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©2014 First National Bank Fredericksburg. All rights reserved. Equal Housing Lender - Member FDIC
If we suspect fraud on your debit card, you may receive an SMS/text from 33748. Reply "yes" if you authorized transaction; no if you did not. To opt out of receiving these texts, reply "stop". Or you may receive an automated phone call from (877)230-3179. Please be aware that a legitimate call will mention The First National Bank of Fredericksburg. Do not provide debit card numbers or any other confidential information unless you have initiated the phone call. When in doubt please call (717)865-2123.
Online Access Agreement and Electronic Fund Transfer Act Disclosure
This agreement is a contract that establishes the rules that cover electronic access to your accounts at First National Bank of Fredericksburg through Online Banking.
By using Online Banking, you accept all the terms and conditions of this Agreement. Please read it carefully.
The terms and conditions of the deposit agreements and disclosures for each of your First National Bank of Fredericksburg's accounts as well as your other agreements such as loans continue to apply notwithstanding anything to the contrary in this Agreement.
This agreement is also subject to applicable federal laws and the laws of the State of Pennsylvania. If any provision of this Agreement is found unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (expressed or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and First National Bank of Fredericksburg's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement by their nature, would continue beyond the termination, cancellation or expiration of this Agreement.
Definitions: As used in this Agreement, the words "we," "our," "us," and "Bank" mean First National Bank of Fredericksburg. "You" and "Your" refer to the account holder authorized by Bank to use Online Banking under this Agreement and anyone else authorized by that account holder to exercise control over the account holder's funds through Online Banking. "Account" or "accounts" means your accounts at Bank. "Electronic funds transfers" means ATM withdrawals, pre-authorized transactions, point of sale transactions, transfers to and from your Bank accounts using Online Banking including bill payments. "Online Banking services" means the services provided pursuant to this Agreement, including the bill payment service. "Business Days" means Monday thru Friday. Holidays are not included.
Access: To use Online Banking, you must have at least one account with Bank, and access to Internet service. Access to your accounts through Online Banking will be based upon the identification of users and authority levels maintained at the Bank. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the account holder.
Online Banking Services: You can use Online Banking to check the balance of your Bank accounts, transfer funds between your accounts, make stop payment requests, pay bills from your account in the amounts and on the dates you request.
Hours of Access: You can use Online Banking seven days a week, twenty-four hours a day, although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance.
Your Password: For security purposes, you are required to change your password upon your initial first time login to Online Banking. The password, a minimum of 6 digits, maximum of 17 digits, is determined by the account holder and is not communicated to the Bank. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the Bank to reset the password before reentry into the system. You may also click on �Forgot Your Password?� to have your password re-set, in which case you will receive an e-mail with your new temporary password.
We recommend that you create a unique access ID that utilizes both upper and lowercase alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.
Guidelines for Safe Online Banking Transactions: Online security begins with the authentication process, which generally involves one or more basic factors: Something the user knows (i.e., password, PIN); something the user has (i.e., ATM card, smart card, multi factor PassMark and PassPhrase on registered computers); something the user is (i.e., a fingerprint). FNB uses multi-factor authentication for online banking purposes.
FNB would not contact customers on an unsolicited basis and request your online banking credentials. Should you ever be contacted (via telephone, e-mail, etc.) by someone claiming to be an employee of FNB, DO NOT provide any such information. Instead, please contact FNB immediately. If you notice suspicious account activity or information security related events, please contact FNB immediately. Contact information is included at the end of this Disclosure.
Following is a list of Controls that may be implemented to help detect and prevent attacks:
Anti-malware software may provide a defense against "keyloggers" and "man-in-the-middle" or "man-in-the browser" attacks. Anti-malware software is used to prevent, detect, block, and remove adware, spyware, and other forms of malware such as "keyloggers". It is important to note that anti-malware is generally signature based, and some advanced versions of malware continuously alter their signature.
Security: You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to promptly examine your paper statement for your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. Your password and access ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security. Once the server session is established, the user and the server are in a secured environment. The server has been certified as a 128-bit encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall to block and direct traffic coming to the server. Notwithstanding our efforts to insure that Online Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be read by others. FNB is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetermined virus may corrupt and destroy your programs, files and your hardware.
Transfers: Transfers initiated through Online Banking before 5:00 PM (Eastern Standard Time) on a business day are posted to your account the same day. Transfers completed after 5:00 PM (Eastern Standard Time) on a business day will be posted on the next business day. Transfers completed anytime during Saturday, Sunday or banking holiday will be posted on the next business day. Online Banking identifies transfers based upon the login ID of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers from your accounts in order to avoid overdrafts. Because regulations require First National Bank of Fredericksburg to limit preauthorized transfers (including Online Banking transfers), the following limitations apply: For a Savings Account you are not permitted to make more than six (6) transfers per statement cycle by preauthorized, automatic transfer, by telephone or Online Banking. If you are a Money Market Account holder you may not make more than six (6) transfers per statement cycle by preauthorized, automatic transfer, telephone transfer, Online Banking, check, draft, debit card or similar order to a third party. Please note: If there are not sufficient funds in the account, we cannot complete this transfer. However, future recurring transfers will not be impacted.
Overdrafts: If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:
a. Electronic funds transfers involving current disbursements, like ATM withdrawals, will have priority;
b. Electronic fund transfers initiated through Online Banking which would result in an overdraft of your account may, at our discretion, be canceled;
c. In the event electronic fund transfers initiated through Online Banking which would result in an overdraft of your account are not canceled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.
If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
Online Banking Bill Payment Service:. To use Bill Payment Service, you must agree to separate Terms and Conditions for Bill Payment Service. You must designate the Bank checking account from which the payments are to be made; the complete name of the payee, the account number, and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day. By using Online Banking bill payment service option, you agree that, based upon instructions received under your password, we can charge your designated account by transfer, "no signature required draft," or by debiting and remitting funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly.
Stop Payment Requests: To be effective, a stop-payment request must precisely identify the name of the payee, amount, check number, and date of the payment. You will incur stop payment charges as disclosed in the current fee schedule for applicable amount. A stop payment entered online before 5:00 p.m. will be placed on the item the following business day. If you need a stop payment placed on the item effective immediately, please call or visit one of our branch offices.
Stopping the payment of a check is different from the cancellation of a bill payment. Please see separate Terms and Conditions for Bill Payment Service for bill payment stop payment request information. The Service�s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service at (800) 877-8021. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The fee for each stop payment request will be the charge on the current fee schedule.
Periodic Statements: You will not receive a separate Online Banking statement. Transfers to and from your accounts using Online Banking will appear on the respective paper statements or e-statement for your bank accounts.
Change of Terms: We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Bank web site or forward it to you by email or by postal mail. If advanced notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.
Your Protections Under Regulation E (Electronic Funds Transfer Act): The protections afforded by Regulation E apply to consumer accounts. They do not apply to business accounts.
In Case of Errors or Questions about Your Electronic Transfers: Contact us as soon as you can, if you think your paper statement or e-statement is wrong, or if you need more information about a transfer listed on your paper statement or e-statement. We must hear from you no later than 60 days after we sent the FIRST paper statement or e-statement upon which the problem or error appeared.
When you contact us:
1. Tell us your name and account number.
2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.
3. Tell us the dollar amount of the suspected error.
4. If the suspected error relates to a bill payment, see Terms & Conditions for Bill Payment Service. You will need to tell us the account number used to pay the bill, payee name, the date the payment was made and payment amount.
If you contact us by telephone or by email, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days. We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.
ERROR RESOLUTION PROCEDURES - IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS Telephone us at (717) 865-2123 or write to us at: First National Bank of Fredericksburg 3016 S. Pine Grove Street, Fredericksburg, PA 17026
Our Liability for Failure to Make a Transfer: If we do not complete a transfer to or from your account, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will not be liable, for instance:
1. If through no fault of ours, you do not have enough money in your account to make a transfer
2. If a legal order directs us to prohibit withdrawals from the account
3. If your account is closed, or if it is to be frozen
4. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts
5. If you, or anyone authorized by you, commits any fraud or violates any law or regulation
6. If any electronic terminal, telecommunication device, or any part of Online Banking electronic fund transfer system is not working properly and you knew about the problem when you started the transfer
7. If you have not properly followed the on-screen instructions for using Online Banking
8. If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we may have taken
9. If you have not provided us with complete and correct payment information for the Bill Payment Service, including without limitation, the name, address, your payee-assigned account number, payment date and payment amount for the payee on a bill payment
Unauthorized Transfers: Contact us AT ONCE if you believe that your Online Banking PIN has been lost or stolen or you think that someone has transferred or may transfer money from your account without your permission. You can report a problem by calling us at 1-800-809-7949 or by writing us at 3016 S. Pine Grove Street, Fredericksburg, Pennsylvania 17026, Attention: Online Banking Department. However, telephoning is the best way of keeping your possible losses to a minimum. If you telephone us to report a problem, we also require you to put your claim in writing to us within ten (10) business days. The loss, theft, or unauthorized use of your LOGIN and PIN could cause you to lose all the money in your account (plus the money in any account linked for the purpose of overdraft protection). However, if you tell us within two (2) business days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50 if someone used your Online Banking LOGIN and PIN to make a transaction without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft, or unauthorized use of your Online Banking LOGIN and PIN, and we can prove we could have stopped someone from using your Online Banking LOGIN and PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows a transfer(s) which you did not make, tell us at once. If you do not contact us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the 60th day, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from notifying us, we will extend the time periods to a reasonable time.
BILL PAYMENT ERROR RESOLUTION PROCEDURES - IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL PAYMENT ELECTRONIC TRANSFERS Telephone us at (800) 877-8021 or write to us at: First National Bank of Fredericksburg 3016 S. Pine Grove Street, Fredericksburg, PA 17026. See separate Terms and Conditions for Bill Payment Service.
Our Liability for Failure to Make a Bill Payment: The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.
Unauthorized Bill Payments: Contact us AT ONCE if you believe that your Online Banking PIN has been lost or stolen or you think that someone has transferred or may transfer money from your account without your permission. You can report a problem with bill payment by calling us at 1-800-877-8021 or by writing us at 3016 S. Pine Grove Street, Fredericksburg, Pennsylvania 17026, Attention: Online Banking Department. However, telephoning is the best way of keeping your possible losses to a minimum. If you telephone us to report a problem, we also require you to put your claim in writing to us within ten (10) business days. The loss, theft, or unauthorized use of your LOGIN and PIN could cause you to lose all the money in your account (plus the money in any account linked for the purpose of overdraft protection). However, if you tell us within two (2) business days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50 if someone used your Online Banking LOGIN and PIN to make a transaction without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft, or unauthorized use of your Online Banking LOGIN and PIN, and we can prove we could have stopped someone from using your Online Banking LOGIN and PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows a transfer(s) which you did not make, tell us at once. If you do not contact us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the 60th day, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from notifying us, we may extend the time period.
Disclaimer of Warranty and Limitation of Liability: We make no warranty of any kind, expressed or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Online Banking services provided to you under this Agreement. We do not and cannot warrant that Online Banking will operate without errors, or that any or all Online Banking Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Online Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of First National Bank of Fredericksburg exceed the amount paid by you for the services provided to you through Online Banking.
You are responsible for obtaining, installing, maintaining and operation of all computer hardware and software necessary for Online Banking and Bill Pay. The Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.
Security: You have read our security statement and acknowledge that the electronic security measures used in your Online Banking transactions are reasonable and acceptable.
Our Right to Terminate: You agree that we can terminate or limit your access to Online Banking for any of the following reasons:
1. Without prior notice, if you have insufficient funds in any one of your Bank accounts. Online Banking service may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
2. Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your checking account.
3. Upon reasonable notice, for any other reason at our sole discretion.
Electronic messages from you to us, or from us to you, will be treated as written documents for any purpose a written document is needed. However, we can require written confirmation of messages or instructions if we choose, and may delay any executing transactions until we receive confirmation acceptable to us. We might do this, for example, if we think it will help protect you or us from fraud or a loss, but we can do so in other circumstances. Please Note: This is not a secure e-mail form. Please do not include account information or items of a confidential nature.
Mobile Banking Addendum To Agreement for Online Banking Services
This is an addendum to your Online Banking Services Agreement (�Agreement�) and sets forth the additional terms and conditions for use of the Mobile Banking Services offered through FNB FREDERICKSBURG to you. Except where modified by this Addendum, the Online Banking Services Agreement remains in effect. Terms defined in the Agreement that are not defined in the Addendum have the same meaning here. This Addendum and the Agreement constitute the entire agreement between us and you relating to Mobile Banking, supersede any other agreements relating to Mobile Banking, and may only be amended as provided in the Agreement. If there is a conflict between Agreement and this Addendum, the terms in this Addendum will govern your use of Mobile Banking.
A. Accepting this Addendum.
By clicking �I Agree� when you register for Mobile Banking Services or by using the Mobile Banking Services, you agree to the terms and conditions of this Addendum.
B. Description of Services.
Mobile Banking is a personal financial information management service that allows you to:
(i) access FNB FREDERICKSBURG account information such as balances and recent transaction history;
(ii) transfer funds between your accounts at FNB FREDERICKSBURG;
(iii) set up optional account alerts to be delivered either to your mobile phone using sms text messaging (standard text rates apply), and/or via email;
(iv) make payments to merchants and individuals who have previously consented to accept payments through our online bill pay service;
(v) and make other banking transactions using compatible and supported mobile phones and/or other compatible and supported wireless devices.
Not all Mobile Banking Services are available on all types of mobile devices. See our Web site at www.fnbankonline.com for the most up-to-date list of Services.
We reserve the right to modify the scope of the Mobile Banking Services at any time. We reserve the right to refuse to make any transaction you request through Mobile Banking. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks, such as while roaming.
C. Use of Services.
Mobile Banking will not work unless you use it properly. You accept responsibility for making sure that you understand how to use Mobile Banking before using, and that you always use Mobile Banking in accordance with any online instructions that may be delivered to you. You also accept responsibility for making sure that you know how to properly use your Wireless Device and the Mobile Banking software (�Software�).
From time to time we may change, upgrade, or add new features to Mobile Banking. In the event of such changes, you are responsible for making sure that you understand how to use the updated or changed version of the Mobile Banking software. We will not be liable to you for any losses caused by your failure to properly use Mobile Banking or your Wireless Device.
D. Relationship to Other Agreements.
You agree that when you use Mobile Banking, you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also agree that you will continue to be subject to the Terms and Conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, Alltel, etc.), and that this Addendum does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloading the Software, receiving or sending Mobile Banking text messages, or other use of your Wireless Device when using the Software or other products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking, you will contact us directly.
A. License.
Subject to any compliance with this Addendum, you are hereby granted a personal, limited, non-transferable, non-exclusive, non-sub licensable and non-assignable license (�License�) to download, install and use the Software on your Wireless Device within the United States and its territories. In the event that you obtain a new or different Wireless Device, you may be required to download and install the Software to that new or different Wireless Device.
B. License Restrictions/Revocation.
This License shall be revoked immediately upon any of the following conditions,
(i) your termination of Mobile Banking;
(ii) your deletion of the Software from your Wireless Device;
(iii) your noncompliance with this Addendum;
or (iv) written notice to you at any time, with or without cause.
In the event this License is revoked for any of the foregoing reasons, you agree to promptly delete the Software from your Wireless Device and/or discontinue use. We and our service providers (which includes, without limitation, any provider of Software such as Fiserv) reserve all rights not granted to you in this Addendum.
C. Software.
The Software shall be used solely in connection with Mobile Banking and may not be used by you for any other reason. You may not grant any sublicenses to the Software. You agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Software, (ii) copy or reproduce all or any part of the technology or Software, or (iii) interfere, or attempt to interfere with the technology or Software. The Software does not include various third party operating systems and applications that will be required to use the Software. You will be solely responsible for such third party software. You acknowledge that the Software contains trade secrets and other proprietary and confidential information, whether or not the Software contains any copyright or other proprietary notice. You agree to take commercially reasonable precautions to protect the confidentiality of the Software. You (a) will not print, copy, or duplicate any portion of the Software, (b) will not alter any copyright notices on the Software, (c) will not make the Software available in any form to anyone except your agents for purposes specifically related to your authorized use, (d) will take appropriate action with any persons permitted access to the Software to inform them of the confidential nature thereof and to obtain their compliance with the terms of this Paragraph, (e) only will use the Software for your personal use and not for the benefit of any other person or entity, and (f) will comply with all of our procedures and requirements for use of the Software. The provisions of this Paragraph will survive termination of this Agreement.
When you use Mobile Banking to access accounts you designate during the registration process, you agree to the following:
A. Account Ownership/Accurate Information.
You represent that you are the legal owner of the accounts and other financial information that may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information. You also agree not to misrepresent your identify or your account information. You agree to keep your account information up to date and accurate. You agree that we and our service providers may send you, by sms text message, e-mail, and other methods, communications relating to Mobile Banking (with an opportunity to opt-out), including without limitation welcome messages, information and requests for information relating to use of Mobile Banking and other Online Banking services. You agree to use Mobile Banking carefully, to keep your password confident and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly by calling us at (717)202-3961 and to cancel immediately your participation in Mobile Banking if you observe any material errors in the mobile Banking Services.
B. Location-Based Information.
If you use any location-based feature for Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through Mobile Banking. If you wish to revoke access to such information you may cease using location-based features of Mobile Banking.
C. Export Control.
You acknowledge that the Software is subject to the United States (U.S.) government export control laws and regulations, which may restrict or prohibit the use, export, re-export, or transfer of the Software. You agree that you will not directly or indirectly use, export, re-export, or transfer the Software except in compliance with applicable U.S. export laws and regulations. Without limitation, you agree that you will not use Mobile Banking in any embargoed or sanctioned country.
D. Proprietary Rights.
You are permitted to use content delivered to you through Mobile Banking only on Mobile Banking. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any Mobile Banking technology, including, but not limited to, any Software or other mobile phone applications associated with Mobile Banking.
E. User Conduct.
You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patents, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.
F. No Commercial Use or Re-Sale.
You agree that the Mobile Banking Services are for personal use only. You agree not to resell or make commercial use of Mobile Banking.
G. Indemnification.
You agree to indemnify, defend, and hold us and our affiliates and service providers harmless from and against any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys� fees) caused by or arising from your use of Mobile Banking, your violation of this Addendum, your violation of applicable federal, state or local law, regulation or ordinance, or your infringement (or infringement by any other user of your account) of any intellectual property or other right of anyone.
You agree to pay for Mobile Banking in accordance with our current fee schedule and as amended from time to time. We will advise you of any fee changes prior to implementing them. You authorize us to automatically charge your account for all such fees incurred in connection with Mobile Banking. In the future, we may add to or enhance the features of Mobile Banking. By using such added or enhanced features, you agree to pay for them in accordance with our Schedule of Fees.
A. Mobile Banking Services Limitations.
1. Neither we, nor any of our service providers, including Fiserv, can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions.
2. Neither we, nor any of our service providers, including Fiserv, assume responsibility for any disclosure of account information to third parties, the timeliness, deletion, misdelivery or failure to store any user data, communications, or personalization settings in connection with your use of Mobile Banking.
3. Neither we, nor any of our service providers, including Fiserv, assume responsibility for the operation, security, functionality or availability of any wireless Device or mobile network that you utilize to access Mobile Banking.
4. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless Device and to use good judgment and discretion when obtaining or transmitting information.
5. Information about activity is synchronized between the Mobile Banking software and our Website. Transfer and payment information available via the Mobile Banking software may differ from the information that is available directly through our website. Information available directly through our website may not be available via the Mobile Banking software, may be described using different terminology, or may be more current that the information available via the Mobile Banking software, including but not limited to account balance information. The method of entering instructions via the Mobile Banking software also may differ from the method of entering instructions through our website. We are not responsible for such differences, whether or not attributable to your use of the Mobile Banking software. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon.
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text: Photos: Pirates storm Alki Beach to kick off Seafair Share this story email Share this story «Previous 5 of 16 Photos Next » « » 2013 Seafair Pirate's Landing The 64th Seafair kicked off in West Seattle's Alki Beach with the Seafair Pirate's Landing. The pirates stormed the beach and thousands of spectators watched as the pirates came ashore. July 6th 2013. (Joshua Lewis / KOMO News)

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text:
He obtained board certification from The American Board of Internal Medicine for Internal Medicine.
Cardiovascular Disease Physicians in Morgan Hill, CA
Dr. Rajesh Prasad specializes in cardiovascular disease, internal medicine in Morgan Hill, California.
Dr. Rajesh Prasad has been compared 81 times. Details of Dr. Prasad's 35 years experience as an MD, his hospital affiliation and education at Sri Ramachandra University are available on your free doctor report.
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Be the first to rate and review Dr. Rajesh Prasad by clicking the following button.
Dr. Rajesh Prasad has been identified as specializing in Cardiovascular Disease and Internal Medicine.
He obtained board certification from The American Board of Internal Medicine for Internal Medicine.
A hospital affiliation covers any doctor who has an affiliation, association or admitting privilege with a hospital. A doctor's particular affiliation to a specific hospital can translate to the overall quality of that provider.
Dr. Prasad is affiliated with 1 hospital:
Dr. Rajesh Prasad has been confirmed to have a license in California
Dr. Prasad attended medical school at Sri Ramachandra University Sri Ramachandra Medical College and graduated in 1980 having 35 years experience.
While there is no proven correlation between the quality of one's educational institution and the quality of one's professional competence, it is often an indicator. Medical schools have various levels of selectivity (some are harder to get into than others), and both the quality of their clinical training and level of research are measured. Additional medical training in both residency and fellowships and the facilities they are conducted at also provide a history of the doctors' level of training and experience.
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text: Biologist thinks jellyfish may have lured 300-pound sunfish to Puget Sound Share this story email Share this story «Previous 2 of 13 Photos Next » Read the story « » Sunfish caught in Elliott Bay A giant sunfish, estimated to weight between 325-350 pounds, was caught in Elliott Bay earlier this week. The sunfish has been on display outside Sunfish Fish & Chips in West Seattle for several days and is creating quite a buzz around town. A local marine biologist with the Department of Fish and Wildlife thinks the sunfish was tracking jellyfish to eat as it made its way into the Puget Sound.


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Real news. Real funny.
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text:
Music from Saharan cellphones is a compilation of music collected from memory cards of cellular phones in the Saharan desert.]]>
In much of West Africa, cellphones are are used as all purpose multimedia devices. In lieu of personal computers and high speed internet, the knockoff cellphones house portable music collections, playback songs on tinny built in speakers, and swap files in a very literal peer to peer Bluetooth wireless transfer.
The songs chosen for the compilation were some of the highlights -- music that is immensely popular on the unofficial mp3/cellphone network from Abidjan to Bamako to Algiers, but have limited or no commercial release. They're also songs that tend towards this new world of self production -- Fruity Loops, home studios, synthesizers, and Autotune.
In 2010, various versions of saharan cellphone music were released on cassette. Many of the songs were unlabeled, giving no insight to their mysterious origins. In the past year, the artists have been tracked down to collaborate on a commercial release. As such, 60% of the proceeds go directly to the artists.
People are always asking how we make our music, how we use samples – we would talk about music concrète, stuff like that, and that's absolutely true – we often make music out of material that other people wouldn't think to use. Like for instance we might take a sample from YouTube and then build a whole song around it with these more hi-fi instruments, and then erase the sample from YouTube so it's not even in the track. There's a lot of recycling and destruction that happens in the making of our music.
Sacramento rap-punk outfit Death Grips originally reported that their second LP of 2012, NO LOVE DEEP WEB, would hit shelves "sometime this fall". After announcing via Twitter yesterday that the "label (Epic Records) wouldn't confirm a release date 'till next year sometime'", the outfit responded in true anarchical fashion by making the album available on their own terms. "The label will be hearing the album for the first time with you", they added.
My show starts tonight. P.O.S is ruining @thecurrent 11-12 #enjoy— P.O.S from DOOMTREE (@YEAHRIGHTPOS) March 30, 2013


text:
This Child's Necklace in a Walnut Shell is the perfect gift for a dress up child! Your child will crack open a walnut to find a sweet necklace inside. Each nut contains one necklace with a pendant is strung on a 17" clear elastic cord. Walnut Shell comes in a lovely organza bag. This beautiful gift is created in the U.S.A! Use Options Bar to choose from an Amber Colored pendant or a Rose Colored pendant - see pictures of pendants below. Great Basket gift - it's not an egg, but it's close!
PLEASE NOTE: Blue is currently Out of Stock. We now offer an Amber colored necklace option!
Please see bead colors in pictures below - click on the picture to see a larger version.


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(Sorry for the inconvenience)
Once you have installed PC-BSD®, you will want to become familiar with your desktop environment. This section discusses the desktops which can be selected during the installation of PC-BSD® or installed afterwards using System Manager.
These desktops are fully supported, meaning that all of the PC-BSD® utilities are integrated into the desktop environment:
By default, three PC-BSD® icons will appear on these desktops:
AppCafe®: graphical utility used to install, uninstall, and upgrade software. See the section on Using AppCafe® for more details.
PC-BSD® Control Panel: contains applications for administering the computer. See the section on Control Panel for more details.
PC-BSD® Handbook: a PDF version of the PC-BSD® 9.1 Users Handbook (this document).
The following desktops are called "unsupported" in the PC-BSD® installer as they are meant for more advanced users who are comfortable working at the command line. The PC-BSD® utilities will work in these environments, but the user may need to start some utilities manually from the command line if they do not appear as an icon on the desktop or in the desktop's application menu:
Advanced users can also install other desktops using the FreeBSD ports and packages collection. You can browse the 180+ available desktops in the x11-wm[1] category at Freshports.
The rest of this section provides an overview of each of the desktops that can be installed with PC-BSD®.


text:
Varible Voltage & Mechanical
Cartridges & Eliquid
These statements have not been evaluated by the Food and Drug Administration. The information and product is not intended to diagnose , treat or cure any disease. Smokeless Delite is not intended as a smoking cessation device and should only be used by adult smokers and not intended for pregnant women and those people who are sensitive to nicotine. Warning for California residences regarding Proposition 65: Smokeless Delite e-cigarette products contains nicotine, a chemical known to the State of California to cause birth defects or other reproductive harm. All successful orders hereby agree to the terms and conditions associated with Smokeless Delite, Inc. and verify that by purchasing you are over the age of 18. If you are a California Resident, and placing your first order, you must call 1-800-320-1380 to place your order and fax your California Drivers License to verify that you are over the age of 18.


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Puddle Coats, the perfect Mud and Rain Children's Coats and mates to our Puddle Pants. These tend to run large so you may want to order 1 size smaller than the matching Puddle Pants size. For the Multicolored Jacket - order the same size as the pants.
Our Puddle Coats are great for children who love to be in the rain (see Charlie in the pictures below). They are made of a soft, quiet, rubbery, waterproof material. The soft cloth liner is bonded to the polyurethane outer material, all seams are taped. They also feature a reflective stripe down the center front and around the cuffs, great for night-time walks or playing outside during poor visibility. These are very well made. Our Puddle Coats are easily washed off and double as a snow coat in the winter with proper clothing underneath. We recommend our silk or wool long johns. This is great for slushy weather.
Playing in the soil and having their hands stimulated with feeling different materials helps children develop sensory skills leading to better eye hand coordination. But staying dry and warm is also important. And keeping regular clothes mud-free is a relief to some of us parents!
European Sizes (size 92, for example, refers to the centimeter height of the child):
- 86 (6 to 12 months), 86 cm is 33 3/4" tall child,
- 92 (1-2 years old ), 92 cm is 36 1/4" tall child,
- 98 (2-3 years old), 98 cm is 38 1/2" tall child,
- 104 (3-5 years old), 104 cm is 40 7/8" tall child,
- 116 (5-7 years old), 116 cm is 45 1/2" tall child,
- 128 (7-8 years old), 128 cm is 50 3/8" tall child,
- 140 (8-10 years old), 140cm is 55 1/8" tall child.
Made in China and imported through Germany. Meets all European safety standards.
"Dear Sonya, The gray clouds roll in. Ginna is bursting out of last year's rain gear. Your shipment sits on the front porch. Brilliant! I've hung the rain jacket and pants on the hallway hook, awaiting Ginna's attention. She will be thrilled. Thank you so much for your terrific customer service. Best, Beverly S. Camden, ME 9/17/09"
- Pink Fairy (with a beautiful Butterfly flower illustration on the front of the jacket) has a thin polyester weave backing inside. Hood is attached. One front pocket. (Discontinued - see sizes still available above)
- Multicolored Jacket (navy blue background, red on shoulders, yellow on sides green on hood, shown above) The body of the jacket is NOT lined. Hood is detachable and IS lined in cotton. Draw string at waist. There are no pockets.
- Pink (all pink - photo coming soon)The body of the jacket is NOT lined. Hood is detachable and IS lined in cotton. Draw string at waist. There are no pockets.


text:
BatteryMart.com offers the aftermarket replacement Pantech C530 Slate Cell Phone battery that is compatible with the Pantech C530 Slate Cell Phone. Our in-house technicians test every brand of battery we carry, so you can rest assured that a replacement Pantech Cell Phone battery from BatteryMart.com will have a long life at a great price.
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The Answer to All Your Burning Questions
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Photos from MechaCon IV in Lafayette, Louisiana
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text: Richard G. Larsen is an affiliate distinguished professor in the School of Business. He teaches tax and management courses in undergraduate, MBA and Executive MBA programs. He previously taught as an adjunct professor at the University of Maryland and in the Graduate Tax Program at American University. Prior to joining the faculty at George Mason University, Larsen was a partner in Ernst & Young LLP's National Tax Department in Washington, D.C., where he focused on tax accounting and risk advisory services, corporate tax matters for aerospace and defense clients, and internal practice management issues. At his retirement, he was the Global Director of Tax Risk Services and served on Ernst & Young's Global Advisory Executive board. Larsen previously served as the Tax Managing Partner of Ernst & Young's Washington and Stamford offices and the Regional Director of Tax of the Mid-Atlantic Region. Prior to joining the Ernst & Young, Larsen worked on the personal staffs of three U.S. Senators. He currently serves on the board of directors of Tax Analysts and the Northern Chapter of the Virginia Society of CPAs, the Accounting Advisory Board for BNA, the Internal Revenue Service Advisory Council, finance committee of the Washington National Cathedral and is a frequent lecturer. Larsen received his BBA, with honors, from The George Washington University and his Juris Doctorate, with honors, from The George Washington University Law School. He also attended the Advanced Management Program at the Columbia University School of Business. In 1992 he was awarded George Washington University's Outstanding Alumnus Award, Beta Alpha Psi honorary society and was awarded the Phillip A. Blanchard Award for excellence in undergraduate teaching by the George Mason University chapter of Beta Alpha Psi,. He is a certified public accountant licensed in the state of Virginia and is also a member of the American Institute of Certified Public Accountants, and the American Accounting Association, the American and Virginia Bar Associations and, the National Association of Corporate Directors.


text:
Detroit � I caught him as he was dressing for pregame practice Wednesday, a few hours before the A�s and Tigers tangled in a bid to see if Detroit might want to win a game after losing the first two sets of its four-game pairing at Comerica Park.
Max Scherzer was changing into a blue long-sleeve Tigers shirt, which was a rough sartorial match for the workout shorts he was wearing. He was busy as he sat on a chair in front of his locker within the clubhouse, but not too busy to talk about history, which is what Scherzer could make today if he beats the A�s.
Scherzer could win his 20th game this season. If that were to happen, the Tigers right-hander, who at the moment is the team�s unofficial staff ace, would become the first big-league pitcher this season to nail 20 victories.
Scherzer looked up from his locker stool. He could acknowledge �20� carried weight. But it had to be in context, he said. It was a subject that came with strings attached.
�Because of the history of the game, I respect that,� said Scherzer, who a month ago turned 29 and whose record since the start of 2012 is a dizzying 35-8. �But I don�t look at tomorrow as different from any other start.�
We get that. Absolutely, we do. In fact, we�ll put ourselves on the same clubhouse chair and tell you why we get it.
The Tigers are in a team business. Team members subordinate themselves to team goals. It�s a basic sports ethic, of course, although you could say it is heightened this season because the Tigers are expected to win their division and hang around during October�s playoffs.
In good company
Any sidetracked focus on numbers � whether it is Miguel Cabrera chasing another Triple Crown or Scherzer winning 20 � would be out of place and not consistent with the all-for-one, one-for-all creed sports supposedly adopted during an ancient pre-ESPN era.
You can still get away with these personal numbers conversations as long as you�re talking about something hallowed � like history.
If he prevails today, Scherzer would join Justin Verlander (24-5 in 2011) as the second 20-game winner for the Tigers since 1991 (Bill Gullickson). He would become the eighth Tigers pitcher since 1966 to win 20 games.
He would join Denny McLain (three times), as well as Jack Morris and Joe Coleman (twice), and Mickey Lolich, Earl Wilson, Gullickson and Verlander, all of whom pitched for Detroit during the past 50 years and reached the gold standard of 20.
It�s special. Scherzer, who verbally is one of the straightest marksmen in manager Jim Leyland�s clubhouse, had to concede as much.
�To me, it would be the sign of having competed at a high level, and I�m capable of pitching at a high level,� he said of 20 victories and its significance.
But, ah, the team. Always the team. Scherzer can�t win 20 games unless his sidekicks working in the field and swinging bats are cooperating. Conversely, his cohorts can hit and field in sterling ways that will mean zero if their guy on the mound isn�t in command.
He let fly with one of those knowing grins that are a Scherzer trademark.
�That�s why it�s been such a great run,� he said. �We�ve been in great synch. They get bit hits. They make great plays behind me. Some games I�ve not been as sharp, but they�ve gotten extra runs.�
Finding his groove
For his part, Scherzer has discarded hitters as if they were cans to be recycled.
He found his groove, he said, following a game April 29, 2012, after he walked seven Yankees batters and struck out four in a 6-2 loss at Yankee Stadium.
After that forgettable Sunday, he became, well, Scherzer. He has gone 34-5. His ratio of strikeouts to walks has become more of a 5-to-1 mix.
You wonder what a man who becomes a free agent in 14 months might pull if his free agency arrived this autumn. Imagine what an agent named Scott Boras might demand for Scherzer�s signature as he prepares to finish off a two-season run that will leave him with, well, historic numbers.
Scherzer wasn�t worrying about timelines Wednesday. He is smart enough, and talented enough, to know that if his health holds up, the paydays will follow. They�ll look like a Wall Street executive�s yearly bonus.
�It�s hard to fathom next year,� he said, the Scherzer grin creeping across his face, �when you�ve got to finish this year.�


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Document cameras are a great way to bring 2D and 3D objects to life during presentations or instruction. These visual presenters come in a selection of styles, resolution and zoom capabilities, so you're certain to find the right fit for your office. IP addressable document cameras let you share images via the Internet, and SD slots allow you to store images for later use.
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text:
Evans Cooling Systems Inc. has developed an antifreeze called NPG+ and NPG-R (nonaqueous propylene glycol) that use no water, never freezes and does not boil until 375 degrees F. Though it has been on the market for a few years, most enthusiasts do not know about it. Those that are familiar with the name often do not fully grasp its attributes. The problem is, you need to be intimate with how an engine's cooling system and the liquid coolant itself functions to recognize the benefits of the chemistry.
The temperature gauge reads the heat in the liquid coolant, and not the metal surface temperature of the cylinder head. Detonation, run-on and sluggish performance are often blamed on today's gasoline and the amount of compression in an engine. Though these are factors that impact the way an older or even a new engine runs, the effectiveness of the coolant is more paramount to the state of tune than acknowledged. All too many collector and muscle cars have the ignition advance curve dialed back to eliminate detonation, when the real culprit is excessive combustion chamber surface temperature from an ineffective cooling system. The gauge reads fine, but the cylinder head is superheated. Even the most efficient water pump and radiator are limited in their performance with traditional coolants. The chemical composition of the water and anti-freeze mix is limited by design. Conventional coolants do a great job for what they cost, but in most applications allow a great deal of power to be left on the table – the engine tune-up is altered to work under the amount of heat removed from the cylinder head. This is a theory that even the most ardent engine builder and enthusiast often overlooks.
Unlike most magazine technical articles, this primer is more about understanding than doing. The coolant itself is a simple pour-in once all the old water based antifreeze is removed. The chemistry in the Evans products will do the rest. So before we introduce the steps for a proper conversion, a brief overview of coolant and how it functions will be addressed.
The primary purpose of a liquid coolant is to remove heat from the cylinder head and engine block. Secondary concerns all apply to how the coolant transfers heat, its ability to be pumped, limit corrosion and deposits, offer lubricity, and not freeze.
Traditional anti-freeze is a 50/50 mix of ethylene glycol and water that is often abbreviated as EG.
Heat is transferred from the cylinder bore and cylinder head to the liquid coolant. The state of the coolant is dependent on the rate of heat input. When the coolant reaches the hottest part of the cylinder head, which is usually around the combustion chamber and exhaust valve, it will actually start to boil. This phase change is identified as nucleate boiling and allows efficient transfer of heat. The coolant's chemical and thermal reaction is responsible for how efficient this process becomes.
At very low load on the engine, no boiling occurs. During higher engine loads and speeds, the rate of heat flow through the cylinder head is increased until steam bubbles are formed in certain regions on the surface of the water jacket. These areas are the metal bridge between the exhaust valve seats and spark plug boss.
Under severe engine load and speed, the vapor bubbles become so large and numerous that the liquid has difficulty flowing. When this critical temperature is reached, the hot surface of the water jacket suddenly becomes insulated by individual steam bubbles which join together to form a film. Under these conditions the film insulates the water jacket from the coolant, and metal surface temperature of the cylinder head elevates dramatically and can cause the engine to ping or lack power – even though the temperature gauge shows no sign of this condition!
The boiling point of a liquid is defined as the temperature at which the vapor pressure is equal to the external pressure on the surface of the liquid. Back in the early days it was common for engines to "boil over" when carrying a heavy load in high elevations, like those found in the mountains of the western United States. These early cooling systems were not pressurized, so increases in altitude were very problematic.
When it comes to boiling it is true that it is not desirable to have this occur in the radiator. The radiator's job is to cool the liquid, while the liquid's task is to cool the engine. If the radiator of an engine is boiling over, it means the coolant is becoming superheated and turning to a vapor. When it re-condensed it contained too much heat for the radiator to dissipate. So as you can see, we need to identify where it is good and sound engineering to have the coolant boil.
Before this topic can be explored, it needs to be recognized that the load on the cooling system and the coolant itself is not the same under all driving conditions. At idle and light load such as cruising down an interstate highway, the engine is not required to produce much power. The amount of power required to move a vehicle at 65 mph is only a fraction of what the engine can produce at maximum output. On average, an older car only requires 25 to 30 horsepower to cruise on level ground at 65 mph. Since an internal combustion engine is nothing more than a heat pump, the thermal load the liquid coolant and the radiator is exposed to is proportional to the heat of the power produced. If the same vehicle is asked to climb a long grade at a steep angle, pull a trailer, or produce maximum power for passing or racing, then the load on the coolant and radiator increases.
A coolant must work to meet the transient needs of the engine. Many falsely believe that water is the best coolant. That would be true if the engine was going to do nothing but idle, or never produce anywhere near maximum power during its lifetime. With its specific heat rating and good thermal conductivity qualities, water does an excellent job of cooling an engine – that is, until the load is increased and the coolant starts to boil in the cylinder head. Never mind the fact that water creates rust and corrosion that insulates the liquid from the water passages, diminishing thermal transfer in the engine and radiator. When this happens in the engine, the water would stay cooler since there is less heat rejected into it but the metal surface temperature of the cylinder head would be much higher. In addition, water offers no lubrication properties for the pumping mechanism (water pump) and will freeze.
As the coolant is asked to work harder, boiling occurs in the cylinder head water jacket. Thus, EG antifreeze can actually wear out. This is a result of the additive package becoming neutralized and consumed from the high temperatures and constant phase change that is occurring. An engine that is loafing for most of its life and hardly ever has the coolant work hard will have the additives stay active longer. For this reason, if traditional EG-based coolants are used, they need to be changed on a regular basis. The recommendation of a maximum of three years is only for an engine that sees normal duty. In severe usage such as racing or towing, the coolant would need to be changed much more frequently.
Evans NPG+ is a lifetime coolant. It has lower surface friction than EG/water, and boils at 375 degrees F at atmospheric pressure. This allows the coolant to remove more heat from the cylinder head and limit heat-related detonation. It also eliminates all water along with the possibility of corrosion or cylinder liner cavitation in wet sleeved race engines such as the big-bore LS series. Collector cars that are hardly used will benefit from the lack of corrosion from the absence of water with the Evans product.
The boiling point of a coolant increases 3 degrees F for every pound of pressure created by the radiator cap. A common 15-psi cap will have water boil at 257 degrees F. Water/EG will boil at 264 degrees F at 15 psi, giving the Evans product an advantage of 105 degrees F. When choosing a coolant for an engine, you need to consider the worst-case conditions, not idle or light load. Traditional coolants are inferior when the load or horsepower increases. That is where the Evans product shines, allowing for better protection and a more aggressive tune-up.
To install the Evans coolant in any engine, all of the old coolant needs to be removed since any water-based product will impact its effectiveness.
The company offers two products: NPG+ and NPG-R, along with a Prep Fluid to help remove the old coolant if the block drains cannot be accessed. NPG-R is the best choice for a racing application that must meet a requirement of a sanctioning body in regard to engine coolants, but is not considered a lifetime product. The NPG+ can be used in almost every application, and does not require any special radiator or water pump. Its viscosity is very near traditional coolant; the NPG-R is even thinner than NPG+.
For our installation we worked with IDA Automotive in New Jersey, as Bob Ida switched his street/road race 2010 Corvette Grand Sport to the Evans NPG-R. Bob has done countless installations of Evans coolant in all types of vehicles – blown street rods to his land speed record-holding race truck, and everything in between. Regardless of the use, Bob told us that he has never had a time when the coolant did not either fix an overheating issue, or not allow a more aggressive engine calibration. An additional benefit of the Evans product is that it builds much less pressure in the cooling system, even with a stock radiator cap. Its rate of expansion is lower than EG. This means all of the parts exposed to the coolant will enjoy a longer life, since they are not stressed as much.
It is hard to believe that a coolant can have so much effect on an engine. As the author I write this with experience. My three vehicles and farm tractor have all had Evans NPG+ in them for the last six years. I will never go back to conventional coolant. The trick is to do a proper installation and get beyond the obstacle of the cost (around $40/gallon). Just ask Bob Ida, he says it's the best money he has ever spent under the hood of a car!
Bob Ida road races his modified C6, and knows from experience the benefit of the Evans NPG coolant's higher boiling point and reduced cylinder head metal surface temperature. He told us that on the hottest of days, he can lap the car with no perceptible decrease in performance – unlike standard coolant.
Ida has extensive dyno experience and usually takes advantage of the Evans coolant with a more aggressive tune-up, but that is not required. No tuning is necessary to enjoy the benefits of NPG.
The C6 Corvette has a very efficient cylinder head design that makes it less prone to detonation. Older engine styles or those with forced induction have the potential to see huge gains from the Evans NPG line.
We installed the NPG-R in the Corvette since it is accepted by the racing associations. A better choice for most street or collector cars would be the NPG+ for its longer service life.
The process begins by draining the radiator and accessing the block drains to remove all of the old coolant. Here Bob is removing a block drain from the LS3. If possible, remove the heater hoses and use compressed air to blow out the old coolant.
Due to the level of preparation, the next step was to fill it with the NPG-R and run the engine. Most will choose to not remove the block drains and use the Evans Prep Fluid to pull out the old coolant. Install two gallons of Prep Fluid and run the engine with the heater on until it is fully warm and the thermostat is open. Drain the Prep Fluid. It can be saved for another installation. The method to confirm the amount of moisture is to use a special refractometer from Evans ($69.95).
A sample of the coolant or Prep Fluid is placed on the sight glass of the refractometer. The instrument provides a scale in a value called Brix.
With the sample on the sight glass, the instrument is looked through and a scale read. It is supplied with a chart to identify the amount of water left in the system as a percentage.
The ideal is to have 0% water, but that is hard to accomplish with an in-service conversion. A good reading is no more than 5%. As the vehicle is used, the remaining moisture will boil off. If the value is above the desired percentage, simply drain out a gallon of the coolant and replace it with another fresh gallon. The drained coolant can be heated in a pot on a barbecue grill to boil off the water it absorbed, and then used in the vehicle at a later date.
(Photo courtesy of Evans)
At press time, the NPG+ and NPG-R retail for $39.95/gallon, the Prep Fluid is $33.95/gallon, and the refractometer is $69.95. The average conversion cost for an in-service engine is around $200. If a new engine is being built, all that is required is to blow out the heater core and pour the Evans coolant in the radiator.
Evans Cooling Systems, Inc.
255 Gay Street
Sharon, CT 06069
IDA Automotive Inc.
600 Texas Road
Morganville, NJ 07751


text:
Connect to a Wireless Network/9.2
From PC-BSD Wiki
Revision as of 12:27, 23 April 2013 by Tigersharke (Talk | contribs)
(Sorry for the inconvenience)
If the system has an active wireless interface, a screen similar to Figure 4.6a will indicate the wireless networks which were automatically detected.
If you would like to set the default wireless connection, highlight the network that you would like to connect to. If the network does not appear, you can click the "Rescan" button. If you are unable to connect or you wish to configure the connection at a later time, see the section on Network Configuration.
When finished, click the "Next" button to continue the post-configuration tasks.


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Transform yourself
There are no limits to what you can accomplish here. Our programs and activities are designed to help you transform your dreams into reality.
When you choose CCC, you get the full...
You deserve a quality education
Our academic programs are designed to help you transform your dreams into reality. Transform yourself. And transform your future.
Whether you're planning to start a career right...
Belong here
College isn't just about studying. It's also about building relationships. Trying new things. And staying active.
At CCC, we're committed to giving you the full college experience...
Transform our community
At CCC, we maintain a strong sense of community, both on our campuses, and also with the surrounding regions. Our faculty, staff, and students are always looking for new ways to...
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Enfield Fire Department


text:
Classic Reviews: 2013 Ford Focus ST
|2013 Focus ST Road Trip!
Trekking to the 2013 Mid America Ford & Shelby Nationals in Ford's hot hatch.
U.S. Air Force Thunderbirds Edition Ford Mustang
The very first 2014 Mustang celebrates the U.S. Air Force Thunderbirds 60th anniversary and will be auctioned off to benefit the EAA Young Eagles.
|Ford Unveils 2014 Ford F-150 Tremor
Ford brings back the sport truck with an Eco-Boost twist.
|One-of-a-Kind 850hp 2013 Ford Shelby GT500 Cobra
"Friends of Carroll Shelby" builds a one-of-a-kind 2013 Shelby GT500 Cobra to commemorate the late Carroll Shelby.
|Classic Reviews - 2013 Boss 302
A Real Jekyll & Hyde Ride
|2013 Ford Shelby GT500 Is A 662hp Monster!
The fastest Mustang ever is capable of over 200+ MPH!
|Ford Remembers Carroll Shelby
A member of the Ford family for over 50 years.
|MILESTONES: Late Model Mustang
In the fourth issue of our digital series we spotlight the modern Mustang. From the origins of the Fox body to the latest show piece in Ford Racing's arsenal, this edition is sure to please any Mustang fan!
|Video - 2013 Ford Fiesta ST Detroit Attack
Watch a race-prepped Fiesta ST tear through the streets of Detroit!
|Video - 2013 Shelby GT500: Launch Control
3...2...1...LIFTOFF! Putting the 2013 Shelby GT500 into orbit the fun way.
|Video - 2013 Shelby GT500: Nurburgring
Nurburgring: the ultimate test track. Time to see what the GT500 can really do!
|Video - 2013 Ford Focus ST Pro Driver Track Lap
Pro Driver Steve McCarley pilots a bone stock 2013 Ford Focus ST around Hallett Motor Racing Circuit.
|Video - 2013 Focus ST Track Lap
Editor Brian Medford takes a lap of Hallett Motor Racing Circuit in a bone stock 2013 Ford Focus ST.
|Video - Coyote Powered '69 Mustang Track Time
Lonny Childress of Gateway Classic Mustang pilots their 5.0L Coyote mod motor powered '69 Mustang Sportsroof around Hallett Motor Racing Circuit.
|Video - 2013 Shelby GT500: Nardo
Running the GT500 at The Nardo Ring in Southern Italy.
|Video - 2013 Shelby GT500: Drag Strip
So what is it like to pilot the new GT500 down the strip? You are about to find out...
|Video - 2013 Shelby GT500: The Stats
Let's look at the numbers behind this potent pony.
|Video - 2013 Shelby GT500: Faces of SVT
Meet the team at SVT as they push the 2013 Shelby GT500 to the limit.
|Video - 2013 Shelby GT500: Durability
Carroll Shelby's legendary touch runs deep in the new GT500.
Event Coverage
|Ford Adds Excitement To The 2014 Barrett-Jackson Auction
The very first 2015 Mustang and tons of cool cars are featured at the big Scottsdale sale.
Blue Ovals On Woodward
The Dream Cruise celebrates the legacy born along Woodward, thanks to Henry Ford.
Hot Time In The Biggest Little City
Fords turn up the heat at Reno's Hot August Nights.
Mustang Week 2013
Mustangs, Beach Time and Family Fun
|Report: 2013 Mid America Ford & Shelby Nationals
Bringing the Ford & Shelby family together again in Tulsa!
|Ford Storms Barrett-Jackson's Palm Beach Auction
The Ford Barrett-Jackson Partnership At West Palm Beach.


text:
Hope Love Joy
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Accordion Mini Photo Books by Mpix: Hope Love Joy
Our Hope Love Joy Accordion Mini photo book features your favorite photos trimmed with a green border and white arrows on a background design of blue lined spheres. This imaginative mini photo book is perfect for displaying photos from any special occasion.
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Mpix Accordion Minis are perfect for celebrating any occasion - we have newborn Accordion Minis, wedding Accordion Minis, holiday Accordion Minis or an accordion mini for the day you finally get everybody in the same room (and smiling!) for a few family photos. We have tons of unique Accordion Mini designs to make your own. Pick your occasion, choose your layout and drop in your photos.
Don't forget to browse our Fun Photo Gifts!


text:
New Orleans — They might have been playing one of those old-fashioned table football games, one with pushbuttons and cards, in the kitchen of a one-family home in Ann Arbor.
Two brothers. The older one, quiet, sometimes smiling, cerebral. The younger, eyes flashing, yelling, gesturing, also cerebral.
John Harbaugh versus Jim Harbaugh.
Competitors! Brothers!
It might have been settled in the kitchen before an October dinner — because that's what kids do. They love sports and they play together and build sibling rivalries.
But this game was real, not a kitchen table war of buzzers and little wooden figures. This was genuine American football — with a national audience and the world watching these two brothers battle wits in Super Bowl XLVII.
And indeed they did battle.
In the end, John Harbaugh won it. The genuine thing.
Barely. By three points, and 5 yards to spare — and by giving Jim two points with four seconds left.
Not a gift for kid brother. It was strategy. A deliberate safety, followed by the free kick with four seconds left.
A little bit better
For most of this Super Bowl, John's Ravens pretty much outfought and out-defended Jim's 49ers. In the end, John's team outlasted Jim's team. Baltimore won this Super Bowl, 34-31, Sunday.
Sort of like a pillow fight they might have had in the bedroom they shared in Ann Arbor.
But the truth is John outcoached his kid brother.
Just a little bit.
Just enough to win.
"We were not perfect," said John. "It was not pretty."
Indeed, Jim's 49ers came almost all the way back from a 22-point deficit in the second half.
They were short by those vital, valuable 5 yards.
As confetti fluttered on the champion Ravens, John and Jim met and shook hands.
Brothers, for sure. Opposing coaches, for certain.
Their handshake was brief — almost as if they had never met before.
"I love you," said John Harbaugh, repeating their handshake conversation.
"Congratulations," responded Jim, adding his memory. "I'm proud of you."
Then Jim ran off the field to the 49ers locker room.
And John, smiling, walked toward the championship presentation of the Vince Lombardi Trophy.
"It's tough," said John, opening his emotions about defeating his brother.
"It was a lot tougher than I thought it was going to be. It's very painful . . .
"The meeting with Jim at the end was very difficult, the most difficult thing I ever did in coaching.
"We needed the goal-line stand to win it."
Formidable Flacco
Five years ago, John Harbaugh had worked his way upward to a head coaching job in the NFL. The Ravens hired him. His first bit of input was to draft an obscure quarterback — Joe Flacco out of Delaware.
The Ravens won with the oft-criticized Flacco outplaying the heralded Colin Kaepernick.
Just a little bit.
They won with Flacco passing for three touchdowns in the first half. Some were darts, some were lobs, some were short, some were deep.
Flacco, who was scoffed at when he declared himself an elite NFL quarterback before the 2012 season. Flacco, who defeated Peyton Manning and Tom Brady in the AFC playoffs to reach this Super Bowl.
"We don't make anything easy," said Flacco, after his elite performance.
But in the bitter end, the Ravens won, with their defense --- Ray Lewis' defense in his last game after 15 NFL seasons.
In those final two minutes the 49ers were at the Baltimore 5 with three shots at the winning touchdown. Three times, the Ravens forced Kaepernick to throw incomplete passes toward the end zone.
On two of them, Jim went ballistic on the sideline — as has been his habit — yelling for pass interference.
"The way it was 28-6 . . ." John told the media, "I just knew with Jim Harbaugh being the other sideline and all those years that we have been together that the game was going to be a dogfight right to the end.
"Those guys were coming back.
"There is no greater competitor and no greater coach in the National Football League — or in the world — than Jim Harbaugh. The way that team played proved it."
The Harbaugh brothers couldn't have worked anything like this on their kitchen table in the 1970s in Ann Arbor.
Their dad and mom, Jackie and Jackie, never would have believed it.
Jerry Green is one of three newspaper writers who have covered every Super Bowl. Ed Pope of the Miami Herald and Jerry Izenberg of the Newark Star-Ledger are the two others.


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