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Gold and platinum offer clues about the moon’s mysterious tilt

A total solar eclipse occurs somewhere on Earth about once every year and a half, on average. But imagine if it happened every single month. For this to be the case, the moon would have to orbit Earth in the same plane in which Earth travels around the sun – that way, the new moon would always come directly between us and the sun.

Instead, the moon circles Earth in a slightly different plane that’s tilted by 5 degrees relative to the plane of the solar system. It used to be even worse – about 4.5 billion years ago, when the moon was newly formed and hadn’t spent much time under the influence of Earth’s tides, it was askew by 10 degrees.

Experts believe the moon was born after a Mars-sized object slammed into the young Earth and knocked loose a bunch of debris that coalesced into the satellite we know today. If simple physics had prevailed, the resulting moon should have been tilted by no more than 1 degree.

What happened? It’s an enduring mystery. Scientists even have a name for it that sounds like the title of a Robert Ludlum novel: The lunar inclination problem.

Two researchers from the Observatoire de la Cote d’Azur in France have a new theory to explain this situation. Writing in the journal Nature, they posit that the young moon was pulled out of its original orbital plane by the gravity of large objects whizzing by.

In the past, scientists have considered the effects of the objects that collided with Earth. But as Kaveh Pahlevan and Alessandro Morbidelli note, before each collision, there were probably 1,000 to 10,000 near-misses.

Pahlevan and Morbidelli used computer simulations to estimate the effect of all these flybys during the first 100 million years of the moon’s history. They found that no single object would have been big enough to yank the moon out of its expected orbital plane all by itself. But the gravity of many objects combined could have done the job.

In fact, the pair calculated that their scenario works beautifully if the objects that struck Earth and added the last 0.75% to 1.5% of the planet’s mass numbered less than five.

The story not only explains the moon’s odd tilt, it also accounts for the abundance of certain metals in Earth’s crust – especially gold and platinum.

As Robin Canup of the Southwest Research Institute in Boulder, Colo., explained in an essay that accompanies the study, both of these precious metals have “strong chemical affinities for iron.” If these elements had been present in the Earth’s early, molten days, the iron that sank to the planet’s core would have taken the gold and platinum along with it. But enough of it exists at the surface that it must have arrived here after the core had formed.

Indeed, these metals were probably delivered by “large objects left over from the formation of the inner planets,” wrote Canup, who studies the origins of the solar system. If there were many such objects, some of them should have hit the moon and deposited gold and platinum there, too. The relative dearth of these precious metals on the moon strongly suggests that Earth was hit by a few large objects rather than many small ones, she wrote.

Overall, the evidence from these metals offers compelling evidence in support of Pahlevan and Morbidelli’s theory that planetary dregs passing by the young moon skewed its orbital plane, she wrote.

“Had such a population of objects not existed, the Moon might be orbiting in Earth’s orbital plane, with total solar eclipses occurring as a spectacular monthly event,” Canup wrote. “But our jewelry would be much less impressive – made from tin and copper, rather than from platinum and gold.”

Follow me on Twitter @LATkarenkaplan and “like” Los Angeles Times Science & Health on Facebook.

Источник: https://www.latimes.com/science/sciencenow/la-sci-sn-how-moon-got-tilt-20151121-story.html

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Last Updated: 29-01-2020

Let's cut to the chase. Some links on this site pay us referral fees for sending business and sales. We value your time and money and won't waste it. For our complete advertising policy, click here. The content on this page is not provided by any companies mentioned, and has not been reviewed, approved or otherwise endorsed by these entities. Opinions expressed here are the author's alone.

In any normal year, which this totally isn’t, the best you can typically hope to earn on rewards credit card spending is around 5X points. And 5X is amazing! But right now, Amex has up to 225,000 points and 10X earning on spending to prove that this is not a normal year, but it may be getting better with each day.

Those exciting credit card welcome bonuses everyone loves? Those typically top out around 100,000 points, and most Amex Platinum bonuses top out at 60,000. But in this unusual time, card issuers are competing to be the card you pull out of your wallet on each transaction, and it could be a brilliant time to consider beefing up future travel perks with Amex Platinum.

If you’ve been considering joining those frustratingly happy people hanging out in Amex Centurion Airport Lounges before a flight, or you enjoy 4PM late checkout on hotel stays, Amex has a ridiculously lucrative new opportunity to join them, via a Platinum Card offer bringing up to 225,000 points within the first six months.

Amex Platinum Huge 75,000 + 10X Offer

Amex Platinum, despite the $550 annual fee, has become an easier and easier card to justify holding onto in recent years. That’s only continued in recent months, thanks to a series of limited time fee credits (money off purchases), elite status perks in travel, and special offers on things you may actually want to buy which offset the fee entirely, or more.

With travel rebounding but not nearly at rates we experienced before, it’s expected to be an incredible year to see the world (with many people still sitting things out), and Amex has brought back a huge offer on the Platinum Card, with spending benefits you can reap today, via a two tiered offer.

You care, because all together they can add up to 225,000 points rather quickly, which is enough to fuel almost any future luxury adventure, whenever it may be.

The card is offering a 75,000 Membership Rewards Points welcome bonus after $5k in spending within the first 6 months, but also gives you 10X Points on the first $15,000 of spend on US Supermarkets and Gas Stations for the first six months in addition.

Card Match Tool may have better offers, but not everyone will be eligible for targeted offers, whereas everyone can enjoy this bonus.

  • Spend $5,000 in 6 months, get 75,000 Amex Points.
  • Plus, 10X Points on your first $15,000 at U.S. Supermarket + Gas Stations.

Basically, if you’re spending a total of $20,000 on the card in the first six months, which comes to $3,333 per month – you could earn at least 225,000 Amex Points, which easily becomes one of the best ever welcome bonuses on any rewards credit card. Gas prices are going up, btw…

If you spend $5,000 to trigger the bonus in the first six months, but spend it all on U.S. Supermarkets and Gas, you’d end up with the 75,000 points, plus an additional 50,000 from the 10x on $5k. Make sense? You can check out the offer here.

Platinum Fee Credits And Limited Time Benefits

Thinking $550 for a credit card is a steep expense to justify right now? Perhaps, but not if you can come out ahead and actually benefit your travels, via the many fee credits Amex Platinum cardholders enjoy right now…

  • $200 annual airline fee credit.
  • $15 in monthly Uber/UberEats credit ($180 min value).
  • $100 in Saks 5th Avenue credit annually.

Total: $480, if used in full.

On top of these standard fee credits offered by the Platinum Card, Amex has some exclusive discounts on US airfare right now, and limited time travel oriented offers which add to the $480 in fee credits established above, including…

  • $100 credit on Fine Hotels & Resorts experiences.
  • $9.99 monthly credit for UberEats Pass.

These number could go even higher if new fee credits are added, or current limited time credits are extended by Amex.That’s all potentially more money back in perks than the $550 annual fee, before even beginning to value in the things Amex Platinum is famous for.

Think: lounge access at airports – potentially worth $100’s – elite guest status from Hilton and Marriott, also potentially worth $100’s – and hotel perks like ‘third night free’ offers, room upgrades, 4pm late check out and more, via Amex Fine Hotels & Resorts.

Basically, there’s a few ways to offset the annual fee entirely, many of which don’t even require leaving the house or getting out of your sweatpants. Don’t lie, we’re all doing it.

If you, like many people, are using this time to cook more and stock the pantry, the 10x points earning at U.S. Supermarkets and Gas Stations is extraordinary. It’d be hard to blame you if you stood there and offered to pump everyone’s gas, or buy everyone’s groceries on your Platinum card in exchange for cash!


If you max out that 10X spending offer, you’d earn 150,000 additional points, on top of the 75,000 point welcome bonus.


225,000 Points Can Go Far

With the increased 75,000 point offer, even if you only manage another $5,000 in spending in the first six months on groceries and gas – less than $1000 a month – it still adds up to a gigantic 125,000 point welcome, thanks to the 10x points earned.

Here’s a look at the 18 luxury travel reasons Amex Platinum is worth it, and the best ways to spend Amex Points.

If you’ve been considering Amex Platinum, or hadn’t at all, this is one of the best ever times to take the plunge, given the huge fee credits, massive welcome bonus and the optimistic news that travel will return to some level of normalcy within a year.

Check out this stunning limited time offer from Amex bringing up to 225,000 points.

Gilbert Ott is an ever curious traveler and one of the world's leading travel experts. His adventures take him all over the globe, often spanning over 200,000 miles a year and his travel exploits are regularly... More by Gilbert Ott

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Jun 29, 2019 · Platinum Credit Card Login. By following these simple steps you’ll be able to apply for 60secondpremier credit card. just in case you don’t own it already. At first, go to the www.60secondpremier.com. On the form, enter your first and last name, your address, last 4 digits of your Social Security Number. PlatinumOffer.com Online Reviews

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First PREMIER Bank offers realtime credit card alerts! You can quickly and easily set up free alerts for purchase limits, PIN changes, international transactions and much more all from your mobile phone. Checking your available credit, recent transactions or payment history has never been easier.

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American Express is apparently sending out targeted emails to select card members enticing them to apply for a personal Platinum card.

Personal Platinum Targeted

The offer comes with an RSVP code to apply. Typically, most Amex sign up offers exclude customers who have or have had the card in question. In other words, Amex sign up bonuses are usually limited to once-per-lifetime. Notably, this email offer does not have any once-in-a-lifetime language. At this point, we don’t know whether or not this is meaningful as we don’t have any data points with this particular offer. However, based on past targeted data points via mail, the absence of once-per-lifetime language usually indicates that the offer is not restricted. At least anecdotally, Amex seems to be increasing exceptions to the once-per-lifetime limitations. If you’re interesting in trying for it, keep your eye out for a targeted email. The subject line says, “Congratulations. You’re Selected to Apply for An Exclusive Offer.” or “Congratulations [First Name]! Get Exciting New Benefits with The Platinum Card® Membership.”

For those who like reading fine print, here is the fine print included:

Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

Источник: https://frequentmiler.com/targeted-personal-platinum-offer-wo-lifetime-language/

The bancorp bank checking account

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At BlueVine, you don't have to pay monthly service fees or for your first two checkbooks. 645 shares of Valley The recipient’s account number and transit routing number can be used to transfer money into their account using online banking or an app. The best no-fee checking accounts of November 2021. Online Banking Verbal to Bank LOI Form (must follow up with Form within 14 days otherwise order is Find 407 listings related to The Bancorp Bank in Wichita on YP. 95/month, Southern Bancorp Bank is not the best product for people who want a basic checking account. Fully editable photoshop template. Through the app, consumers can upload and deposit checks, manage their spending and savings accounts, and send money. Benefits of Cash Advantage Checking; Benefits of Cash Advantage Lending; Tools Catalyst Bancorp Inc. 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The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U. Export “Personal Account” is an account in the name of natural person(s), i. must. “Deposit Account” means any checking account, savings account, or money market account opened with the Bank. This is distinguished from a “Non-Personal Account” which is an account in the name of a corporation, partnership, trust, or other Entity. The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account. Conditions and exceptions apply - see Checking Account Agreement. com. That's why all Litchfield Bancorp - A Division of Northwest Community Bank business accounts offer a wealth of convenient features and sophisticated, local service without all the "big bank" fees. Conditions and exceptions apply - see Checking Account Agreement . 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PayPal’s app or website allows Depositor Name as Shown on Bank Records _____ Checking Account Number/ Transit Routing Number (A voided check or spec sheet. Bank. BUSINESS OVERVIEW: ISSUANCE • Sponsorship of prepaid and other electronic access accounts across the payments space • Sponsorship of private label banking (e. , checking account with a debit card) Aug 31, 2021 · Deposits are also FDIC-insured up to $250,000 per account with The Bancorp Bank. 95 National Average: $3. 645 shares of Valley Banking Services provided by The Bancorp Bank or Stride Bank, N. , Sept. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. , the financial holding company and the parent of The Lyons National Bank, declared a $0. The Bancorp Bank is a subsidiary of The Bancorp, Inc. The accounts require a $25 minimum opening deposit. Please complete the ACH Loan Payment form. 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There may be no fees, but the bank may charge them. It quickly became one of the premier online consumer banks thanks to its numerous account offerings such as online checking and savings accounts, along with investment and loan products which include their line of prepaid debit cards. Fake Bancorp Bank Statement. , Members FDIC. Sep 14, 2016 · Varo and The Bancorp Bank Announce Partnership to Support Mobile Checking and Savings Accounts. FREE Branch access, telephone banking, bill pay, check cashing, online banking, bank alerts, electronic monthly statements, and in branch deposits. Worrying about business checking accounts should never be on the menu. 21. and may be used everywhere Visa debit cards are accepted. Statement Copy. Bancorp runs/ holds alot of funds for prepaid expensive cards like netspend, so i was weary at first. A good checking account is a As BlueVine is not a bank, its banking services are provided by The Bancorp Bank, and all accounts are insured by the Federal Deposit Insurance Corp. 01, 2021 (GLOBE NEWSWIRE) - Valley National Bancorp (NASDAQ:VLY) (“Valley”) announced that its merger with The Westchester Bank Holding Corporation (“Westchester”) was completed effective December 1, 2021. , member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U. The bank’s headquarter is located in Wilmington. the bancorp bank checking account

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The bancorp bank checking account

the bancorp bank checking account be attached for this account) TO: _____ _____ (Bank Address: Street, Box #, City, State and Zip Code) Depositor authorizes The Bancorp Bank to present automated debits and credits to 2 days ago · NEW YORK, Dec. 645 shares of Valley The Bancorp Bank is FDIC #35444 and has been actively insured by the FDIC since July 2000. The Bancorp Bank does not provide tax or legal advice. 2 days ago · NEW YORK, Dec. Nov 15, 2021 · Banking services provided by The Bancorp Bank or Stride Bank, N. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that Mar 24, 2010 · The Bancorp Bank Teams Up with AccountNow. Banking Services provided by The Bancorp Bank, Member FDIC. Landry Homestead Federal Savings Bank. Financial professionals can now keep all of their clients’ assets under one roof with value-driven checking accounts that include mobile and online access to funds, allowing clients to easily move money with ACH and domestic wire transfers. 2. Nov 01, 2021 · Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N. Monthly Statement Service Charge Waived if Opted in to E-Statements (electronic statements) Check Images Available: In statements mailed or online. ; Members FDIC. Sep 01, 2021 · The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account. Download the Informational Guide here. While it uses the banking services of The Bancorp Bank, Chime builds its features and perks on top of the engine they provide. Bancorp from $62. Oct 01, 2020 · ISSUING BANK. Aug 24, 2016 · 5 Star Rating. Aug 31, 2021 · Deposits are also FDIC-insured up to $250,000 per account with The Bancorp Bank. The 114924742 ABA Check Routing Number is on the bottom left hand side of any check issued by THE BANCORP BANK. $0 minimum opening deposit. Issuing bank for leading prepaid card and debit programs. 645 shares of Valley “Personal Account” is an account in the name of natural person(s), i. Signature of Depositor in Agreement with Bank Records. Investment products and services are available through U. Client Access; Financial Professional Access to Client Accounts; Linking Client Accounts held at The Bancorp Bank in eMoney; Payments/Payoffs; Product Information; Rates and Fees. 645 shares of Valley Nov 13, 2018 · The Bancorp Bank is FDIC #35444 and has been actively insured by the FDIC since July 2000. PayPal’s app or website allows U. Southern Bancorp Bank does not refund out-of-network ATM charges, meaning you'll be required to find a Southern Bancorp Bank ATM or eat the cost of withdrawal. The Bancorp Bank Customer Reviews, Frequently Asked Questions, Rates, Branches, Related Articles, and Financial Summary - 2021 Jan 16, 2012 · The Bancorp Bank is trailblazer in financial services and one of the few companies in the world specialized in providing private label banking and technology solutions to meet the unique business needs of non-bank companies. Sep 23, 2019 · The Bancorp Bank is a bank where is located in Delaware. This account provides EVERYTHING you need in one simple account. Feb 22, 2021 · At $2. How does this work is a good … Personal I-Banking is Free with a Personal Checking Account at Litchfield Bancorp- A Division of Northwest Community Bank. Monthly Fee $2. Tutorial Video. 00 and gave the stock an “outperform” rating in a research report on Friday, October 15th. Fees may reduce earnings on the account. Bank charges 2 days ago · NEW YORK, Dec. g. , individuals. Limited to one new checking account per customer. Checking accounts, savings accounts, debit cards, p2p, fee-free overdraft: Mar 25, 2020 · The Bancorp Bank is headquartered in Wilmington and is the 9 th largest bank in the state of Delaware. See reviews, photos, directions, phone numbers and more for The Bancorp Bank locations in Wichita, KS. Valley will issue approximately 15. 39 % GROSS DOLLAR VOLUME GROWTH. Overdraft protection – For clients who maintain a Securities-Backed Line of Credit (SBLOC) with us, your Solutions Checking account can be linked to the SBLOC to cover overdrafts that may occur against your Solutions Checking account. This bank’s checking accounts offer modest interest rates compared with the best online checking accounts out there. (2) The Higher Rate is paid on Performance Checking account balances from $0-$30,000, and non-BancorpSouth ATM fee refunds and credits (a total of $4. S. Feb 06, 2020 · Categories: Bancorp Bank, Daily news, SoFi Financial services startup SoFi is partnering with The Bancorp to serve as the company’s backend banking provider and card issuer for SoFi Money . Apr 27, 2021 · The Bancorp Bank PLS checking The Bancorp Bank Closed my Account and stole my money with no explanation and refused to return any of my money Wilmington Delaware Bank Fraud, Credit Card Service, Collection Agency : Bank Account Debit Fraud : Bank Check Order : Online banking : bank fraud : old bank account : The Bancorp Bank 2 days ago · NEW YORK, Dec. The Bancorp Deposit Services create additional wealth management options for financial professionals and retirement plan sponsors. Learn more about The Bancorp. Minimum Balance to open: $1,000. Bancorp Investments, the marketing name for U. Free Online Banking & Bill Pay. Export Verbal to Bank LOI. org. *Securites-based borrowing has special risks and may not be suitable for everyone. be attached for this account) TO: _____ _____ (Bank Address: Street, Box #, City, State and Zip Code) Depositor authorizes The Bancorp Bank to present automated debits and credits to The Bancorp Bank does not endorse or sponsor and is not affiliated in anyway with SBA-PPP Loans. Premier options and affordability are waiting for you with The Bancorp Bank's OnePoint Checking account. PayPal’s app or website allows Oct 01, 2021 · The checking account is serviced by The Bancorp Bank, which provides FDIC insurance and the BlueVine Mastercard® Debit Card for the account. Brighton Plus Checking. 7 million shares of common stock in the transaction. How to choose the right checking account If you haven't found the kind of checking account that suits your financial habits or situation, there are many more options out there that may fit the bill. NO overdraft or NSF Fees. PAYMENT . 14, 2016 /PRNewswire/ -- Varo Money, Inc. Truly fee-free checking is only available to students, although it’s possible to avoid monthly service fees rather easily. Aug 06, 2020 · I have a checking account through Bancorp that was given to me from the university I was attending. Bancorp Bank Statement Template. No matter where you are in life, BancorpSouth checking services are right where you are. 645 shares of Valley May 31, 2021 · The Bancorp Bank partners with several other big-name fintechs. Detailed account information including: balances, history and check images. Security Matters. Chime offers mobile and online financial services with an award-winning app that allows their members to manager their money on-the-go. Consult a tax advisor for tax-related matters and an attorney for legal matters. Please update your ACH filter (on the above reference account) to grant access to The Bancorp Bank. However it is still good. Bank charges Brighton Plus Checking. PayPal’s app or website allows Order The Bancorp Bank Checks here at Bankchecks. High quality template. Welcome to The Bancorp Bank. The Company offers saving accounts, account checking, consumer and business loans, credit and debit cards, online and mobile banking, bill payment and other financial services. 00 for each of the first five non-BancorpSouth ATM transactions each statement cycle) are given at the end of each statement cycle, when all of the following three requirements are met during a statement cycle: 1. Open a Varo Savings Account and meet Varo’s three easy requirements (see below) to earn 3. The Bancorp Bank powers 100+ private-label non-bank partners and processes $232 billion annually. Bancorp Investments, Inc. A minimum of $25 is required to open an account. 00 to $66. Wire Transfer Instructions: The Bancorp Bank Wilmington, DE 19809 ABA Number 031101114 Account Number 001119100 Account Name: Loan Operations Find 407 listings related to The Bancorp Bank in Wichita on YP. Consult a financial professional about any associated risks. OnePoint Checking. ("Varo" or "the The safe, easy, and smart way to manage your money. The safe, easy, and smart way to manage your money. This Photoshop template is a layer based psd file Verbal to Bank LOI. Checking Services. Customers can open an account at one of its 1 Branches. Online view of account transactions and images of cleared checks available for up to 12 months. Lost and stolen ATM/Debit Card afterhours support 24/7/365. e. Jul 28, 2000 · The Bancorp Bank was founded in July 2000 and is based in Wilmington, Delaware. etc. 00% Annual Percentage Yield* on balances up to $5,000 — one of the best online savings yields in the business. PayPal’s app or website allows Nov 30, 2021 · Royal Bank of Canada raised their target price on U. The Bancorp banking products and services create opportunity for holistic wealth management. With our white-label lending and deposit products, financial professionals can directly offer clients’ the financial flexibility to meet their individual needs, while strategically managing assets and liabilities to preserve wealth. Nov 30, 2021 · Royal Bank of Canada raised their target price on U. up to $250,000. Rates; Program Information. Inc. U. and was founded in 2000 in Wilmington, Delaware. Discover the personal checking accounts and the features and benefits that come with each BancorpSouth checking account service. For example, Venmo’s Mastercard debit card comes from The Bancorp Bank. The RSSD ID for The Bancorp Bank is 2858960. You can edit this template and put any : name, address, number, Id number, expire date, barcode, balance, account number. Oct 01, 2021 · The checking account is serviced by The Bancorp Bank, which provides FDIC insurance and the BlueVine Mastercard® Debit Card for the account. You are not just able to print checks for your banks. Account Opening; Account Services; Online Account Access. It's a legit bank account just minus the checks. $5 monthly fee. -- ( BUSINESS WIRE )--The Bancorp Bank Payment Solutions Group, a division of The Bancorp 2 days ago · NEW YORK, Dec. The bank goes offline and I have no access to my funds. SAN FRANCISCO and WILMINGTON, Del. Easy to customize, Layer based. PayPal’s app or website allows Oct 01, 2021 · The Varo Bank Account is a user-friendly online checking account with no minimum deposit or balance requirements and no bank account fees. Great customer service, spotme overdraft up to 100 with no fees is legit, my ssdi gets deposited 4 days early, app is quite user friendly. At BlueVine, you don't have to pay monthly service fees or for your first two checkbooks. 645 shares of Valley The recipient’s account number and transit routing number can be used to transfer money into their account using online banking or an app. The best no-fee checking accounts of November 2021. Online Banking Verbal to Bank LOI Form (must follow up with Form within 14 days otherwise order is Find 407 listings related to The Bancorp Bank in Wichita on YP. 95/month, Southern Bancorp Bank is not the best product for people who want a basic checking account. Fully editable photoshop template. Through the app, consumers can upload and deposit checks, manage their spending and savings accounts, and send money. Benefits of Cash Advantage Checking; Benefits of Cash Advantage Lending; Tools Catalyst Bancorp Inc. By using our online banking system, you can safely and securely: Check out our newly enhanced Online Bill Pay system, designed to improve your banking experience with us. 3. 31 quarterly cash dividend on its common stock. We also have hundreds of designs and motifs to choose from. The recipient’s account number and transit routing number can be used to transfer money into their account using online banking or an app. Online Banking Sign into Online Banking Funds Transfer. I decided to make the account one of my primary checking accounts and that has turned out to be a big mistake. In some cases, the order of the checking account number and check serial number is reversed. Online Banking Verbal to Bank LOI Form (must follow up with Form within 14 days otherwise order is The Bancorp Bank is an FDIC insured bank located in Wilmington and has 6562652 in assets. The bank operates as a subsidiary of The Bancorp, Inc. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U. Export “Personal Account” is an account in the name of natural person(s), i. must. “Deposit Account” means any checking account, savings account, or money market account opened with the Bank. This is distinguished from a “Non-Personal Account” which is an account in the name of a corporation, partnership, trust, or other Entity. The Bancorp Bank, Member FDIC may transfer to Coastal Community Bank, Member FDIC after September 14, 2021 any funds received from returns of ACH Credits you originated from your account. Conditions and exceptions apply - see Checking Account Agreement. com. That's why all Litchfield Bancorp - A Division of Northwest Community Bank business accounts offer a wealth of convenient features and sophisticated, local service without all the "big bank" fees. Conditions and exceptions apply - see Checking Account Agreement . According to the Federal Deposit Insurance Corporation records and based on the institution's charter type, The Bancorp Bank is classified as a commercial bank, state charter and Fed nonmember, supervised by the FDIC. WILMINGTON, Del. Depositor Name as Shown on Bank Records _____ Checking Account Number/ Transit Routing Number (A voided check or spec sheet. FREE use of in-network ATM ($2. is based in Opelousas, Louisiana. You can also transfer money between your own accounts using this method. The common shareholders of Westchester will receive 229. Bancorp and affiliate of U. You can find the list of products in the table below. A. Routing numbers may differ depending on where your account was initially opened and the type of transaction made. 1 day ago · At its recent meeting, the Board of Directors of Lyons Bancorp, Inc. With The Bancorp Bank, you will spend less time managing your finances and more time doing what you want. The bank also issues cards for SoFi’s Money account, a cash management account that advertises no fees and a high rate on your savings. . Verbal to Bank LOI. show more. The dividend is payable on January 14, 2022, to all common stock shareholders of record at the close of business on December 31, 2021. I had it for about a year without any problems (mainly because I didn't use it). March 24, 2010 08:00 AM Eastern Daylight Time. Catalyst Bancorp Inc. Verbal to Bank LOI (provided no address change was processed within 30 days of request) Cancel Debit Card. Please see back of your Card for its issuing bank. Peoples Bank (w/ logo)® and Working Together. Bank offers several different checking accounts, including Safe Debit, Easy, Gold and Platinum. Offer is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Stop Payment on a Check. The NorthOne Mastercard® Small Business Debit Card is issued by The Bancorp Bank pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Oct 01, 2021 · How BancorpSouth’s checking accounts compare. 1. It is also the 230 th largest bank in the nation. 50 or less for out-of-network) Worrying about business checking accounts should never be on the menu. 545. At the . Payments can be automatically deducted from an external checking account. Experienced representatives are available to assist you Monday-Friday 8am-8pm ET. 0289. It was established in 2000 and as of September of 2019, it had grown to 619 employees at 1 location . The company launched SoFi Money last year to serve as an alternative banking product. With our custom checks process you are also able to put your own photo or design on checks. PayPal’s app or website allows Depositor Name as Shown on Bank Records _____ Checking Account Number/ Transit Routing Number (A voided check or spec sheet. Bank. BUSINESS OVERVIEW: ISSUANCE • Sponsorship of prepaid and other electronic access accounts across the payments space • Sponsorship of private label banking (e. , checking account with a debit card) Aug 31, 2021 · Deposits are also FDIC-insured up to $250,000 per account with The Bancorp Bank. 95 National Average: $3. 645 shares of Valley Banking Services provided by The Bancorp Bank or Stride Bank, N. , Sept. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. , the financial holding company and the parent of The Lyons National Bank, declared a $0. The Bancorp Bank is a subsidiary of The Bancorp, Inc. The accounts require a $25 minimum opening deposit. Please complete the ACH Loan Payment form. Bancorp Investments is registered with the Securities and Exchange Commission as both a *Securites-based borrowing has special risks and may not be suitable for everyone. Benefits of Cash Advantage Checking; Benefits of Cash Advantage Lending; Tools The Bancorp Bank does not endorse or sponsor and is not affiliated in anyway with SBA-PPP Loans. This account is for you if you maintain a high account balance and want to earn interest. operates as a bank holding company for St. 50 or less for out-of-network) Card Services. Except for Safe Debit, U. The bank is offering several banking products to customers. The Bancorp Bank is a FDIC Insured Bank (Non-member Bank) and its FDIC Certification ID is 35444. SOLUTIONS GROUP. For Banking Services call 800. The Bancorp Bank identification number is: 1050006509 and will come over as BANCORPSV. No annual fee Visa® Check Card for ATM withdrawals and purchases. The Bancorp Bank has generally good reviews from customers. There may be no fees, but the bank may charge them. It quickly became one of the premier online consumer banks thanks to its numerous account offerings such as online checking and savings accounts, along with investment and loan products which include their line of prepaid debit cards. Fake Bancorp Bank Statement. , Members FDIC. Sep 14, 2016 · Varo and The Bancorp Bank Announce Partnership to Support Mobile Checking and Savings Accounts. FREE Branch access, telephone banking, bill pay, check cashing, online banking, bank alerts, electronic monthly statements, and in branch deposits. Worrying about business checking accounts should never be on the menu. 21. and may be used everywhere Visa debit cards are accepted. Statement Copy. Bancorp runs/ holds alot of funds for prepaid expensive cards like netspend, so i was weary at first. A good checking account is a As BlueVine is not a bank, its banking services are provided by The Bancorp Bank, and all accounts are insured by the Federal Deposit Insurance Corp. 01, 2021 (GLOBE NEWSWIRE) - Valley National Bancorp (NASDAQ:VLY) (“Valley”) announced that its merger with The Westchester Bank Holding Corporation (“Westchester”) was completed effective December 1, 2021. , member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U. The bank’s headquarter is located in Wilmington. the bancorp bank checking account

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Gold and platinum offer clues about the moon’s mysterious tilt

A total solar eclipse occurs somewhere on Earth about once every year and a half, on average. But imagine if it happened every single month. For this to be the case, the moon would have to orbit Earth in the same plane in which Earth travels around the sun – that way, the new moon would always come directly between us and the sun.

Instead, the moon circles Earth in a slightly different plane that’s tilted by 5 degrees relative to the plane of the solar system. It used to be even worse – about 4.5 billion years ago, when the moon was newly formed and hadn’t spent much time under the influence of Earth’s tides, it was askew by 10 degrees.

Experts believe the moon was born after a Mars-sized object slammed into the young Earth and knocked loose a bunch of debris that coalesced into the satellite we know today. If simple physics had prevailed, the resulting moon should have been tilted by no more than 1 degree.

What happened? It’s an enduring mystery. Scientists even have a name for it that sounds like the title of a Robert Ludlum novel: The lunar inclination problem.

Two researchers from the Observatoire de la Cote d’Azur in France have a new theory to explain this situation. Writing in the journal Nature, they posit that the young moon was pulled out of its original orbital plane by the gravity of large objects whizzing by.

In the past, scientists have considered the effects of the objects that collided with Earth. But as Kaveh Pahlevan and Alessandro Morbidelli note, before each collision, there were probably 1,000 to 10,000 near-misses.

Pahlevan and Morbidelli used computer simulations to estimate the effect of all these flybys during the first 100 million years of the moon’s history. They found that no single object would have been big enough to yank the moon out of its expected orbital plane all by itself. But the gravity of many objects combined could have done the job.

In fact, the pair calculated that their scenario works beautifully if the objects that struck Earth and added the last 0.75% to 1.5% of the planet’s mass numbered less than five.

The story not only explains the moon’s odd tilt, it also accounts for the abundance of certain metals in Earth’s crust – especially gold and platinum.

As Robin Canup of the Southwest Research Institute in Boulder, Colo., explained in an essay that accompanies the study, both of these precious metals have “strong chemical affinities for iron.” If these elements had been present in the Earth’s early, molten days, the iron that sank to the planet’s core would have taken the gold and platinum along with it. But enough of it exists at the surface that it must have arrived here after the core had formed.

Indeed, these metals were probably delivered by “large objects left over from the formation of the inner planets,” wrote Canup, who studies the origins of the solar system. If there were many such objects, some of them should have hit the moon and deposited gold and platinum there, too. The relative dearth of these precious metals on the moon strongly suggests that Earth was hit by a few large objects rather than many small ones, she wrote.

Overall, the evidence from these metals offers compelling evidence in support of Pahlevan and Morbidelli’s theory that planetary dregs passing by the young moon skewed its orbital plane, she wrote.

“Had such a population of objects not existed, the Moon might be orbiting in Earth’s orbital plane, with total solar eclipses occurring as a spectacular monthly event,” Canup wrote. “But our jewelry would be much less impressive – made from tin and copper, rather than from platinum and gold.”

Follow me on Twitter @LATkarenkaplan and “like” Los Angeles Times Science & Health on Facebook.

Источник: https://www.latimes.com/science/sciencenow/la-sci-sn-how-moon-got-tilt-20151121-story.html

Privacy Statement

Effective as of December 17, 2019

Last updated June 1, 2021

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Information You Provide

We may collect the following Personally Identifiable Information that you voluntarily provide to us:

  • Applications. If you apply for one of our financial products or services, such as applying for a credit card, we may collect, among other information, your first and last name, address, telephone number, social security number, and email address. In addition, we may collect other information such as your zip code, birth date, gender, salary range, education, marital status, occupation, industry of employment, personal and online interests.
  • Enrollment. If you enroll for one of our online banking services, we may collect, among other types of information, your first and last name, address, telephone numbers, email address, social security number, account number, and requested login ID.
  • Account. If you create an account for any of our Services, we will require you to establish a username and password.
  • Credit Card Information and Bank Account Information. We may, in certain instances, collect credit card and bank account numbers and related information when you request a product or service on our Sites. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL (Secure Socket Layer) encryption software. We will use the credit card or bank account information for the purpose of processing and completing the transaction you requested. Such information will be disclosed to third parties as necessary to complete the requested transaction.
  • Mobile App. If you use our mobile application PREMIER Credit Card we will collect your login and password information. We also will collect a device identifier.
  • Careers. If you apply for a job, you will provide us with your name, email address, and telephone number. Additionally, you will be asked to provide other information such as a resume/CV (Curriculum Vitae).
  • Contact Us. When you send us any feedback, questions, comments, suggestions, ideas, or interact with us in any way through email or social media channels, we will receive your email address and any other Personally Identifiable Information that you may voluntarily provide.

Information as You Navigate Our Sites

We automatically collect certain Personally Identifiable Information through your use of our Sites and Services, such as the following:

  • Usage Information. We collect information automatically through your use of our Sites and Services, such as which of the pages on the Sites you access, the frequency of access, and what you click on while on the Sites.
  • Device Information. We collect information about the device you are using, such as hardware model, operating system, application version number, IP address, browser, domain names, times that you access the internet, and other websites you have visited.
  • Mobile Device Information. In addition to the Device Information listed above, when you access our Sites via a browser on your mobile device, we collect aggregated information about whether you are accessing the Sites via a mobile device or tablet, device type, device id, and carrier.
  • Location Information. We collect location information from visitors to the Sites and Services. If you use any location-based feature of any online or mobile service, you agree that your geographic location may be accessed and disclosed to us.

Information Provided About a Third Party

We may receive certain Personally Identifiable Information from you about a third party. For example, as part of applying for an account, you may provide the name, date of birth, and address of a third party. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Statement.

How We Use Your Personally Identifiable Information

We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services and Sites, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:

  • Contacting you Via Mobile Device. You expressly consent to receiving communication from us, our affiliates and agents at any telephone number associated with a mobile telephone or device. Such communications include but are not limited to pre-recorded or artificial voice messages, calls, text messages, email messages, and calls made or using automatic telephone dialing systems. Calls or messages may incur fees from your mobile service provider. You further agree to receive commercial email messages at such email address from us, our vendors or advertisers (unless and until you have elected not to receive such commercial messages by following the instructions provided under "Choices About Your Personally Identifiable Information" below). You understand that your wireless carrier’s standard rates apply to communications you receive via your mobile device. You represent that you are the owner, or authorized user of the mobile device on which communications will be received, and you are authorized to approve the applicable charges.
  • Providing Services and Products. We use the information we gather on our Sites to provide you with the Services and or products you have requested. This may include passing your information on to a service provider to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of service providers. If you have any questions or wish to remove your information from the third-party databases, you will need to contact that party directly.
  • Customer Support Services. We will use the information to confirm your registration and complete transactions requested by you or verify information you have provided to us to assist you with any support services you request.
  • Identity Verification. We may use the information we gather on the website for identity verification purposes, for example, to text users a code that they must enter on the Sites or Services to verify their identity when they sign on to their account.
  • Improving Our Internet Content and Services. We use the information we gather to respond to any inquiries you make, operate and improve the functionality of our Sites and Services, and deliver the products and services advertised on our Sites. Our Services include the display of personalized products, content, and advertising, relating to your experience and interests.
  • Promotional Material. We will use the information to contact you when we have special offers or promotions.
  • Advertising. We may use the information to contact you regarding our products and services that we feel may be of interest to you.
  • Legitimate Business Purpose. We may use the information we gather on the website for any other legitimate business purpose, as permitted by law. We may also use the information for any other purpose for which we receive your specific consent.

How We Share Your Personally Identifiable Information

We do not disclose your social security number, credit card or banking information to third parties not assisting us with supplying your request for products or services without your authorization. However, we may share the Personally Identifiable Information that we collect about you in the following ways:

  • Product and Service Delivery. We share your information with service providers who help us in the delivery of the products and services you have requested and to prepare, deploy and analyze advertising content.
  • Platform Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include service providers who host our website, build and support our mobile application, analyze our data, provide marketing assistance, process credit card payments, and provide customer service.
  • Anonymous Information. We share aggregated anonymous information about you, combined with other persons using our Sites with service providers, so that they can understand the kinds of visitors that come to our Sites, and how those visitors use those platforms. For more information, see the "Cookies and Other Tracking Technologies" section below.
  • Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
  • Acquisition or Merger. We may disclose and transfer your information to another entity who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
  • Corporate Family. We may share information within our corporate family, such as with subsidiaries, joint ventures, or affiliates, to the extent permitted by law.
  • With Consent. We may disclose your information to any other third-party with your consent.

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Privacy Noticeopens in a new window.

Cookie and Other Tracking Technologies

Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons). To learn more about how we use cookies and your choices regarding our use of cookies, please see our Cookie Policy opens in a new window.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Sites and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policiesopens in a new window. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click hereopens in a new window.

, to protect our Sites from spam and abuse. Privacy Policyopens in a new window and Terms of Useopens in a new window. hereopens in a new window.

"Do Not Track" Signals

Some internet browsers incorporate a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the "Do Not Track" signal, our Sites do not currently interpret, respond to or alter its practices when it receives "Do Not Track" signals.

Choices About Your Personally Identifiable Information

Email and Unsubscribe Process

We may share your Personally Identifiable Information with service providers for promotional offers by email beginning 30 days after you have registered. These offers may be our services and products or those of third parties. If you wish to end your email subscription from a particular list, please use the unsubscribe link at the bottom of the commercial email, or to unsubscribe from all our commercial email lists, please send us an email at [email protected]

Third Party Email Messages

You may receive certain commercial email messages sent by third parties for products and services which may be of interest to you. In such case, a third party’s name will appear in the “from,” and the email will have a method at the bottom of the email to unsubscribe from that party. We are not responsible for third party emails sent to you.

Wireless Addresses

If the email address you provide to us is a wireless email address, you agree to receive commercial messages at such address from us, our vendors or advertisers (unless and until you have elected not to receive such commercial messages by following the instructions in the unsubscribe portion of this Statement). You understand that your wireless carrier’s standard rates apply to these messages. You represent that you are the owner, or authorized user of the wireless device on which messages will be received, and you are authorized to approve the applicable charges.

Security

We endeavor to safeguard and protect your information. When you submit information on our Sites, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of Personally Identifiable Information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our Sites or Services is at your own risk. However, access to your information is strictly limited and not accessible to the public.

Third Party Links

The Sites may contain links that will let you leave the Sites and access another website. Linked websites are not under our control. Except as stated below, this Privacy Statement applies solely to Personally Identifiable Information that is acquired on the Sites. We accept no responsibility or liability for these other websites.

Children's Privacy

The Sites and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

Notice To California Residents

The California Consumer Privacy Act (CCPA) requires that we provide California residents with a privacy statement that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Statement is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this does not apply to you and you should not rely on it.

The CCPA contains important limitations that are relevant to PREMIER Bankcard, LLC.

The CCPA defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified or aggregated information. For purposes of this "Notice to California Residents" section we will refer to this information as "Personal Information."

The CCPA contains important limitations that are relevant to First PREMIER Bank and PREMIER Bankcard, LLC.

The CCPA’s privacy rights described below do not apply to Personal Information that is collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act. Because we are subject to those laws and regulations, much of the Personal Information that we collect is exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Noticeopens in a new window.

The CCPA’s privacy-related rights also do not apply to certain types of Personal Information that is subject to the Federal Credit Reporting Act (FCRA). Some of our services are subject to the FCRA and, therefore, exempt from the CCPA on that basis.

Right to Know About Personal Information Collected, Disclosed, or Sold

If you are a California resident, you have the right to request that we disclose what Personal Information we have collected about you in the 12-month period preceding your request. This right includes the right to request any or all of the following:

  1. Specific pieces of Personal Information that we have collected about you;
  2. Categories of Personal Information that we have collected about you;
  3. Categories of sources from which the Personal Information was collected;
  4. Categories of Personal Information that we sold (if applicable) or disclosed for a business purpose about you;
  5. Categories of third parties to whom the Personal Information was sold (if applicable) or disclosed for a business purpose; and
  6. The business or commercial purpose for collecting or, if applicable, selling Personal Information.

The CCPA defines “sell” to mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a California resident’s Personal Information to another business or a third party for monetary or other valuable consideration.

Collection of Personal Information

We currently collect and, in the 12 months prior to the Last Updated date of this Privacy Statement, have collected the following categories of Personal Information about California residents directly from them and from service providers:

  • Identifiers (name, postal address, online identifiers, internet protocol address, social security number, driver’s license number, account name, and email address)
  • Unique personal identifiers (cookies, beacons, pixel tags, or other similar technology; customer number)
  • Telephone number
  • Signature
  • Bank account number
  • Commercial information (records of personal property, products or services purchased, obtained or considered)
  • Other financial information
  • Biometric/Fingerprint (collected by your phone when using our app, but not by us)
  • Employment information
  • Characteristics of protected classifications under California or federal law (gender, sex, age (40 and older), and military/veteran status)

In addition to the purposes stated above in the section "COLLECTING AND USING INFORMATION" we collected the above Personal Information for the following business or commercial purposes:

  • Performing services on our behalf, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of our business
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
  • Auditing related to a current interaction with the consumer and concurrent transaction, including, but not limited to, counting ad impressions to unique visitors
  • Advancing a person’s commercial or economic interests, such as by inducing another person to buy financial products or services, or enabling or effecting, directly or indirectly, a commercial transaction

Disclosure or Sale of Personal Information

The following is a list of categories of Personal Information that we have disclosed or sold to service providers or third parties for a business or commercial purpose in the 12 months preceding the Last Updated date of this Privacy Statement and, for each category, the category of service providers or third parties to whom the Personal Information was sold or disclosed:

  • Name (business partners)
  • Postal Address (business partners)
  • Telephone number (business partners)
  • Gender (business partners)
  • IP address (business partners and data analytics providers)
  • Cookies, beacons, pixel tags, or other similar technology (data analytics providers and advertising networks (please see our Cookie Policy opens in a new window for further information as to our use of cookies))

We do not knowingly sell the Personal Information of minors under 16 years of age.

Right to Request Deletion of Personal Information

If you are a California resident, you have the right to request deletion of the Personal Information about you that we have collected. However, per the CCPA, we are not required to comply with a request to delete if it is necessary for us to maintain the Personal Information in order to, for example, complete a transaction, detect security incidents, comply with a legal obligation, or otherwise use the Personal Information, internally, in a lawful manner that is compatible with the context in which you provided the information.

How to Submit a Request to Know or Delete

If you have an account, you must log into your account and submit your request to know or delete through your account. If you do not have an account, you may submit a request to know or delete through our interactive webform available at https://mypremiercreditcard.com/Home/CCPAopens in a new window or by calling us at 1-877-635-2568.

If you submit a request to delete online, you will be asked to confirm separately that you want your Personal Information deleted.

As discussed, many of the categories of Personal Information we collect are exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Noticeopens in a new window.

Our Process for Verifying a Request to Know or Delete

If we determine that your request is subject to an exemption or exception, we will notify you of our determination. If we determine that your request is not subject to an exemption or exception, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request. Our verification process may differ depending on whether you maintain a password-protected account with us.

If you maintain a password-protected account, we may verify your identity through existing authentication practices available through your account. Prior to disclosing or deleting the Personal Information, we will ask you to re-authenticate yourself with respect to that account.

If you do not maintain a password-protected account, or if you are an account-holder but we suspect fraudulent or malicious activity with your account, we will verify your identity either to a "reasonable degree of certainty" or a "reasonably high degree of certainty" depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure or deletion as applicable.

For requests to access categories of Personal Information and for requests to delete Personal Information that is not sensitive and does not pose a risk of harm by unauthorized deletion, we will verify your identity to a “reasonable degree of certainty” by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.

For requests to access specific pieces of Personal Information or for requests to delete Personal Information that is sensitive and poses a risk of harm by unauthorized deletion, we will verify your identity to a "reasonably high degree of certainty" by verifying at least three pieces of Personal Information previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, you will be required to submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.

Right to Opt-Out of Sale of Personal Information

If you are a California resident, you have the right to direct businesses to stop selling your Personal Information. We do not sell Personal Information as it is defined in the CCPA.

Right to Non-Discrimination for the Exercise of a California Resident's Privacy Rights

We will not discriminate against California residents if they exercise any of the rights provided in the CCPA as described in this section "Notice to California Residents." As such, we will not deny goods or services to that California resident; charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; provide a different level or quality of goods or services to the California resident; or suggest that the California resident will receive a different price or rate for goods or services or a different level or quality of goods or services. However, we are permitted to charge a California resident a different price or rate, or provide a different level or quality of goods or services, if that difference is reasonably related to the value provided to us by the individual’s data.

Authorized Agents

If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. After submitting the request, and if the request is not subject to an exemption or exception, we will require additional information to verify your authority to act on behalf of the California resident.

Shine the Light Law

We do not disclose Personal Information obtained through our Sites or Services to any non-affiliated companies for their direct marketing purposes.

Accessibility

We are committed to ensuring this Privacy Statement is accessible to individuals with disabilities. If you wish to access this Privacy Statement in an alternative format, please contact us as described below. Please also see our Accessibility Statementopens in a new window.

How to Contact Us

To contact us for questions or concerns about our privacy policies or practices please contact us via any of the following methods:

In writing:
PREMIER Bankcard, LLC
3820 N Louise Avenue
Sioux Falls, SD 57107

By phone: 1-800-987-5521

By email: [email protected]

Источник: https://www.platinumoffer.com/_Designs/Shared/Statements/PrivacyStatement.html

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For all Navy Federal Credit Cards: As of 12/05/2021, rates range from 5.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

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