ICICI Bank Canada and you, to complete the application process. You can also submit your application to the ICICI Bank Canada Student GIC Program online using this service. Click on to register if you have not registered yet. Once you have registered your personal ID, you will receive an from with a link to the Secure Service and a temporary password which would allow you to complete the registration process. Note: This notification will be sent from an automated id, hence please do not reply to this mail. 2. SUBMIT YOUR APPLICATION Option 1: Online Mode Complete the application form online and submit it, along with a scanned copy of your passport (photo page and last page) and proof of enrollment (if available). An account number for your Investment Account will be generated and provided to you instantly on screen, as well as through a confirmation . You will then be able to transfer funds to ICICI Bank Canada from your bank account in India. Option 2: Offline Mode Download, complete (must be typed), sign and date the application form. The completed application can be submitted in two ways: By through our Secure Service: o Log in and click on My application. o Fill in the subject line as follows: ICICI SGP your full name (given/first name and surname/last name) your passport number Application Request. o Scan and attach the completed application form along with all required documents including: Copy of passport pages (photo page and the last page), and Copy of acceptance/enrollment letter from a Canadian educational institution (if available). The application will be processed in approximately 5 business days. We will notify you upon approval of your application status and provide you with your Investment Account Number. Please keep this information handy as you will need it when you transfer funds to ICICI Bank Canada from your bank in India. In-person: o Submit your completed application to a designated ICICI Bank Limited branch in India, along with a copy of your passport (photo page and last page) and proof of enrollment (if available). 2

3 3. AFTER YOU SUBMIT YOUR APPLICATION If the application is submitted online, your Investment Account Number will be generated and provided to you instantly on screen, as well as through a confirmation . You should then proceed to transfer the required funds to ICICI Bank Canada from your bank account in India. If the application is submitted via or in-branch, we will review your application and notify you with your application status via our Secure Service. If the application is approved, we will provide you with your Investment Account number and wire transfer instructions via the same secure channel. Note: It may take up to 5 business days from the date we receive your completed application package, to confirm your application status. Please account for the time difference between Canada and India, as well as weekends and holidays in both countries. 4. TRANSFERRING FUNDS FROM INDIA The Canadian High Commission in India requires you to wire $10,000 to your investment account with ICICI Bank Canada. Our non-refundable program fee is $150; please ensure you transfer a total of $10,150. These funds must be wire transferred from a bank account in India that is exclusively in your name or, is a joint account with your parent(s). If this condition is not met, your money will be returned. Funds will only be accepted if the name of the sender and beneficiary (recipient) matches. Please send us a confirmation mail regarding the transfer via the Secure Service once you have transferred the funds. ICICI SGP Student s full name (given/first name and surname/last name) Passport Number Investment Confirmation Request. International wire transfers take about 5 business days. Please consult with your local bank in India for a specific timeframe. Note: Funds sent through other service providers such as money exchange houses, money transfer services, and third party services or, payments received from a third party (e.g. parents, relatives, friend, etc.) are not acceptable. Intermediary banks usually charge a fee for wire transfers. Please inform your bank in India that ICICI Bank Canada must receive $10,150 in full and any additional charges/fees will be paid by you locally. 5. BALANCE CONFIRMATION It may take approximately 5 business days to receive and transfer your funds into your ICICI Bank Canada Investment Account, following which we will send you an Investment Balance Confirmation both via regular mail at your communication address and on your Secure ID. Note: This confirmation will outline the details of your investment account including the balance amount. You are responsible for printing and keeping a copy of the Investment Balance Confirmation. Please note that a handwritten signature on this certificate is not included, nor required. If the customer misplaces the original copy then a duplicate copy will be issued bearing the word Duplicate on it. 6. APPLYING FOR A VISA/STUDY PERMIT You will need to submit a copy of your Investment Balance Confirmation along with your study permit application to the Canadian visa office in India. Please refer to the VFS and/or Canadian visa office, India websites for study permit application deadlines. We accept applications for the Student GIC Program all year round and will issue a confirmation when funds are received. However, you must allow for sufficient processing time to ensure that you meet study permit application deadlines. 3

4 7. ARRIVING IN CANADA Upon arrival, click on to visit an ICICI Bank Canada branch to open a personal account and complete the set-up of your Guaranteed Investment Certificate (GIC). You will need to present the following documents: Valid Indian passport Visa/Study permit (e.g. IMM 1442) Investment Balance Confirmation Letter of enrolment from a Canadian educational institution (or a student ID card) 8. REPAYMENT OF YOUR INVESTMENT Once we review your documentation in-branch and confirm all required information, we will open a personal chequing or savings account in your name and make an initial deposit of $2,000 plus any accrued interest from your investment account with us. The remaining $8,000 will be kept in a non-redeemable GIC (one year term), and fixed equal monthly payments will be deposited to your personal account. Note: It is your responsibility to ensure that you have adequate funds to cover your living expenses. The initial disbursement of funds is scheduled so that you will receive $2,000 in your personal banking account at your first in-branch visit. Please note that living costs can vary significantly depending on your place of residence in Canada. 4

5 Applying for a refund? FOLLOW THESE SIMPLE STEPS Apply for your Study permit After completing the process of application, funding & Investment Balance Confirmation, you submit an application for Visa/Study Permit to the Canadian visa office, India or You withdraw from the program You decide not to move to Canada or decide not to pursue the course and have returned to India. Visa/Study Permit Declined You receive a letter from the Canadian visa office stating that your Visa/Study permit application has been declined Visa/Study Permit Cancelled You seek a confirmation letter from the Canadian visa office stating that your Visa/Study permit is cancelled Application for a Refund You download, complete and submit the Student GIC Program Refund Application via Secure Service Note: It may take up to 6 weeks to process your refund request. Application Processing We will review your application and confirm your status with the Canadian visa office, or India Funds Transfer Once approved, we wire the funds back to your Indian bank account from where the funds originated Note: International wire transfers may take up to 5 business days. Confirmation We will send you a confirmation mail via Secure Service about the transfer of funds and closure of your account 5

6 Request a Refund 1. APPLY FOR A REFUND Redemption of the outstanding principal in your Investment Account or GIC can only occur in the following circumstances: When in India Your study permit was declined. In this case, please provide us with a copy of the refusal letter that was issued by a Canadian visa office. Your application for admission to a Canadian educational institution was declined. In this case, please provide us with a copy of the refusal letter that was issued by the educational institution. You have withdrawn enrolment from the Canadian educational institution before your arrival in Canada. In this case, please provide us with a copy of the cancelled visa and study permit issued by the Canadian visa office in India. You voluntarily decided not to apply for a Canadian Visa/Study permit. We may contact the Canadian visa office to confirm that no application was filed. When in Canada You have withdrawn enrolment from the Canadian educational institution after your arrival in Canada. In this case, please provide us with a copy of the cancelled visa/study permit issued by the Canadian visa office in India. Provide proof that you have returned to India. (Entry stamp in passport) HOW TO APPLY FOR A REFUND a. Download Click on to download the ICICI Bank Canada Student GIC Program refund application. b. Complete The refund application is a fillable PDF that must be typed to be accepted. Once complete, please validate, print, sign and keep a copy for your records. c. Submit You must submit the refund application through the ICICI Bank Canada Secure Service I. Any one from the list below: i. Refusal letter (all pages) provided by the Canadian visa office in India. ii. Passport page showing the cancelled visa/study permit issued by the Canadian visa office in India. iii. A self-attested letter confirming that you have not applied for a study permit. We may contact the Canadian visa office to confirm that no application was filed. 6

7 II. The wire transfer instructions form provided by your bank in India for the purpose of wiring/transferring funds to your investment account in Canada; and III. The application package you submitted to sign up for the Student GIC Program. NOTE: Your refund application should include all required documents scanned in order to be processed. This application should be sent through our Secure Service, by responding to the most recent notification you received from us. The subject line of your response must specify: ICICI SGP Student s full name (given/first name and last/surname) Passport Number Refund Request. 2. BANK CONFIRMATION Once your refund request is approved, we will verify that your study permit was declined or cancelled with the Canadian visa office in India. If your application is incomplete or incorrect, it will be returned to you with an explanation. You will need to revise and resubmit a corrected application. Please note that there may be some processing delays in such cases. 3. REFUND When your refund request is approved, we will redeem the outstanding principal plus accumulated interest from your account and wire your funds back to the bank account in India where your funds originated. We will send you a notification of the fund transfer through the ICICI Bank Canada Secure Service. Please be advised that: The refund may take up to 6 weeks to process, from the date when the correctly completed refund application is received by ICICI Bank Canada. If there are any corrections required, the refund may be delayed. The program fee is not refundable. Applicable transfer fees may be charged by ICICI Bank Canada. Additional fees may be charged by intermediary banks during the refund wire transfer. It is the student s responsibility to pay all additional fees incurred due to the refund. NOTE: Funds are returned to the bank account from which they were initially transferred to ICICI Bank Canada. International wire transfers may take up to 5 business days to reach your account. If you do not receive the funds within this timeframe, please contact us through the Secure Service. 7

8 Frequently Asked Questions (FAQs) GENERAL PROGRAM INQUIRIES Q. What is ICICI Bank Canada Student GIC Program? A. ICICI Bank Canada is a Canadian bank that is participating in the Student Partners Program (SPP) in India. With the ICICI Bank Canada Student GIC Program, a student can open an investment account in Canada from India, and invest in a Guaranteed Investment Certificate (GIC) in Canada. A GIC is a Canadian investment instrument (like a Fixed Deposit in India) that offers a guaranteed interest rate over a fixed period of time. It is similar to a fixed deposit account in India. Q. Why should I apply for the ICICI Bank Canada Student GIC Program? A. If you are applying to educational institutions in Canada under the SPP you must purchase a GIC to fulfil the proof of funds requirement for your Canadian visa/study permit application. Currently, there are 42 Canadian colleges participating in the SPP. For list of participating colleges click on If you are enrolled in a college or university that does not participate in SPP, you may still apply for the Student GIC Program to meet the Canadian visa office in India s proof of funds requirement. Another advantage of the program is that you will have a Canadian bank account once an investment account is set up in your name with ICICI Bank Canada. Q. What is a GIC? A. Guaranteed Investment Certificate (GIC)s are secure investments that guarantee your principal. Your investment earns interest at a fixed rate for the duration you have kept your funds for (It is similar to a Fixed Deposit in India). Benefits: Security and safety both your original investment and interest payments are guaranteed by CDIC Competitive interest rates guaranteed for the full term of the investment Flexible investment terms ranging from one year to five years Choice of interest payment frequencies e.g. monthly, annually Q. What is a Personal Account? A. Personal account is a bank account which is opened for day to day banking purposes. The chequing account, as is commonly called offers different facilities like a free debit card, free ATM usage, cheque book, and other services which are required for day to day banking. Q. Do I need to have confirmed admission to a Canadian educational institution to apply? A. Yes, you will need to have an acceptance letter from the educational institution to apply for the ICICI Bank Canada Student GIC Program. Q. Is my investment secure? A. ICICI Bank Canada is a member of the Canada Deposit Insurance Corporation (CDIC). Only deposits held in Canadian currency, with a term of five years or less and payable in Canada, are insurable under the Canada Deposit Insurance Corporation Act. Click here for further information on CDIC. Q. Will ICICI Bank Canada pay any interest under the program? A. For the latest interest rates for Student Investment Account and GIC under the Student GIC Program - Click on 8

9 APPLICANT INQUIRIES Q. How do I begin the application process? A. You must register for the ICICI Bank Canada Secure Service, a secure communication channel with ICICI Bank Canada. Q. When can I deposit funds into my investment account? A. You can apply for the ICICI Bank Canada Student GIC Program at any time during the year and deposit funds into your Investment Account. However, it is your responsibility to ensure that you apply for the program well in advance, so funds are deposited in your investment account before you apply for a study permit. Q. What documents are required to apply to the program? A. To apply, you will need to provide the following documents: i. Complete and signed copy of the ICICI Bank Canada Student GIC Program application, ii. Copy of passport pages (photograph page and the last page), and iii. Copy of acceptance/offer letter from a Canadian educational institution. Q. Where can I submit an application? A. An application can either be submitted online through the ICICI Bank Canada Secure Service or in-person at a designated ICICI Bank Limited branch in India. Q. Can I apply if the school I intend to attend is not listed as a participating college under the Student Partners Program? A. Yes, you can still apply even if your educational institution of choice does not participate in the Student Partners Program. Q. Can I open a joint investment account with ICICI Bank Canada? A. No. Under the ICICI Bank Canada Student GIC Program, the investment account can only be opened in the name of the student who is applying for a study permit under the Student GIC Program. Q. How do I follow up about my application status? A. You must communicate with us via the ICICI Bank Canada Secure Service for all questions related to your application. To contact us in India by phone, please call (India toll free). To help retrieve information efficiently, you must have a copy of your submitted application and the date of submission handy for the call. Q. What amount do I need to wire to ICICI Bank Canada? A. You must wire a total of $10,150, which includes $10,000 for your investment and $150 for the program fee. It is your responsibility to ensure that ICICI Bank Canada receives $10,150 CAD in full without any deductions. Any additional fees charged by your bank in India (e.g. wire transfer fees, intermediary bank charges etc.) need to be paid separately/directly by you. 9

10 Q. Will ICICI Bank Canada refund my investment in case of any issues? A. Yes, ICICI Bank Canada will refund your money under the following circumstances: (i) Your visa/study permit application was declined. (ii) Your application for admission to a Canadian educational institution was declined. (iii) You have withdrawn enrolment from the Canadian educational institution before your arrival in Canada. Note: Students can withdraw from the Student GIC Program even after arriving in Canada. However, they would need to provide evidence that they have withdrawn enrolment from their Canadian educational institution and returned back to India. The investment will only be refunded after verification of visa/study permit cancellation with the Canadian visa office Q. Can I transfer funds to my investment account through services other than a bank, such as a money exchange house (money transfer services)/third party services? A. No. Funds must be wire transferred from a bank in India where you hold an account exclusively in your name or is a joint account with your parent(s), or the money will be returned. You will be responsible for covering all administrative/intermediary bank fees incurred as a result of the return of funds. Q. Can a third-party deposit money into my ICICI Bank Canada Investment Account? A. No, only you can deposit funds into your investment account, from your bank account in India. The Indian bank account should be exclusively in your name or be a joint account with your parent(s) in India. In the event of a refund, the money will be returned to this bank account where the original remittance was made from. Q. How do I communicate with ICICI Bank Canada? A. All communications with ICICI Bank Canada must be via the ICICI Bank Canada Secure Service. However, if you need to contact us before registering, please us at You may also call us at (India toll free) for any further queries. Q. Can a third-party follow up with ICICI Bank Canada in regard to the status of my application? A. For privacy reasons, ICICI Bank Canada will not be able to disclose any information to anyone other than you. Q. How can I reset my Secure Service password? A. To reset your password, please refer to the Important Information section on the login page of the ICICI Bank Canada Secure Service for step-by-step instructions. Q. I have funded my investment account, but never completed my study permit application. Can I use my existing investment balance confirmation to re-apply for a study permit? A. Yes, you can use an existing Investment Balance Confirmation Certificate when re-applying for a study permit. The Canadian visa office in India will validate the investment balance confirmation with ICICI Bank Canada directly. 10

11 Q. Can I still use the same ICICI Bank Canada Investment Account if I defer enrolment or change my educational institution? A. Yes, you may still use the same ICICI Bank Canada Investment Account number. You must use the secure mail service to inform ICICI Bank Canada about the change and send us your new offer/acceptance letter from the educational institution. You must also highlight your new arrival date in Canada. Submit your update by responding to the most recent notification you received on the secure mail service. The subject line of your update must state: ICICI SGP Student s full name (given/first name and last/surname) Passport Number School Change or Defer Enrollment. Q. How can I update my personal or contact information (telephone number or home address or passport number)? A. If you need to update your personal information, you must notify us through ICICI Bank Canada Secure Online Mail Service with supporting documentation (if applicable) by replying to the last message received from us. The subject line of your update must state: ICICI SGP Student s full name (given/first and last/surname) Passport Number - Change Request Your request will be processed within 5 business days. You will then receive an automated confirmation stating that the request has been submitted and a second automated confirmation once the changes are applied. Note: If your passport number has changed, a copy of the first and last page of your new passport must be sent along with your update. Q. When submitting a request, what should I specify in the subject line of my e-response? A. When submitting a request, you must highlight the following within the subject line depending on the type of request The subject line must be formatted as follows: ICICI SGP Student s full name (given/first name and last/surname) Passport Number Please select suitable options from the list below Application Request Investment Confirmation Request Passport Number Change Address Change School Change Telephone Number Change Refund Request Q. Can I apply or am I eligible for Student Loan? A. International students from India that have study permits and are coming to Canada for their Master s degree program are eligible. Students enrolled in undergraduate programs (Bachelor s degree) are not eligible. Contact us: (India toll free) w icicibank.ca Ver

Disclosure Statement of Fees and Charges for Business Accounts

Disclosure Statement of Fees and Charges for Business Accounts Canada Disclosure Statement of Fees and Charges for Business Accounts The following information sets out our schedule of charges for Business Accounts effective June 1, 2016. Unless otherwise stated, all

More information

Disclosure Statement of Fees and Charges for Personal Accounts

Disclosure Statement of Fees and Charges for Personal Accounts Disclosure Statement of Fees and Charges for Personal Accounts The following section sets out our schedule of charges for personal accounts effective from June 1st, 2015. Unless otherwise stated, all fees

More information

Disclosure Statement for Business Chequing Plus Account

Disclosure Statement for Business Chequing Plus Account Disclosure Statement for Business Chequing Plus Account The following information sets out our schedule of charges for Business Chequing Plus accounts effective May 1, 2014. Unless otherwise stated, all

More information

TERMS AND CONDITIONS. 1.1 In this Terms and Conditions, the following words and phrases will have the meanings as assigned below:

TERMS AND CONDITIONS. 1.1 In this Terms and Conditions, the following words and phrases will have the meanings as assigned below: Money Transfers to India Account Holder TERMS AND CONDITIONS These terms and conditions ( Terms and Conditions ) apply to the HomeVantage Current Account and HiSAVE Remittance Account and should be read

More information

FAQs Electoral Bond Scheme

FAQs Electoral Bond Scheme FAQs Electoral Bond Scheme - 2018 State Bank of India Corporate Centre, Mumbai 1 FAQs for Electoral Bond Scheme - 2018 The FAQs for Electoral Bonds is divided into two Sections which will cover the following

More information

Standard Chartered Credit Card Frequently Asked Questions (FAQ)

Standard Chartered Credit Card Frequently Asked Questions (FAQ) Standard Chartered Credit Card Frequently Asked Questions (FAQ) 1 Credit card features What are the main features of Standard Chartered credit cards ("credit cards")? Our credit cards offer you up to 55

More information

Pure Banking Nothing Else TM

Pure Banking Nothing Else TM Pure Banking Nothing Else TM 77 City Centre Drive, Suite 106, Mississauga, Ontario, CANADA L5B 1M5 Tel: 905-896-6540, Toll Free: 1-866-SBIC-NOW (1-866-724-2669), Fax:905-896-6545 E-mail: sbican@sbicanada.com

More information

In addition, for the purpose of these Services, the following defined terms will be used: An Account enrolled in this Service.

In addition, for the purpose of these Services, the following defined terms will be used: An Account enrolled in this Service. Topic List Terms of Agreement 1. Definitions and Interpretation 2. Dual Administration (internet access RBC Express) 3. Passwords (internet access RBC Express) 4. Issuing Items 5. Advising Issued 6. Stop

More information

ONLINE BANKING SERVICES AGREEMENT

ONLINE BANKING SERVICES AGREEMENT Plumas Bank Business Online Banking Agreement THIS AGREEMENT and any and all attachments if applicable is made between Plumas Bank (Bank) and hereinafter known as the Customer. This Agreement provides

More information

PO Box Providence, RI Toll Free Phone: ONLINE BANKING DISCLOSURE & AGREEMENT

PO Box Providence, RI Toll Free Phone: ONLINE BANKING DISCLOSURE & AGREEMENT PO Box 6808 - Providence, RI 02940 Toll Free Phone: 1-800-398-8472 ONLINE BANKING DISCLOSURE & AGREEMENT General Online Banking: You may: Perform account inquiries on checking, savings, certificate and

More information

HSBC CREDIT CARDS FAQs

HSBC CREDIT CARDS FAQs HSBC CREDIT CARDS FAQs Section 1: Application Q: What HSBC Credit Cards may I apply for? A: You may apply for an HSBC Gold Visa Cash Back, HSBC Platinum Visa or HSBC Red MasterCard credit card. If you

More information

isave-iprumf FAQs Product Note July What is isave-iprumf? 2. Benefits of isave-iprumf?

isave-iprumf FAQs Product Note July What is isave-iprumf? 2. Benefits of isave-iprumf? 1. What is isave-iprumf? a. ISave-IPruMF is a mobile app from ICICI Prudential Mutual Fund, to help you in managing your savings more efficiently by investing your money in ICICI Prudential Liquid Plan-Growth

More information

U.S. Banking System Overview

U.S. Banking System Overview Date Here U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection against dishonest lending Lending to low-income populations U.S.

More information

FAQ s for Fresh Online Investment.

FAQ s for Fresh Online Investment. FAQ s for Fresh Online Investment. 1. How do I make the online fresh purchase process completely paperless? Subject to the following conditions fresh purchase process can be completely paperless: a) Bank

More information

YES Remit - Frequently Asked Questions

YES Remit - Frequently Asked Questions YES Remit - Frequently Asked Questions What is YES Remit? YES Remit is an online money transfer facility offered by YES BANK which enables NRIs from Australia, Canada, Singapore, Switzerland, United Arab

More information

MEETING WITH PATTAYA CITY EXPATS CLUB - A GROUP SEESION FOR PERSONAL BANKING

MEETING WITH PATTAYA CITY EXPATS CLUB - A GROUP SEESION FOR PERSONAL BANKING MEETING WITH PATTAYA CITY EXPATS CLUB - A GROUP SEESION FOR PERSONAL BANKING June 12th, 2013 Bangkok Bank Public Company Limited Global Payment Services Department 1 ACCOUNT OPENING 1. I am on a retirement

More information

Law Firm Self-Report Guidelines to Complete the Self-Report

Law Firm Self-Report Guidelines to Complete the Self-Report These guidelines are designed for the Law Firm Self-Report. A separate FAQ document has been prepared for the accountants to assist in the completion of the Accountant s Report. A user guide has also been

More information

How much does it cost to create and maintain an account with Dukascopy Payments? Account opening is free of charge.

How much does it cost to create and maintain an account with Dukascopy Payments? Account opening is free of charge. FAQ Dukascopy Payments What is Dukascopy Payments? How does it work? Dukascopy Payments is a mobile payment system developed by the Swiss Bank that allows you to make and receive money transfers globally

More information

New York Guide to List Billing WELCOME TO DEARBORN NATIONAL. Life Insurance Company of New York

New York Guide to List Billing WELCOME TO DEARBORN NATIONAL. Life Insurance Company of New York www.dearbornnational.com WELCOME TO DEARBORN NATIONAL UNDERWRITTEN BY DEARBORN NATIONAL LIFE INSURANCE COMPANY OF NEW YORK New York Guide to List Billing Life Insurance Company of New York Products and

More information

Business Banking. Terms and Conditions. For HSBC UK business current and savings accounts and services as of 13 January 2018.

Business Banking. Terms and Conditions. For HSBC UK business current and savings accounts and services as of 13 January 2018. Business Banking Terms and Conditions For HSBC UK business current and savings accounts and services as of 13 January 2018. Contents Page Business Banking Terms and Conditions 1 About this Agreement 3

More information

Itasca Bank Mobile Deposit FAQ

Itasca Bank Mobile Deposit FAQ Itasca Bank Mobile Deposit FAQ We have collected answers to the most frequently asked questions for you to refer to. But if you do not find what you are looking for here, or need additional information,

More information

Your. Getting Reimbursed Guide

Your. Getting Reimbursed Guide Your Getting Reimbursed Guide Table of Contents Introduction to Getting Reimbursed........... 4 Managing your HRA online................ 5 The Reimbursement Process............... 8 Getting Started with

More information

RADIUS BANK ONLINE BANKING SERVICES AGREEMENT

RADIUS BANK ONLINE BANKING SERVICES AGREEMENT RADIUS BANK ONLINE BANKING SERVICES AGREEMENT IMPORTANT INFORMATION ABOUT THIS AGREEMENT THIS AGREEMENT APPLIES TO CONSUMER, NON-BUSINESS USERS OF RADIUS BANK S ONLINE BANKING SERVICES ONLY. IF YOU ARE

More information

Terms and Conditions. Indian Rupee Travel Card

Terms and Conditions. Indian Rupee Travel Card Terms and Conditions Indian Rupee Travel Card TERMS AND CONDITIONS FOR ICICI BANK INDIAN RUPEE TRAVEL CARD The following terms and conditions ( Terms and Conditions ) apply to the ICICI Bank Travel Card

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Operating Guidelines for Donors

Operating Guidelines for Donors Electoral Bond Scheme - 2018 (Gazette Notification No 20 dated 2 nd January 2018) Operating Guidelines for Donors State Bank of India Corporate Centre, Mumbai 1. Purchaser of Electoral Bonds (Eligibility)

More information

Change account information on existing Pre-Authorized Rent Payment Plan (Direct Debit)

Change account information on existing Pre-Authorized Rent Payment Plan (Direct Debit) Pre-Authorized Rent Payment Plan (Direct Debit) PURPOSE OF THIS FORM with deadlines for submitting the form Please select one of the following: Apply for the Pre-Authorized Rent Payment Plan (Direct Debit)

More information

A Guide to Our Savings Account

A Guide to Our Savings Account A Guide to Our Savings Account EFFECTIVE JANUARY 1, 2017 PurePoint Financial is a division of MUFG Union Bank, N.A. Deposits of PurePoint Financial and MUFG Union Bank, N.A. are combined and not separately

More information

Schedule of Charges. St. Lucia. Corporate Banking. Effective: March 1, 2018

Schedule of Charges. St. Lucia. Corporate Banking. Effective: March 1, 2018 St. Lucia Corporate Banking Effective: March 1, 2018 1 2 CONTENTS 1 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS LOCAL 2 3 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS FOREIGN CURRENCY INTERNATIONAL BANKING

More information

COLLEGE OF DUPAGE PAYMENT PLAN FREQUENTLY ASKED QUESTIONS

COLLEGE OF DUPAGE PAYMENT PLAN FREQUENTLY ASKED QUESTIONS COLLEGE OF DUPAGE PAYMENT PLAN FREQUENTLY ASKED QUESTIONS How does the Payment Plan work? The Payment Plan allows students to make installment payments instead of paying the balance in full at time of

More information

INDEPENDENT BANK ELECTRONIC BANKING SERVICES AGREEMENT AND DISCLOSURE STATEMENT

INDEPENDENT BANK ELECTRONIC BANKING SERVICES AGREEMENT AND DISCLOSURE STATEMENT INDEPENDENT BANK ELECTRONIC BANKING SERVICES AGREEMENT AND DISCLOSURE STATEMENT READ THIS SERVICES AGREEMENT AND DISCLOSURE STATEMENT CAREFULLY AND PRINT A COPY FOR YOUR FILES. THIS SERVICES AGREEMENT

More information

Pockit Account and Card General Spend Terms and Conditions of Use

Pockit Account and Card General Spend Terms and Conditions of Use Pockit Account and Card General Spend Terms and Conditions of Use 1. The Account and Card 1.1 These terms and conditions apply to any holder of the Pockit Card ( the card ) and Account ( the account ).

More information

WELCOME TO TEXAS FIRST BANK S ONLINE USER AGREEMENT

WELCOME TO TEXAS FIRST BANK S ONLINE USER AGREEMENT WELCOME TO TEXAS FIRST BANK S ONLINE USER AGREEMENT BY CLICKING I ACCEPT, I AGREE, PROCEED, OR CONTINUE, AS APPLICABLE, OR BY USING ANY OF TEXAS FIRST BANK S ONLINE BANKING SERVICES (AS DESCRIBED HEREIN),

More information

Citizens One Student Loans FAQ

Citizens One Student Loans FAQ Citizens One Student Loans FAQ Student Lending, the Citizens One Student Loan and Citizens One Student Loan for Parents Q: Do I need to file the Free Application for Federal Student Aid (FAFSA) to apply

More information

AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS

AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS American Express Credit Cards THE PARTIES TO THE AGREEMENT The parties to this Cardmember Agreement (the Agreement ) are AMEX (Middle East) B.S.C. (c) (

More information

ACCOUNT AGREEMENT & DISCLOSURES. Effective September 30, 2017

ACCOUNT AGREEMENT & DISCLOSURES. Effective September 30, 2017 ACCOUNT AGREEMENT & DISCLOSURES Effective September 30, 2017 TABLE OF CONTENTS Introduction...1 General Information About All Of Our Accounts...1 Money Market Account...2 Additional Share ( savings ) Accounts...3

More information

HomePath Online Offers Guide for Selling Agents

HomePath Online Offers Guide for Selling Agents HomePath Online Offers Guide for Selling Agents 2012 Fannie Mae. Trademarks of Fannie Mae FM 0912 1 Table of Contents Introduction...3 Online Offers User Support...3 Your Account...4 Registering on HomePath.com...4

More information

Baroda MAX - Online Fixed Rate Bond

Baroda MAX - Online Fixed Rate Bond Baroda MAX - Online Fixed Rate Bond Frequently Asked Questions (FAQ) 1. Is Bank of Baroda regulated by the Regulatory Authority in UK? Yes, Bank of Baroda is authorized and regulated by the Prudential

More information

Features of ONLINE ACCOUNT ACCESS

Features of ONLINE ACCOUNT ACCESS Features of ONLINE ACCOUNT ACCESS INTRODUCTION As an investor, we understand that the two key factors that contribute to a successful investment process are getting real-time account information and having

More information

AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS

AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS AMERICAN EXPRESS CREDIT CARDS TERMS & CONDITIONS American Express Credit Cards THE PARTIES TO THE AGREEMENT The parties to this Cardmember Agreement (the Agreement ) are AMEX (Middle East) B.S.C. (c) (

More information

COLORADO JOHN R. JUSTICE PROGRAM REQUEST FOR APPLICATIONS. Overview, Eligibility and Application Instructions 2017 (FY17 Funds)

COLORADO JOHN R. JUSTICE PROGRAM REQUEST FOR APPLICATIONS. Overview, Eligibility and Application Instructions 2017 (FY17 Funds) COLORADO JOHN R. JUSTICE PROGRAM REQUEST FOR APPLICATIONS Overview, Eligibility and Application Instructions 2017 (FY17 Funds) Colorado Division of Criminal Justice Deadline for Submission: 10:00 p.m.

More information

Schedule of Charges Barbados Corporate Banking Effective: March 1, 2018

Schedule of Charges Barbados Corporate Banking Effective: March 1, 2018 Barbados Corporate Banking Effective: March 1, 2018 1 CONTENTS 1 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS LOCAL CURRENCY 2 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS FOREIGN CURRENCY 3 SUNDRY SERVICES

More information

Schedule of Charges. Barbados. Corporate Banking. Effective: J une 20, 2017

Schedule of Charges. Barbados. Corporate Banking. Effective: J une 20, 2017 Barbados Corporate Banking Effective: J une 20, 2017 1 CONTENTS 1 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS - LOCAL CURRENCY 2 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS - FOREIGN CURRENCY 3 SUNDRY SERVICES

More information

Participant Reference Guide

Participant Reference Guide Participant Reference Guide Welcome to FlexSystem and to the tax saving benefits of a Section 125 Cafeteria Plan. We hope you will find FlexSystem to be an efficient and valuable service. Our Participant

More information

Schedule of Charges. Barbados. International Corporate Banking. Effective: March 1, 2018

Schedule of Charges. Barbados. International Corporate Banking. Effective: March 1, 2018 Barbados International Corporate Banking Effective: March 1, 2018 1 CONTENTS 1 INTERNATIONAL CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS LOCAL CURRENCY 2 INTERNATIONAL CORPORATE DEPOSIT AND TRANSACTION

More information

Transaction and Savings Accounts

Transaction and Savings Accounts Transaction and Savings Accounts Terms and Conditions Booklet Effective 2 October 2017 Issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Contents About this document 3 Banking with us

More information

U.S. BANK FOCUS CARD. Frequently Asked Questions. The Focus Card. What is the Focus Card? How does the Focus Card work?

U.S. BANK FOCUS CARD. Frequently Asked Questions. The Focus Card. What is the Focus Card? How does the Focus Card work? Frequently Asked Questions What is the Focus Card? The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card,

More information

Commercial Banking Online Service Agreement

Commercial Banking Online Service Agreement Effective November 1, 2017 Commercial Banking Online Service Agreement Download PDF Welcome to Commercial Banking Online at Washington Federal. This Commercial Banking Online Service Agreement ( Agreement

More information

National Pension System (NPS) - FAQs

National Pension System (NPS) - FAQs 1) About NPS 1. What is National Pension System (NPS)? National Pension System is defined contribution based pension scheme is Government of India initiative to provide old age security and pension requirement

More information

Global Transaction Banking Products & Services. Business Tax Payment Service

Global Transaction Banking Products & Services. Business Tax Payment Service Global Transaction Banking Products & Services Business Tax Payment Service November 2016 Table of Contents Introduction to Scotiabank s Business Tax Payment Service... 3 Service Overview... 3 Registration

More information

Oracle Banking Digital Experience

Oracle Banking Digital Experience Oracle Banking Digital Experience Unsecured Personal Loans Originations User Manual Release 18.1.0.0.0 Part No. E92727-01 January 2018 s Originations User Manual January 2018 Oracle Financial Services

More information

Regulations for Non-Trading Operations

Regulations for Non-Trading Operations Regulations for Non-Trading Operations Version: March 2017 Table of contents 1. General Terms... 3 2. Suspicious Non-Trading Operations... 4 3. Communications... 5 4. Payments Policy... 6 5. Funds Transfer

More information

BERMUDA MONETARY AUTHORITY

BERMUDA MONETARY AUTHORITY BERMUDA MONETARY AUTHORITY GUIDANCE NOTES CLASS A AND CLASS B EXEMPT INVESTMENT FUNDS OCTOBER 2013 TABLE OF CONTENTS I. INTRODUCTION... 3 II. CLASS A EXEMPT FUND... 4 QUALIFICATION REQUIREMENTS... 4 CLASS

More information

Strategic China Business Studies

Strategic China Business Studies ENROLMENT FORM Strategic China Business Studies Course Date Course Time Course Fee Language Medium : 3 March 19 March 2015 (6 Sessions) : 7.00pm 10.00pm, every Tue & Thur : S$1,350 (Prevailing GST is applicable)

More information

TO: Merchants Insurance Group Commercial Lines Agents [EXCEPT NEW YORK]

TO: Merchants Insurance Group Commercial Lines Agents [EXCEPT NEW YORK] February 13, 2017 BULLETIN NO. 5622 TO: Merchants Insurance Group Commercial Lines Agents [EXCEPT NEW YORK] SUBJECT: Introduction of New Credit Card Payment Vendor Agency Bulletin Effective February 13,

More information

1. Background Filing Deadline A. Late Filings Reporting Requirements... 5

1. Background Filing Deadline A. Late Filings Reporting Requirements... 5 Trust Safety: Release: Final January 2018 Table of Contents 1. Background... 4 2. Filing Deadline... 4 A. Late Filings... 4 3. Reporting Requirements... 5 A. Firm Practice Profile... 6 B. Bank Accounts...

More information

Personal Banking Terms and Conditions. Effective from 13 January 2018

Personal Banking Terms and Conditions. Effective from 13 January 2018 Personal Banking Terms and Conditions Effective from 13 January 2018 Contents About this agreement 4 1. Who s this agreement between? 4 2. How do we contact each other? 4 3. What does this agreement cover?

More information

Oracle Banking Digital Experience

Oracle Banking Digital Experience Oracle Banking Digital Experience Retail Term Deposits User Manual Release 17.1.0.0.0 Part No. E83887-01 March 2017 Retail Term Deposits User Manual March 2017 Oracle Financial Services Software Limited

More information

Terms and Conditions for UBL UK NetRemit Service

Terms and Conditions for UBL UK NetRemit Service Terms and Conditions for UBL UK NetRemit Service a. These Terms and Conditions set out how you can access and use the NetRemit Service to make a remittance payment via the UBL UK NetRemit Service. b. You

More information

Following are the features offered by TBSB for Internet Banking; Index. Particulars

Following are the features offered by TBSB for Internet Banking; Index. Particulars Thane Bharat Sahakari Bank Ltd. with its 38 years of service to the nation embodies safety, trust and integrity. We have always woven these values into our relationship with customers. Internet banking

More information

Beneficial State Bank ONLINE BANKING ACCESS AGREEMENT AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE

Beneficial State Bank ONLINE BANKING ACCESS AGREEMENT AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE Beneficial State Bank Services and Prices Effective 2-1-2018 ONLINE BANKING ACCESS AGREEMENT AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE Agreement This Agreement is a contract which establishes the rules

More information

RIVER CITY BANK CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS & ONLINE BANKING TERMS AND CONDITIONS. Consent to Receive Electronic Communications

RIVER CITY BANK CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS & ONLINE BANKING TERMS AND CONDITIONS. Consent to Receive Electronic Communications RIVER CITY BANK CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS & ONLINE BANKING TERMS AND CONDITIONS Consent to Receive Electronic Communications This document includes consumer disclosures required under

More information

ebanking Agreement and Disclosure

ebanking Agreement and Disclosure ebanking Agreement and Disclosure This document contains two parts. Part A contains your consent to receive electronic communications from Cathay Bank. Part B sets forth the terms of our ebanking service.

More information

CHANGES TO THE ALLY BANK DEPOSIT AGREEMENT DATED DECEMBER 7, 2013 CHANGES EFFECTIVE APRIL 28, 2016 CHANGES EFFECTIVE NOVEMBER 7, 2015

CHANGES TO THE ALLY BANK DEPOSIT AGREEMENT DATED DECEMBER 7, 2013 CHANGES EFFECTIVE APRIL 28, 2016 CHANGES EFFECTIVE NOVEMBER 7, 2015 CHANGES TO THE ALLY BANK DEPOSIT AGREEMENT DATED DECEMBER 7, 2013 CHANGES EFFECTIVE APRIL 28, 2016 The following paragraph is added in Section 6 More About CDs and IRA CDs, under the Early Withdrawals

More information

CENTRAL COAST CREDIT UNION ACCOUNT & ACCESS FACILITY Conditions of Use

CENTRAL COAST CREDIT UNION ACCOUNT & ACCESS FACILITY Conditions of Use CENTRAL COAST CREDIT UNION ACCOUNT & ACCESS FACILITY Conditions of Use Date taking effect: 11 January 2018 The Central Coast Credit Union Account and Access Facility is issued by: Central Coast Credit

More information

Welcome to Union Bank. Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013.

Welcome to Union Bank. Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013. Welcome to Union Bank Important information regarding changes to your Santa Barbara Bank & Trust business account(s), effective April 22, 2013. Union Bank appreciates your business. Union Bank is honored

More information

KS CONNECT FOR PARENTS KS Electronic Enrollment Process - Step By Step Instructions Page 2 of 2

KS CONNECT FOR PARENTS KS Electronic Enrollment Process - Step By Step Instructions Page 2 of 2 KS CONNECT FOR PARENTS KS Electronic Enrollment Process - Step By Step Instructions Page 2 of 2 12. FACTS automatically calculates your payment amount in the next screen, based on the payment frequency

More information

FAQs for MOE Tuition Fee Loan (TFL) - Full-Time Undergraduate Students

FAQs for MOE Tuition Fee Loan (TFL) - Full-Time Undergraduate Students FAQs for MOE Tuition Fee Loan (TFL) - Full-Time Undergraduate Students TUITION FEE LOAN 1) What is a Tuition Fee Loan? The Tuition Fee Loan is a Government education loan to help students who require assistance

More information

Union Savings Bank Electronic Communications Disclosure

Union Savings Bank Electronic Communications Disclosure Union Savings Bank Electronic Communications Disclosure Before opening your Union Savings Bank account or enrolling in a Service, you must review and accept the Bank's Electronic Communications Disclosure

More information

Privacy Policy. State Bank of India ("We") is committed to ensuring that Your Information is used properly and is kept securely.

Privacy Policy. State Bank of India (We) is committed to ensuring that Your Information is used properly and is kept securely. Privacy Policy State Bank of India ("We") is committed to ensuring that Your Information is used properly and is kept securely. This Privacy Policy (together with the terms and conditions set out in the

More information

General agreement terms and conditions 1 (9) governing services with access codes

General agreement terms and conditions 1 (9) governing services with access codes General agreement terms and conditions 1 (9) 1. General Nordea Bank AB (publ), Finnish Branch (hereinafter the Bank ) offers its customers a service package accessible with access codes (hereinafter the

More information

AGREEMENT AND DISCLOSURE STATEMENT FOR ELECTRONIC BANKING SERVICES (Revised as of October 19, 2017)

AGREEMENT AND DISCLOSURE STATEMENT FOR ELECTRONIC BANKING SERVICES (Revised as of October 19, 2017) AGREEMENT AND DISCLOSURE STATEMENT FOR ELECTRONIC BANKING SERVICES (Revised as of October 19, 2017) I. Introduction This Agreement and Disclosure Statement for Electronic Banking Services (the Agreement

More information

This User Agreement is version 1.02 and is effective from 21st Jan 2014

This User Agreement is version 1.02 and is effective from 21st Jan 2014 IME (UK) LIMITED ONLINE REMIT USER AGREEMENT This User Agreement is version 1.02 and is effective from 21st Jan 2014 This Agreement Between IME (UK) Limited (hereafter referred as IME / Us / We )whose

More information

Citizens State Bank Business Bill Pay-e AGREEMENT DISCLOSURE

Citizens State Bank Business Bill Pay-e AGREEMENT DISCLOSURE Citizens State Bank Business Bill Pay-e AGREEMENT DISCLOSURE This is your Business Bill paying agreement with Citizens State Bank. You may use Citizens State Bank's bill paying service, Business Bill Pay-e,

More information

Date Here. Welcome University of Michigan International Students

Date Here. Welcome University of Michigan International Students Date Here Welcome University of Michigan International Students U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection against

More information

Plan Sponsor Administrative Manual

Plan Sponsor Administrative Manual Plan Sponsor Administrative Manual V 3.1 Sponsor Access Website January 2017 Table of Contents Welcome Overview... p 5 How to Use this Manual... p 5 Enrollment Overview... p 7 Online Enrollment Description...

More information

Frequently Asked Questions

Frequently Asked Questions (General Questions) General Questions (not account-specific) If I have any questions or concerns, who is my council contact? For general questions, please reach out to our wonderful Customer Care Team

More information

Consumer Electronic Fund Transfer Agreement and Disclosure

Consumer Electronic Fund Transfer Agreement and Disclosure Consumer Electronic Fund Transfer Agreement and Disclosure For use with our Account Agreement and Disclosures TABLE OF CONTENTS CONSUMER ELECTRONIC FUND TRANSFER SERVICES AGREEMENT AND DISCLOSURE 1 CONSUMER

More information

Green Book Reclamations

Green Book Reclamations 5 Overview Section 1 defines reclamation and provides some background information on the subject. Section 2 covers an RDFI s liability in the reclamation process. Topics include full and limited liability,

More information

A range of everyday banking transactions, now made FREE

A range of everyday banking transactions, now made FREE A range of everyday banking transactions, now made FREE Schedule of charges applicable from 1st December 2014. SCHEDULE OF CHARGES PRIORITY BANKING Criteria for Priority Banking customers: Your total deposits

More information

UNFCU Digital Banking Agreement

UNFCU Digital Banking Agreement UNFCU Digital Banking Agreement Please read this Digital Banking Agreement (the Agreement ) carefully. This Agreement sets forth the terms and conditions that govern your use of UNFCU s Digital Banking

More information

Schedule of Charges. BAHAMAS Corporate Banking. Effective: J u n e 20, Page 1 of 17

Schedule of Charges. BAHAMAS Corporate Banking. Effective: J u n e 20, Page 1 of 17 BAHAMAS Corporate Banking Effective: J u n e 20, 2017 Page 1 of 17 CONTENTS 1 PERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - LOCAL 2 PERSONAL DEPOSIT AND TRANSACTION ACCOUNTS - FOREIGN CURRENCY 3 SUNDRY SERVICES

More information

EBS DEMAND ACCOUNTS GENERAL TERMS AND CONDITIONS These Terms and Conditions are effective from 13th January 2018

EBS DEMAND ACCOUNTS GENERAL TERMS AND CONDITIONS These Terms and Conditions are effective from 13th January 2018 EBS DEMAND ACCOUNTS GENERAL TERMS AND CONDITIONS These Terms and Conditions are effective from 13th January 2018 Conditions 1. These Conditions apply to the operation of EBS Demand Accounts. Capitalised

More information

Quick Reference Guide Payment & Tax details for Incentive Programs using CHIP page 1

Quick Reference Guide Payment & Tax details for Incentive Programs using CHIP page 1 Payment & Tax details for Incentive Programs using CHIP page 1 New online experience for payment details on CHIP actions required 1. Microsoft is pleased to announce a new online experience* for payment

More information

Automatic Debit Authorization Form Downloaded from SallieMae.com Page 1 of 9. Here s what you need to know: How to Enroll in Automatic Debit:

Automatic Debit Authorization Form Downloaded from SallieMae.com Page 1 of 9. Here s what you need to know: How to Enroll in Automatic Debit: Downloaded from SallieMae.com Page 1 of 9 Enrolling in auto debit is a convenient way to make payments. You could also receive a 0.25 percentage point interest rate reduction on your eligible loan(s).*

More information

CITY OF TORONTO ACT APPLICATION BY TREASURER

CITY OF TORONTO ACT APPLICATION BY TREASURER Assessment Review Board, 655 Bay Street, Suite 1500, Toronto, Ontario M5G 1E5 Phone: (416) 314-6900 or 1-800-263-3237 Fax: (416) 645-1819 or 1-866-297-1822 Website: www.arb.gov.on.ca CITY OF TORONTO ACT

More information

THE EASTERN COLORADO BANK PERSONAL ONLINE BANKING AGREEMENT

THE EASTERN COLORADO BANK PERSONAL ONLINE BANKING AGREEMENT Welcome to The Eastern Colorado Bank's Personal Online Banking Enrollment Agreement, Member FDIC. By clicking on the "I Agree" below, you are giving us permission to set up service for you as an Online

More information

Schedule of Charges. Barbados. Business Banking. Effect ive: F ebr u a r y 1, 2018

Schedule of Charges. Barbados. Business Banking. Effect ive: F ebr u a r y 1, 2018 Barbados Business Banking Effect ive: F ebr u a r y 1, 2018 1 1 DEPOSIT AND TRANSACTION ACCOUNTS - LOCAL CURRENCY 2 DEPOSIT AND TRANSACTION ACCOUNTS - FOREIGN CURRENCY 3 SUNDRY SERVICES 4 LENDING AND CARD

More information

Documents to be submitted during the time of reporting at the Reporting Centre (RC)

Documents to be submitted during the time of reporting at the Reporting Centre (RC) Documents to be submitted during the time of reporting at the Reporting Centre (RC) 1. Print out of locked choices 2. Seat Allotment Letter (Print out taken from CCB Website) 3. Originals for verification

More information

OAKWOOD BANK 8411 PRESTON RD STE 600 LB 35 DALLAS TX Internet Banking Agreement and Disclosure

OAKWOOD BANK 8411 PRESTON RD STE 600 LB 35 DALLAS TX Internet Banking Agreement and Disclosure OAKWOOD BANK 8411 PRESTON RD STE 600 LB 35 DALLAS TX 75225 Effective Date: October 1, 2017 Internet Banking Agreement and Disclosure Internet Banking Department: 469-687-2200 8411 Preston Rd Ste 600 LB

More information

Schedule of Charges. Cayman Islands. Corporate Banking. Effective: March 1, 2018

Schedule of Charges. Cayman Islands. Corporate Banking. Effective: March 1, 2018 Schedule of Charges Cayman Islands Corporate Banking Effective: March 1, 2018 1 Schedule of Charges CONTENTS 1 CORPORATE DEPOSIT AND TRANSACTION ACCOUNTS LOCAL CURRENCY 2 CORPORATE DEPOSIT AND TRANSACTION

More information

Electronic Funds Transfer Guide. Automated Clearing House (ACH) Credit Method Application Form and Instructions Included

Electronic Funds Transfer Guide. Automated Clearing House (ACH) Credit Method Application Form and Instructions Included Electronic Funds Transfer Guide Automated Clearing House (ACH) Credit Method Application Form and Instructions Included INTRODUCTION NOTE - Effective with reports for the quarter ending March 31, 2008

More information

BALANCE COMPUTATION METHODS. The daily balance method applies a periodic rate to the full amount of principal in the account each day.

BALANCE COMPUTATION METHODS. The daily balance method applies a periodic rate to the full amount of principal in the account each day. TRUTH-IN-SAVINGS DISCLOSURE Non-interest Bearing Accounts TODAY'S DATE Feb 12, 2018 ACCOUNT TYPE FREE BLUE CHECKING (311) ACCOUNT NUMBER INTEREST RATE 0.00% ANNUAL PERCENTAGE YIELD 0.00% HOW WE DETERMINE

More information

MFC AUCTIONS STEP BY STEP ONLINE AUCTION GUIDE. MFC a division of Nedbank

MFC AUCTIONS STEP BY STEP ONLINE AUCTION GUIDE. MFC a division of Nedbank MFC AUCTIONS STEP BY STEP ONLINE AUCTION GUIDE MFC a division of Nedbank MFC AUCTIONS 5 STEPS TO BUYING A VEHICLE ON AUCTION View (Auctions) Browse the Auctions and view the catalogue of available vehicles

More information

ONLINE SERVICES AGREEMENT Updated November 14, 2014

ONLINE SERVICES AGREEMENT Updated November 14, 2014 ONLINE SERVICES AGREEMENT Updated November 14, 2014 We suggest you carefully read this document and print a copy for your records. Once you have completely reviewed the information contained herein, click

More information

Getting started with AvtaleGiro

Getting started with AvtaleGiro Getting started with AvtaleGiro Payee s guide Getting started with AvtaleGiro v 2.2 july 2013 p. 1-16 Contents 1 INTRODUCTION... 3 2 PAYEE/BANK... 3 2.1 PARTICIPANTS... 3 2.2 DESCRIPTION OF THE CURRENT

More information

BUSINESS INTERNET BANKING

BUSINESS INTERNET BANKING Page 1 of 7 BUSINESS INTERNET BANKING Operating Mandate Fill out form below, sign and drop off at any Republic Bank branch. Customers who reside abroad and wish to apply for Internet Banking (IB) must

More information

Further Information Guide

Further Information Guide Further Information Guide Macquarie Cash Management Account 13 November 2017 The following information is incorporated by reference in the current Macquarie Cash Management Account (Account) Product Information

More information

Tariff Booklet 2017 CONTENTS. JustOne Savings Account 1-2. Brunei Dollar Current Account 3. Foreign Currency Current Account 4-5

Tariff Booklet 2017 CONTENTS. JustOne Savings Account 1-2. Brunei Dollar Current Account 3. Foreign Currency Current Account 4-5 CONTENTS JustOne Savings Account 1-2 Brunei Dollar Current Account 3 Foreign Currency Current Account 4-5 Fixed Deposit Account 5 Flexi Fixed Deposit 6 Inward / Outward Remittances Draft and Telex Service

More information

UCAA Expansion Application Insurer User Guide December 2017

UCAA Expansion Application Insurer User Guide December 2017 UCAA Expansion Application Insurer User Guide December 2017 2017 National Association of Insurance Commissioners All rights reserved. Revised Edition National Association of Insurance Commissioners NAIC

More information