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|Benefits included in the price
Current Account
Open an account for you and another person, send a total of CZK 12,000 a month to both accounts, and you will not have to spend a single koruna on the keeping of those accounts or other standard transactions.
Withdrawals from all ATMs.
Both clients in TANDEM get a Debit MasterCard for free and they also have free-of-charge withdrawals from all ATMs of all providers worldwide. Our bank does not charge any transaction, but ATM operators may charge their own fees. The client is informed about the charge on the ATM screen and has the possibility to reject the transaction.
Domestic online payments
Any domestic standard payments made via Smart Banking or Online Banking.
Bank in a mobile
A convenient control of your account via an innovative application in your mobile phone.
Access to your account from anywhere in the world
Intuitive Internet banking with the Finance Manager and My Wishes features, thanks to which you can make your dreams come true.
Immediate financial reserve
Provision, administration and keeping of authorised overdraft on the account from CZK 5,000 to CZK 150,000. If you already have a bank overdraft, you can easily transfer it to our bank.
In order to get all the benefits, all you have to do is send a total of CZK 12,000 to one or both accounts. The proportion of this amount between the accounts depends only on you.
By choosing all the features SMS Alarm will be
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keeping of the current account in CZK and another account in a foreign currency free of charge
CZK 0 / on a monthly basis
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withdrawals from all ATMs of all providers worldwide
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Smart Banking
convenient control of your account via your mobile phone
CZK 0 / on a monthly basis
Online Banking
finance management from anywhere in the world
CZK 0 / on a monthly basis
Bank Overdraft
provision, administration and keeping of authorised overdraft on your account
CZK 0 / on a monthly basis
Payment Card
contactless embossed payment card
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U Konto TANDEM 2 accounts for free 0 CZK
Current Account - CZK
ATM withdrawals - CZK
Smart Banking - CZK
Online Banking - CZK
Bank Overdraft - CZK
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Total 0 CZK
For starters, you will get up to 2 months of free account-keeping from our bank.
Both clients will have the keeping of the U Konto TANDEM Account free of charge in the following months provided they send a total of at least CZK 12,000 a month to one or both accounts.
It is easy to make us your bank
If you are interested in changing your bank, we are here for you in our entire branch network. You will handle all during a single visit in our bank. We will take care of everything for you.
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Since 1 March 2017, a new product has been added to our offering – a Basic Payment Account. It is an account compliant with the requirements of the amended Payment System Act as a result of the implementation of a European directive. The legislation defines the right of any person legally residing in the EU to a payment account with basic features in the Czech Republic. The fees are the same as those charged in accordance with the Price List. For more information, click here.


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Plasmacytoid DCs foster fibrosis
As potent producers of type I interferon, plasmacytoid dendritic cells (pDCs) have been implicated in multiple autoimmune disorders. Here, Ah Kioon and colleagues show that pDCs contribute to skin fibrosis in systemic sclerosis, largely through activation of TLR8, which is not normally expressed in these cells, and secretion of CXCL4. These data were garnered from systemic sclerosis patient samples and mouse models. Depletion of pDCs from mice with established fibrosis ameliorated disease symptoms, further suggesting that targeting these cells could help patients with this devastating disease.
Systemic sclerosis (SSc) is a multisystem life-threatening fibrosing disorder that lacks effective treatment. The link between the inflammation observed in organs such as the skin and profibrotic mechanisms is not well understood. The plasmacytoid dendritic cell (pDC) is a key cell type mediating Toll-like receptor (TLR)–induced inflammation in autoimmune disease patients, including lupus and skin diseases with interface dermatitis. However, the role of pDCs in fibrosis is less clear. We show that pDCs infiltrate the skin of SSc patients and are chronically activated, leading to secretion of interferon-α (IFN-α) and CXCL4, which are both hallmarks of the disease. We demonstrate that the secretion of CXCL4 is under the control of phosphatidylinositol 3-kinase δ and is due to the aberrant presence of TLR8 on pDCs of SSc patients, which is not seen in healthy donors or in lupus pDCs, and that CXCL4 primarily acts by potentiating TLR8- but also TLR9-induced IFN production by pDCs. Depleting pDCs prevented disease in a mouse model of scleroderma and could revert fibrosis in mice with established disease. In contrast, the disease was exacerbated in mice transgenic for TLR8 with recruitment of pDCs to the fibrotic skin, whereas TLR7 only partially contributed to the inflammatory response, indicating that TLR8 is the key RNA-sensing TLR involved in the establishment of fibrosis. We conclude that the pDC is an essential cell type involved in the pathogenesis of SSc and its removal using depleting antibodies or attenuating pDC function could be a novel approach to treat SSc patients.
- Copyright © 2018 The Authors, some rights reserved; exclusive licensee American Association for the Advancement of Science. No claim to original U.S. Government Works
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1. Preheat the oven to 350 degrees F. Line a baking sheet with parchment paper.
2. In a food processor, combine the chickpeas, sunflower seed butter, monk fruit, water, vanilla, and baking powder. Pulse 4 times to get the mixture moving, then let it run until smooth, about 1 minute.
3. Transfer the dough to a medium bowl and mix in the chocolate chips with a rubber spatula. Scoop into 1-inch mounds on the lined baking sheet.
4. Bake until set, about 13 minutes. Let cool.
"Rocco's Healthy & Delicious: More than 200 (Mostly) Plant-Based Recipes for Everyday Life" by Rocco DiSpirito © 2017. Provided courtesy of Rocco DiSpirito. All rights reserved.
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The PADI Search and Recovery Diver Specialty is a most practical course to learn and teach. As a diver, to be a part of a team, for example on a rescue dive, there is a feeling of goodwill and many recreational divers are interested to use their scuba diving skills toward something practical and meaningful.
Course content of the PADI Search and Recovery Diver Specialty emphasizes many skills on different underwater search patterns, rigging and lifting objects and knot tying.
The combination of these skills will give a student the insight of how much planning and organisation is needed to avoid any problems during a search and recovery dive.
During the Search and Recovery Diver Specialty Instructor course, you will conduct dives in an instructional role. On these dives, you will consider organization; not only for fluid conduct of dive activities, but also for the safety of your students'. You will emphasise safety and supervision, particularly, during skills with rigging and lifting an object to the surface.
The knowledge development component of your course needs to be completed, which will really assist your assessment of student performance. Before each dive you will give thorough briefings and incorporate knowledge development from your students' course, so they may understand how to apply the information to their underwater skills.
The prerequisite of this Specialty Instructor course is to be PADI Open Water Scuba Instructor.
The Search and Recovery Specialty Instructor qualification counts as a pre-requisite instructor specialty towards the Master Scuba Diver Trainer qualification.
Employers view a Master Scuba Diver Trainer as a professional of a variety of interests and one who enjoys teaching their student divers to become proficient recreational divers.
At Downbelow, the PADI Master Scuba Diver Trainer is integrated into 1-month internship program. Within the month, every day will be an opportunity to develop instructional skills and build on training from Specialty Instructor courses.
When you certify as PADI Search and Recovery Diver Specialty Instructor at Downbelow, our world-class training will give you the confidence in your instructional abilities to develop your Go PRO career.


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Trained at the French Culinary Institute in New York City, Keg & Kitchen Chef Phillip Manganaro can trace the lineage of his kitchen techniques to chefs like Chris Painter, Thomas Keller, and Robert Aikens as well as Philadelphia-area standouts like Michael Schulson and Marc Vetri.
Manganaro's philosophy is to extend their knowledge to the younger chefs on his line, handing down those skills to the next generation while maintaining the level of excellence passed on to him. His food emphasizes fresh flavors, consistent preparation, and a focus on quality. When not in the kitchen, he can be found playing music, surfing and playing with his son, Dean.


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We love our customers. It seems like every day, someone creates an email that inspires all of us to up our marketing game. So here are 12 of our customers' best (in no particular order) along with the smart strategies that make them so effective. Enjoy!
About the Author
McKenzie Gregory is a senior content manager on Emma's marketing team. A Nashville native, she can be found covering all things email on the Emma blog, debating hyphenation rules, and watching obscene amounts of Netflix without a trace of shame.Follow on Twitter More Content by McKenzie Gregory


text: These foods are also rich in minerals and vitamins which will aid in the process of building the muscles rather than accumulating fats. The best way Tevida to get ripped for the ectomorph is to train like a powerlifter. There are small variations muscle building to this question but the answers are generally the same. It is also great before you begin your workout session to prepare your body for the rigorous exercises.If you're thinking about bodybuilding as being something you want to adopt as a lifestyle, your best option is to consult a professional that is completely aware of what he/she is talking about. Once this is done, you will bear me witness that natural muscle building is possible and real, no matter how far you have to build your physique from. It is recommended that you eat or choose foods that are all natural. A free muscle building book which calls for shakes, powders and pills will add significantly to your costs.Overload muscles through exercises: They are ways to make muscles harder by overloading them and this can be achieved through:The time they are under tension, when lifting weights it should be done slowly and tightly. The types of muscle building routines to include would be press inclines with dumbbells and bench presses to develop muscles in your chest. What this process does is that it cuts your full day calorie intake and still maintains a full workout schedule. Anaerobic exercises are those strength training exercises that are commonly seen in weight lifting and muscle building routines. >>>>>>https://testosteronesboosterweb.com/tevida/


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Iowa invests in teacher leaders
Iowa has become the first state to create a teacher leadership system designed to boost student achievement, increase teaching expertise and raise the status of the teaching profession.
Teachers taking on leadership roles to improve classroom instruction and raise student achievement was a key piece of the Legislature's 2013 Education Reform. This new effort allows teachers to work in collaboration with colleagues and learn from each other instead of operating in isolation in their classrooms.
The overriding philosophy of the system is that to improve student learning, you must improve the instruction students receive each day. There is no better way to do this than to empower our best teachers to lead the effort. The system rewards effective teachers with leadership opportunities and higher pay, attracts promising new teachers with competitive starting salaries, and fosters greater collaboration for all teachers to learn from each other.
Teacher leadership systems are being phased in over three years, with the goal of all Iowa school districts participating on a voluntary basis by 2016-17. The Iowa Legislature approved $50 million for the first year of implementation. The second year will see a $100 million investment and $150 million for the third year, enabling all districts to participate if they choose. The funding will become part of the school aid formula that determines how much state money schools receive each year.
During a recent update on the teacher leader system, legislators learned that schools don't want to trade increased investments in teacher leadership for basic school aid. The teacher leadership program will help make the classroom experience the best it can be, but it must have a strong school foundation to build upon.
One Iowa district would have to make about $300,000 in cuts under the House bill to increase school funding by only 1.25 percent. That would significantly diminish the impact of the $340,000 they'll receive in teacher leader grants.
Teacher and principal leadership teams are the key to supporting more complex efforts to prepare students to compete in a global, knowledge-based economy. Our local school districts selected for the teacher leader program include:
School District School Year
College 2015-16
Fairfield 2015-16
Iowa City 2015-16
Solon 2015-16
Tri-County 2015-16
Williamsburg 2015-16
Highland 2016-17
Keota 2016-17
Lone Tree 2016-17
Mid-Prairie 2016-17
Pekin 2016-17
Washington 2016-17
West Liberty 2016-17
Additional information
This is a legislative update from State Senator Kevin Kinney, representing Keokuk, Washington and Johnson counties. For newsletters, photos and further information, go to www.senate.iowa.gov/senator/kinney.
To contact Senator Kinney when the Legislature is in session, call the Senate Switchboard at 515-281-3371. Otherwise, he can be reached at 319-631-4667. E-mail him at firstname.lastname@example.com.
Senator Kinney is vicechair of the Agriculture & Natural Resources Budget Subcommittee. He also serves on the Agriculture, Education, Government Oversight, Judiciary, and Natural Resources & Environment committees.


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'Jody Kamali: Backpacker'
'Top 100 shows to see at the Edinburgh Fringe' Sunday Times. Performed at Edinburgh Festival 2007. A total sell-out. A multi-character show based on my travel experiences in Latin America in 2006. All the characters were based on real people and explored their tragedy of why they were running away from their respective countries. I was sponsored by St Christopher Inns Hostel – which meant I stayed in a shared dorm, in a hostel, for the whole month. It was my first solo show and really learnt what comedy was all about. I got some decent reviews.


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Effective leaders are effective communicators. Great coaches and leaders understand it's not about what they know. Rather, it's about how they communicate to empower those lead to achieve at a high level. Communication is key in all aspects of life, and certainly in sports.
The quality of our relationships are determined by the quality of our communication. As coaches we have three specific areas where effective communication is absolutely critical: with players, coaches, and the community.
Please consider the following suggestions to enhance your communication skills in these three vital platforms as a coach.
It's cliche because it's true, players don't care what we know until they know that we care. The first step to effectively communicate with your players is to get to know them. Ask questions about the person, not the player. In doing so, we convey a sincere desire to learn about who they are as individuals. Once players feel this they will begin to trust us as leaders. Athletes begin to hear the coach's communication more clearly once they've identified their care and trust.
A second key for communication with players is honesty. This can be hard at times because we want our players to like us. Communicating with players can be challenging. However, honest feedback combined with grace will create meaningful relationships. As coaches we must be able to communicate to our players what they need to hear for improvement, not necessarily what they want to hear.
A third key is listening. Coaches must be an active listener. Don't ask for feedback and then tune it out. Some of the best feedback we receive will come back from our players. If we give the impression we have all the answers and are not open to suggestions, trust will begin to erode. Through active listening we are communicating to our players we value their input. Players will feel empowered and the program's culture will become stronger.
When communicating with fellow coaches on staff it is important to talk with, not at them. Communication amongst coaches should be regular, honest, and open. It seems strange but there are staffs out there where communication is almost non-existent. When this occurs it's almost impossible to create a winning culture. Coaches can and should communicate multiple times throughout the day. Whether it's in person, text, or email, make it a priority to have open and clear communication.
Here five questions to include in your coaches meetings:
- What staff and player celebrations do we have?
- What are we doing right?
- What should we be doing to get better?
- What are our ceilings?
- What's our why? Never lose sight of your mission and purpose in coaching.
Building a strong program certainly includes a strong rapport with the community and the parents. It's an absolute must for a coach to effectively communicate to the community. The most important thing a coach can do is to hold parent meetings before the season.The vision and the mission of the program can be clearly articulated here. Don't leave parents guessing. Let them know in person who you are, what you stand for, and how they can be apart of it.
Communication to parents and community members should also include email and social media handles. If used regularly and properly, these communication tools will create a positive atmosphere surrounding your program. While using social media be sure to create content which expresses the core values of your program. Another great practice would be to share posts and content from other coaches and programs who embody what you stand for.
Above all else use every outlet available to create, share, and express enthusiasm for your program. Use every opportunity to celebrate your athletes. Communicate to the community your love and pride for your athletes.
Leaders understand it's not about them, but it's all about those they serve.
Leadership is action, not position. Being an effective communicator for your athletes, coaches, and community is the best way to create something meaningful and larger than yourself.
As always, have fun, and Lead 'Em Up!
View the Lead 'Em Up curriculum in action:
To get a free preview of our dynamic leadership curriculum (available early July), get on the waiting list here!


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Enamel painted vases – I'm in love! If you like to paint, I have a really fun project to share today! I've always loved the fresh, modern design and the eye-catching green and white enamel painted vases that are displayed on white.
As satisfying as a well-written recipe, a smart and thoughtful DIY is our kind of lunch break reading. Bonus points if it's an easy project AND teaches us how to make something beautiful.
On behalf of Ann Taylor Inc., our WGV International team collaborated to donate to St. Jude Children's Research Hospital for an honorable cause to change the way the world treats childhood cancer and other deadly diseases.


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"This text should be part of every GEOINT professional's library and will serve as a superb basic or applied remote sensing reference." - Keith Masback, CEO, United States Geospatial Intelligence Foundation
New York, NY (PRWEB) September 16, 2015
Riverside Research's original, unclassified remote sensing textbook, The Phenomenology of Intelligence-focused Remote Sensing, is now available for purchase. Visit http://www.riversideresearch.org/textbook to purchase this first-of-its-kind resource.
Authored by Riverside Research senior technical experts under a Cooperative Research and Development Agreement with the Air Force Institute of Technology (AFIT), this graduate-level text is the first to include phenomenology, sensors, and intelligence applications under one cover.
"Riverside Research and AFIT have been partners in education and training for more than a decade," said Richard Annas, President, Riverside Research. "Built upon a certification program that ran for 10 years and fielded more than 400 analysts, The Phenomenology of Intelligence-focused Remote Sensing is the pinnacle of that partnership which now stands to benefit the broader defense and intelligence communities."
This textbook provides a never-before-seen breadth and depth of specialized information relevant to geospatial intelligence (GEOINT) disciplines. As an accredited provider of intelligence education and a leading technical advisor in the development and application of full-spectrum GEOINT capabilities, Riverside Research is thrilled to bring this much-needed resource to the GEOINT community.
"[The Phenomenology of Intelligence-focused Remote Sensing] represents a truly meaningful milestone in the evolution of teaching the technical components of GEOINT phenomenology," said Keith Masback, CEO, United States Geospatial Intelligence Foundation. "It is fully comprehensive, yet written in a readily understood, engaging style. This text should be part of every GEOINT professional's library and will serve as a superb basic or applied remote sensing reference."
Faculty, staff, students, and personnel across the spectrum of academia, government, and industry can now take advantage of this unique, technical reference. International orders are accepted. Visit http://www.riversideresearch.org/textbook to purchase your copy now.
More about the textbook
The Phenomenology of Intelligence-focused Remote Sensing thoroughly discusses all the necessary elements of spatial, spectral, and temporal signature collection in the visible and infrared, including non-literal imagery interpretation, thermal, reflective, and polarimetric target characterization, radiative transfer, advanced technical intelligence collection systems, and data processing, analysis, and exploitation techniques. The textbook was authored and published with funding from the Riverside Research Independent Research and Development program.
About the Air Force Institute of Technology
The Air Force Institute of Technology, or AFIT, is the Air Force's graduate school of engineering and management as well as its institution for technical professional continuing education. A component of Air University and Air Education and Training Command, AFIT is committed to providing defense-focused graduate and professional continuing education and research to sustain the technological supremacy of America's air and space forces.
About Riverside Research
Riverside Research is a not-for-profit organization chartered to advance scientific research in the public interest and in support of the United States government. Comprised of leading engineering, technology, and operations experts, Riverside Research delivers trusted solutions in Biomedical Engineering, Cyber, Electromagnetic Sciences, and Intelligence, Surveillance, and Reconnaissance. These Centers of Excellence are supported by five integrated research laboratories that conduct independent and mission-focused research in critical technology areas. Originating as part of Columbia University in the 1950s and established as an independent corporation in 1967, Riverside Research remains dedicated to its academic heritage by working with colleges and universities from across the nation to advance science, technology, engineering, and math (STEM) through education, research, and workforce development. Learn more at http://www.riversideresearch.org.


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Cam Newton ran the New Orleans Saints out of their home stadium — figuratively and literally.
Minutes after Carolina's 41-10 rout Sunday afternoon, the majority of the Saints defense — more than two dozen players — was absent in the locker room, a drastic contrast to the normal postgame atmosphere.
That left the responsibility of explaining Newton's four-touchdown effort to the media to starting linebackers Curtis Lofton and Parys Haralson. Reserve linebacker Ronald Powell was also in the locker room, which opened to the media following coach Sean Payton's news conference.
"It's embarrassing," Lofton said. "We apologize to our fans. The coaches. Us as players, we take responsibility. We didn't take care of business. It was bad football today."
Newton passed for 155 yards and three scores and rushed for 83 yards on 12 carries and another score.
"I feel as if anybody could have ran it," Newton said, pleased with his effort. "There were no moves I made. I wasn't touched until I got in the secondary."
He was right.
Running back Jonathan Stewart averaged 7.8 yards a carry en route to 155 yards, his best outing since 2009. He also scored on a 69-yard run in the third quarter.
As a team, the Panthers (4-8-1) rushed for 271 yards (6.8 average).
Here's how bad the Saints run defense was Sunday: In the third quarter, Newton dropped a snap while in shotgun, fumbled around with it on the turf then, with no defenders near him, ran for 9 yards.
Later in the drive, Newton ran up the middle for 2 yards before ducking under a tackle. Fans thought he was injured, potentially putting an end to his torment of the Saints defense. Yet as soon as the cheers started, he popped up, ready to inflict more yardage.
He smiled and taunted the defenseless Saints defense and its crowd of 73,006 fans, laughing after scrambles and posing for his signature "Superman" TD celebration.
The later caused a melee that lasted more than 10 seconds in the second quarter. That was the most fight the Saints defense managed against Newton, and it still wasn't enough to stay in control of its playoff hopes, even in a weak NFC South.
"Our tackling was awful," Payton said. "If we would have kept going, they were going to get almost 300 yards rushing. It was awful."
Last time Newton faced the Saints, he left Bank of America Stadium with his worst performance as a pro. Now, it was Lofton leaving the Mercedes-Benz Superdome after an effort he deemed his franchise's worst since arriving in 2012.
Asked if he understood the reason behind Sunday's defensive performance, Lofton said, "I'd like to point to some, but I really can't. You just have to go out and do your job, and we didn't do that."
He did say the defense's chemistry isn't as good as it could be. The caveat is, Lofton said he's witnessed the effort and preparation at practices. It just has failed to carry over to game days.
Perhaps the real answer, like Payton always says, is in the game film.
Asked if teammates "gave up," in the second half, Lofton said: "Mmmm, you know, I can't speak to anyone else. I was just out trying to take care of my job. The film will say it all. If someone did quit, the film will say it."


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Bbt Insurance Services California Inc
Bbt Insurance Services Inc
Bbt Insurances Focus Plays Win
Bbt Investment Criteria
Bbt Investment Services Inc
Bbt Names Executive Management Team
Bbt Non- Negotiables
Bbt Not Able Successfully Integrate Bank Nonbank Mergers
Bbt Not Materially Affected Court Decision
Bbt Not Receive Regulatory Approvals Required Complete Bank
Bbt Overhang Run Rate
Bbt Positive Attitude
Bbt Posts 115 Loan Growth
Bbt Produces Positive Operating Leverage Driven Improved Expense
Bbt Produces Positive Operating Leverage Driven Improved Revenues
Bbt Produces Positive Operating Leverage Driven Strong Expense
Bbt Produces Strong Deposit Growth
Bbt Re-launches Brand Introduces New Tagline
Bbt Reaffirms Dividend Comment
Bbt Receives Recognition Online Account Opening System
Bbt Receives Strong Debt Ratings
Bbt Recognized Nationally Client Service
Bbt Recognized Nationally Home Mortgage Customer Service
Bbt Recognized Nationally Service Performance
Bbt Recognized Service Excellence Business Banking
Bbt Reduce Dividends Common Stock
Bbt Relies Other Companies Provide Key Components Business
Bbt Reports 2004 Net Income 156 463 Surpasses
Bbt Reports 2006 Net Income 153 Operating Earnings
Bbt Reports 2nd 2009 Net Income 208 Eps
Bbt Reports 3rd Net Income 4170
Bbt Reports Increase Earnings Net Income Totals 428
Bbt Reports Net Income 358
Bbt Reports Net Income 428 Earnings Per Share
Bbt Reports Net Income 444
Bbt Reports Record 2005 Net Income 165 Operating
Bbt Reports Record Net Income 458 Earnings Per
Bbt Values
Bbts Accounting Policies Methods Key Reports Financial Condition
Bbts Business Suffer Fails Attract Retain Skilled People
Bbts Chief Financial Officer Retire End
Bbts Eps Totals 113
Bbts Exchange Act Reports Contain Limited Financial Information
Bbts Fee Based Businesses Enjoy Strong Quarterly Growth
Bbts Fee Based Businesses Produce Solid Quarterly Annual
Bbts Fee Based Businesses Produce Solid Quarterly Growth
Bbts Fee Income Producing Businesses Enjoy Healthy Growth
Bbts Fee-based Businesses Enjoy Another Solid
Bbts Fee-based Businesses Enjoy Strong Quarterly Growth
Bbts Fee-based Businesses Produce Healthy Growth
Bbts Fee-based Businesses Produce Record Revenues
Bbts Fee-based Businesses Produce Solid Quarterly Growth Rates
Bbts Liquidity Impaired Inability Access Capital Markets Unforeseen
Bbts Net Income 204
Bbts Noninterest Income
Bbts Noninterest Income 112
Bbts Noninterest Income Reflects Mixed Results
Bbts Noninterest Revenue-producing Businesses Expand Through Acquisitions
Bbts Operating Efficiency Improves
Bbts Reported Financial Results Depend Managements Selection Accounting
Bbts Stock Price Volatile
Beneficial Ownership Reporting Compliance
Beneficiary Means Person Persons Entity Designated Determined Pursuant
Benefit Plans
Benefits Not Assignable Facility Payments
Binding Effect Agreement Shall Inure Benefit Employee His
Binding Effect Trust Shall Trustee Respective Successors Assigns
Board Director Executive Committee Service
Board Directors
Board Directors Recommends Vote Proposals 1234
Board Means Directors Bbt Purposes 221 Shall Also
Bonus Plan Payments
Borrowed Funds
Branch Bank-sc Bank-va Bbt Bankcard Corporation
Branch Locations
Brokered Deposits
Bundle Results
Business Combination
Business Combinations
Business Loan Lease Portfolio
Bylaws Proposed Amendment
Calculation Agent
Calculation Amount Due Fdic
Call Toll-free Vote 1-800-433-2279
Capital Adequacy Ratios Bbt Corporation Banks
Capital Adequacy Ratios Bbt Corporation Branch Bank
Capital Adequacy Ratios Bbt Corporation Principal Banking Subsidiaries
Capital Adequacy Resources
Capital Credit Markets Experienced Unprecedented Levels Volatility
Capital Levels Grow Significantly
Capital Levels Remain Strong
Capital Levels Remain Strong Following Successful Common Stock
Capital Levels Remain Very Strong
Capital Levels Remain Very Strong Tangible Common Equity
Capital Markets
Capital Markets Corporate Banking
Capital Ratios
Capital Securities
Capital Securities Guarantee
Capital Stock
Capital Strength
Capital Treatment Event
Capital-components Ratios
Capitalization Date
Cash Due Banks Federal Funds Sold Interest-bearing Deposits
Cash Equivalents
Cash Equivalents Segregated Due Banks
Cash Flow Hedges
Certificate Designations
Certificate Trust Bbt Capital
Certification Pursuant Usc 1350
Certification Pursuant Usc 1350 Adopted 906 Sarbanes-oxley Act
Challenges Opportunities
Change Control
Changes Accounting Principles Effects New Pronouncements
Changes Accounting Standards Materially Impact Bbts Financial Statements
Changes Banking Laws Material Adverse Effect Bbt
Changes Interest Rates Adverse Effect Bbts Profitability
Changes Internal Control Over Financial Reporting
Changes National Local Economic Conditions Lead Higher Loan
Chief Executive Officers 2004 Compensation
Chief Executive Officers 2005 Compensation
Citizens Bancorp
Citizens Bancorps Shareholders Approve Merger Bbt
Claim Procedures
Claims Creditors
Claims Procedure
Claims Suits
Client Deposit Growth Remains Excellent 288 Transaction Accounts
Client Deposit Growth Very Strong Balance Sheet Continues
Client Deposits Grow 135 Compared Last
Closing Date
Coastal Financial Acquisition Planned
Coastal Financial Corporation
Code 162 Performance-based Compensation
Codes Ethics
Colonial Bank Acquisition Increased Branch Banks Commercial Real
Combined Loan Deposit Growth Remains Healthy
Combined Loan Deposit Growth Remains Healthy Market Share
Combined Loan Deposit Growth Remains Strong
Commencement Benefits
Commencement Timing Distributions
Commercial Loan Lease Portfolio
Commercial Sales Management
Commercial Shared-loss Agreement
Commercially Reasonable Efforts
Commitments Contingencies
Committee Administers Plan Applied Shall Also Each Other
Committee Officers Subcommittee Members Shall Elect Chairman Acting
Common Cap
Common Control
Common Securities
Common Stock
Common Stock Dividends
Common Stock Issuance Cap
Communication Participants
Community Banking Locations
Compensation Committee
Compensation Committee Interlocks Insider Participation
Compensation Committee Report Executive
Compensation Consultant
Compensation Directors
Compensation Executive Officers
Compensation Philosophy
Competitive Benchmarking
Competitive Benchmarking Other Analyses
Completion Acquisition Disposition Assets
Compliance 162 Internal Revenue Code
Compliance Federal Reserve Rules
Compliance Laws Restrictions Awards Shares
Compliance Securities Exchange Act 1934 Rule 16b-3 Trading
Components Executive Compensation
Composition Securities Portfolio
Comprehensive Income
Comprehensive Income Loss
Computation Earnings Per Common Share
Computation Earnings Per Share
Condensed Income Statements
Condition Precedent
Consecutive Record Operating Earnings
Consent Independent Registered Public Accounting Firm
Consolidated Financial Statements
Construction Provisions Plan Shall Construed Enforced According Laws
Consulting Agreements
Consumer Loan Portfolio
Consumer Protection Laws
Continuation Participation Following Transfer Non-participating Affiliate
Continuing Cooperation
Continuing Directors Terms Expiring 2006
Continuing Directors Terms Expiring 2007
Contractual Commitments
Contractual Obligations Commitments Contingent Liabilities Off-balance Sheet Arrangements
Contractual Obligations Commitments Contingent Liabilities Off-balance Sheetarrangements Related
Contractual Obligations Commitments Contingent Liabilities Off-balancesheet Arrangements
Contractual Obligations Commitments Contingent Liabilities Off-balancesheet Arrangements Related
Contractual Obligations Other Commitments
Contribution Plan Highly Compensated Employees
Controlled Group
Controls Procedures
Convertible Securities
Core Asset Quality Remains Healthy
Core Deposit Intangible
Core Net Interest Margin Improves 368
Corporate Governance
Corporate Governance Guidelines
Corporate Governance Matters
Correction Errors Omissions Other Liabilities
Cost Interest Bearing Deposits Peer Comparison
Counsel Delaware Trustee
Counterparts Agreement Executed Each Shall Deemed Original Together
Covenants Employee
Covenants Subordination
Covered Debt
Covered Debtholder
Cpp Participation
Crc Insurance Services Inc
Credit Quality
Credit Ratings Bbt Corporation Branch Bank
Credits Account
Criteria Listed Order Importance Sometimes Trade-offs Among Bbt
Critical Accounting Policies
Current Criteria
Current Share Limitations
Current Stock Market Price
Dated 2006
Dated 2008
Dated 2009
Death Prior Commencement Payment
Decision Review Claim Denied Whole Part Plan Administrator
Declaration Amendment Bbt Corporation Non-employee Directors Deferred Compensation
Declaration Amendment Bbt Corporation Non-qualified Defined Contribution Plan
Deemed Investments Adjustment Accounts
Deepening Relationships Through Bundling
Deferral Election Form Means Executed Participant Pursuant Provisions
Deferral Election Form Means Including Electronic Telephonic Other
Deferral Feature Sar Shall Allow Compensation Within Meaning
Deferral Period
Deferred Compensation Plan
Deferred Compensation Trust
Deferred Taxes
Defined Contribution Plan
Defined Contribution Plans
Defined Terms
Definitions Appendix
Definitions Construction
Definitions Wherever Used Agreement Including Not Limited Recitals
Delaware Act
Delaware Trustee
Delivering Bbts Value Promise
Delivery Proxy Materials
Departure Directors Certain Officers Election Appointment Compensatory
Departure Directors Principal Officers Election Appointment
Deposit Insurance Assessments
Deposit Liabilities
Deposit Repayment Amount
Depository Institution Subsidiary8221
Deposits Grow Compared Last Bbt Gains Deposit Market
Deposits Other Borrowings
Derivative Financial Instruments
Designation Principal Amount Authorized Denomination
Determination Cmt Rate
Determination Commercial Paper Rate
Determination Euribor
Determination Federal Funds Rate
Determination Libor
Determination Prime Rate
Determination Rate
Determination Treasury Rate
Determination Useful Life Intangible Assets
Determining Fair Value Financial Asset Market Not Active
Determining Fair Value Volume Level Activity Asset Liability
Differences Interpretation Tax Laws Regulations Adversely Impact Bbts
Direct Retail Loan Portfolio
Director Election Majority Vote Standard Proposal
Director Independence
Director Nominations
Director Option Program
Disability Benefits
Disclosures Credit Derivatives Certain Guarantees Amendment Fasb Statement
Disclosures Derivative Instruments Hedging Activities-an Amendment Sfas 133
Disclosures Fair Value Financial Instruments
Discretionary Credits
Dispute Resolution
Dispute Resolution Procedures
Disruptions Financial Markets Affect Bbt
Dissolution Election
Dissolution Liquidation Merger
Distribution Agreement
Distribution Date
Distribution Election Form Means Including Electronic Telephonic Other
Distribution Period
Distributions Redemption
Dividend Equivalents
Dividend Other Payment Stoppages
Dividends Dividend Equivalents
Dramatically Improved Cross-sell Ratios 2008 Account Opening Existing
Dtc Agreement
Duties Assuming Bank
Duties Assuming Bank Respect Shared-loss Assets
Duties Assuming Bank Respect Shared-loss Securities
Duties Respect Depositors Failed Bank
Early Stage Delinquencies Charge-offs Stable Nonperforming Assets Increase
Earnings Per Common Share Total 271
Earnings Per Share Total
Earnings Webcast
Earnings Webcast Quarterly Performance Summary
Economic Value Equity Eve Simulation Analysis
Economic Vitality Map
Economy 2009
Eesa Arra Tax Accounting Considerations
Effect Recitals
Effect Termination
Effective 2001
Effective Date Term
Efficiency Ratio Drivers
Election Defer
Eligibility Participation
Eligibility Participation Deferrals
Eligibility Post-disability Retirement Benefit Participant Becomes Disabled Prior
Eligible Debt
Eligible Proceeds
Eligible Senior Debt
Eligible Subordinated Debt
Emergency Economic Stabilization Act 2008
Employers Disclosures Postretirement Benefit Plan Assets
Employment Agreement
Employment Agreements
Eneral Estrictions
Entry Date Means Each Plan Special Circumstances Such
Entry Material Definitive Agreement
Equity Compensation Plan Information
Equity-based Compensation
Equity-based Compensation Plans
Establishment Medium-term Program
Establishment Purpose
Establishment Purpose Plan
Establishment Purposes Plan
Establishment Trust
Estimates Preparation Financial Statements
Evaluation Disclosure Controls Procedures
Events Default
Events Default Acceleration
Exact Name Registrant Specified Charter
Exchange Act
Execution Time
Execution Version
Executive Officers Bbt
Executive Overview
Executive Sessions
Executive Summary
Exercise Options
Exercise Sars
Expense Management
Expenses Increase Due Fdic Insurance Premiums Acquisitions Credit
Expenses Increase Due Increased Fdic Insurance Premiums Credit-related
Expiration Time
Extension Interest Payment Period
Extent Set Forth Rospectus Upplement
Face Debenture
Fair Market Value
Fair Value Financial Instruments
Fair Value Hedges
Fair Value Measurements
Fair Value Option Financial Assets Liabilities-including Amendment Fasb
Fdic Loss Share Indemnification Asset
Fdic Mortgage Loan Modification Program
Fdic-assisted Acquisition Certain Assets Liabilities Colonial Bank
Federal Deposit Insurance Corporation
Federal Funds Purchased Securities Sold Agreements Repurchase Other
Federal Funds Purchased Securities Sold Repurchase Agreements Short-term
Federal Income Tax Consequences
Federal Income Tax Considerations Consistent Purpose Plan Recited
Federal Reserve
Fees Auditors
Final Repayment Date
Financial Condition
Financial Data
Financial Holding Regulation
Financial Institution Acquisitions
Financial Services
Financial Services Accomplishments
Financial Services Industry
Financial Statements
Financial Statements Businesses Acquired Exhibits
Financial Statements Exhibits
Financial Summary
Fixed Floating Rate Capital Securities
Fixed Floating Rate Junior Subordinated Debentures
Fixed Rate Notes
Following 316a Hereby Added Employment Agreement After 316
Following Table Provides Certain Information 2008 Respect Bbts
Forecast 2010 2014
Foreclosure After Covered Loan Mod
Foreclosure Occurred Prior Loss Share Agreement
Form Common Securities Certificate
Form Debenture
Form Global Capital Securities Certificate
Form Junior Subordinated Debenture
Form Junior Subordinated Debentures
Form Notice Exercise
Form Opinion
Form Opinion Frances Jones Esq
Form Opinion Shipman Goodwin Llp
Form Opinion Squire Sanders Dempsey Llp
Form Payment
Form Syndicated Terms Agreement
Form T-1
Form Waiver
Form Warrant Purchase Common Stock
Forward-looking Information
Forward-looking Statements
Funding Activities
Further Assurances
Future Laws Regulations Governmental Programs
Fy-end Option Values
General Business Development
General Compensation Philosophy Guiding Principles
General Compensation Philosophy Guiding Principles Setting Process
General Information
General Provisions
General Restrictions
General Terms Conditions Debentures
Global Economic Context
Global Fixed Rate
Global Floating Rate
Global Original Issue Discount Coupon
Global Original Issue Discount Fixed Rate
Goodwill Other Assets
Goodwill Other Intangible Assets
Governing Law
Governmental Entities
Grew Net New Transaction Accounts 94012
Growth Rate Nonperforming Assets Slows Early Stage Credit
Growth Results
Guarantee Agreement
Guarantee Trustee
Headings Paragraphs Sections Herein Included Solely Convenience Reference
Headings Subheadings Plan Been Inserted Convenience Reference Ignored
Held 2005
Held 2006
Held 2007
Held 2008
Held 2009
Hierarchy Generally Accepted Accounting Principles
Hierarchy Generally Accepted Accounting Principles-a Replacement Fasb Statement
Highly Compensated Employees
Hispanic Market
Holders Counsel
Http Fdic01prodfdicgov Division Dsc Tech Apps Alert Doc
Immediate Release
Impact Federal Bank Regulatory Agencies Assessment Bbts Capital
Impact Inflation Changing Interest Rates
Important Notice Regarding Availability Proxy Materials Shareholder Meeting
Incentive Compensation Credits
Incentive Compensation Credits Means Amounts Credited Participants Account
Incentive Stock Awards
Income Taxes
Indenture Trustee
Independent Registered Public Accounting Firm 2005
Independent Registered Public Accounting Firm 2006
Independent Registered Public Accounting Firm 2007
Independent Registered Public Accounting Firm 2008
Independent Registered Public Accounting Firm 2009
Index Exhibits
Index Financial Statements
Indicate Check Whether Registrant Large Accelerated Filer Non-accelerated
Indicate Check Whether Registrant Shell Defined Rule 12b-2
Individual Line Balance Sheet
Individuals Delivering Lock-up Agreements
Initial Covered Debt
Initial Number
Insert Applicable
Institution Possible
Institutional Services
Insurance Industry Market Conditions
Insurance Other Nonbank Acquisitions
Insurance Services
Insurance Services Financial
Intangible Assets
Intent-based Replacement Disclosure
Interest Deferral
Interest Payment Date
Interest Period
Interest Rate Derivatives
Interest Sensitivity Simulation Analysis
Interim Asset Servicing Arrangement
Internal Control Over Financial Reporting
Investment Activities
Investment Advisory Business
Investment Banking Brokerage
Investment Event
Investment Funds
Investment Securities
Investment Trust Fund
Issuance Sale 570 Senior Notes Due 2014 685
Issuer Filed Registration Statement Including Pricing Supplement Prospectus
Issuer Free Writing Prospectus
Joint Several Obligations Extent Permitted Applicable Law Employer
Junior Stock
Junior Subordinated Debenture
Junior Subordinated Debentures
Junior Subordinated Debt Unconsolidated Trusts
Key Executives
Key Strategic Objectives
Largest Depository Institution Subsidiary
Laws North Carolina Govern Trust Shall Governed Construed
Legal Proceedings
Legislative Regulatory Actions Taken Now Future Address Current
Lending Activities
Letter Agreement
Letterhead Womble Carlyle Sandridge Rice Pllc
Leveraging Advantages
Libor Determination Date
Limitation Claims Event Bankruptcy Insolvency Receivership
Limitations Repayment Redemption Purchase Securities
Liquidity Capital Resources
List Attached Schedule Subschedule Information Therein Bank Closing
List Loans Sold
Loan Growth Accelerates 106
Loan Growth Accelerates 131
Loan Growth Continues Robust 108
Loan Growth Remains Healthy
Loan Securitizations
Loan Servicing
Loan Syndications
Loans Executive Officers Directors
Loans Held Sale
Loans Leases
Loans Receivable Held Sale
London Business
Long-term Debt
Long-term Incentive Awards
Long-term Incentive Performance Ltip Awards
Long-term Incentive Plan-awards Last
Loss Sharing Agreement Fdic Indemnification Asset
Loss Tranche
Loss-sharing Notices Given Corporation Receiver
Loss-sharing Notices Given Receiver Purchaser
Main Street Banks Inc Msbk
Maintaining Increasing Bbts Market Share Depend Lowering Prices
Major Nonbank Subsidiaries
Major Subsidiary Depository Institution
Make-whole Redemption Price
Managements Discussion Analysis
Managements Report Internal Control Over Financial Reporting
Mandatorily Convertible Preferred Stock
Mandatory Trigger Provision
Market Area
Market Characteristics
Market Developments Adversely Affect Bbts Industry Business Results
Market Disruption Event
Market Place Deposits
Market Price
Market Risk Management
Market Value
Matching Credits
Material Adverse Effect
Material Modification Rights Security Holders
Maximum Share Number
Mcgriff Seibels Williams Inc
Meaning Present Fairly Conformity Generally Accepted Accounting Principles
Measurement Period
Merged Been Acquired
Merger Criteria Results
Merger Strategy
Merger-related Restructuring Activities
Merger-related Restructuring Charges
Mergers Acquisitions Completed 2004
Mergers Acquisitions Completed 2005
Mergers Acquisitions Completed 2006
Mergers Acquisitions Completed 2007
Mergers Acquisitions Completed 2008
Mergers Pending 2006
Miscellaneous Provisions
Modification Process
Modification Supplemental Indenture
Modification Waivers
Mortgage Banking
Mortgage Loan Portfolio
Mortgage Servicing Rights
Most Bbts Outstanding Stock Option Grants Underwater Corporations
Myrtle Beach South Carolina
Name Person Filing Proxy Statement Other Registrant
Narrative 2006 Director Compensation Table
Narrative 2006 Grants Plan-based Awards Table
Narrative 2006 Non-qualified Deferred Compensation Table
Narrative 2006 Pension Benefits Table
Narrative 2006 Summary Compensation Table
Narrative 2007 Director Compensation Table
Narrative 2007 Grants Plan-based Awards Table
Narrative 2007 Non-qualified Deferred Compensation Table
Narrative 2007 Pension Benefits Table
Narrative 2007 Summary Compensation Table
Narrative 2008 Director Compensation Table
Narrative 2008 Grants Plan-based Awards Table
Narrative 2008 Non-qualified Deferred Compensation Table
Narrative 2008 Pension Benefits Table
Narrative 2008 Summary Compensation Table
National Bank Director Qualification Standard
Nature Operations
Net Income Reportable Segments
Net Interest Income
Net Interest Income 127
Net Interest Income Margin
Net Interest Margin Improves 354
Net Interest Margin Improves 365
Net Interest Margin Improves 366
Net Interest Margin Improves 368 Colonial Transaction Outlook
Net Interest Margin Improves 380 Income 245 Outlook
Net Liabilities Assumed
Net New Checking Accounts
New Plan Benefits
Nominees Election Directors One-year Term Expiring 2008
Nominees Election Directors One-year Term Expiring 2009
Nominees Election Directors Three-year Terms Expiring 2008
Non-book-entry Capital Securities
Non-employee Director Means Bbt Active Member Board Directors
Non-employee Directors
Non-employee Directors Deferred Compensation Stock Option Plan
Non-loss Share Assets
Non-participating Affiliates
Non-qualified Deferred Compensation
Non-qualified Deferred Compensation Trust
Non-qualified Defined Contribution Plan
Noncompetition Confidentiality
Noncontrolling Interests Consolidated Financial Statements-an Amendment Arb
Nonforfeitability Accounts
Nonforfeitability Supplemental Pension Benefits
Noninterest Expense
Noninterest Expenses Decline Reflecting Disciplined Expense Management
Noninterest Expenses Decrease Reflecting Further Improvement Efficiency
Noninterest Expenses Increase Due Additional Credit Costs Fdic
Noninterest Income
Noninterest Income Increases Record Mortgage Banking Results
Noninterest Income Reflects Increase
Noninterest Revenues Increase 187 Mortgage Banking Revenue 735
Noninterest Revenues Increase 202 Led Mortgage Banking Revenue
Noninterest-earning Assets
Nonperforming Assets
Nonperforming Assets Credit Losses Affected Economic Conditions
Nonperforming Assets Credit Losses Increase
Nonperforming Assets Credit Losses Increase Response Economic Conditions
Notes Foreclosure
Notes Restructuring
Notes Short Sale
Notice Depositors
Notice Repayment
Now Therefore
Now Therefore Consideration Premises Mutual Independent Promises Herein
Number 1-10853
Number 1-10853 Bbt Corporation Exact Name Registrant Specified
Nyse Certification
Occupancy Costs
Office Thrift Supervision Regulation
Omnibus Stock Incentive Plan
Ompensation Enefits
Operating Earnings Available Common Shareholders
Operating Earnings Per Share Total
Operating Efficiency
Operating Results Cash Flows
Operating Segments
Operational Risk Management
Option Exercises Stock Vested 2006
Option Exercises Stock Vested 2007
Option Exercises Stock Vested 2008
Option Grants Last
Option Means Right Purchase Shares Bbt Common Stock
Option Plan
Option Purchase
Optional Deferral Provision
Ordinary Cash Dividends
Organizational Structure
Original Issue Debentures
Original Warrantholder
Originally Reported Increase
Other Acquisitions
Other Business
Other Deferred Compensation Arrangements
Other Employee Benefits
Other Events
Other Interest Earning Assets
Other Interest-earning Assets
Other Real Estate Owned
Other Regulatory Matters
Other Safety Soundness Regulations
Outcome Financial Industry Trends
Overall Pay-for-performance Executive Compensation Program
Overview Executive Compensation Program
Overview Neo Compensation Program
Parent Reconciling
Pari Passu
Parity Securities
Parity Stock
Part Other Information
Participating Affiliates
Participating Employers
Participation Employees Non-participating Affiliates Not Previously Entered Plan
Participation Treasurys Capital Purchase Program
Parties Plan
Paying Agent
Payment Account
Payment Benefits
Payment Benefits Reasons Other Death
Payment Benefits Separation Service
Payment Benefits Termination Service
Payment Commencement Date Post-disability Retirement Benefits
Payment Commencement Date Supplemental Post-disability Pension Benefits
Payment Dividends
Payment Provision
Payments Principal Interest
Payments Respect Shared-loss Assets
Pending Mergers
Pension Benefits
Pension Plan
Pension Postretirement Benefit Obligations
Per Share Data
Per Share Fair Market Value
Performance Awards
Performance Based Restricted Stock Units Earned
Performance Graph
Performance Management
Performance Unit Award Agreement
Permitted Remedies
Permitted Transactions
Perquisites Practices
Phantom Stock Award Participant Number Hypothetical Share Units
Phantom Stock Awards
Piggyback Registration
Place Live
Plan Administrator
Plan Benefits
Plan Means Bbt Amended Restated Non-employee Directors Deferred
Please Detach Here Not Voting Telephone Internet
Policy Accounting Legal Complaints
Portfolio Performance Summary Schedule
Portfolio Sale
Positioning People
Postretirement Benefits Other Pension
Potential Payments Termination Change Control
Powers Duties Rights Guarantee Trustee
Powers Trustee
Pre-retirement Survivor Benefits
Preceeding Loan Mod Loss Share
Preferred Cap
Preferred Shares
Preferred Stock
Preferred Stock Issuance Cap
Preliminary Prospectus
Premises Equipment
Prepayment Debentures
Previously Disclosed
Pricing Disclosure Package
Pricing Prospectus
Pricing Term Sheet
Principal Amount Indenture Purposes
Principal Banking Subsidiary
Principles Consolidation
Prior Acquisition Colonial Bank Was Subject Several Regulatory
Pro Forma Profile
Pro Rata
Pro Rata Repurchases
Proceedings Respect Certain Assets Liabilities
Processing Request Payment Approved Such Shall Soon Thereafter
Profitability Measures
Proposal 1-election Directors
Proposal 3-election Directors
Proposal 5-shareholder Relating Majority Voting
Proposal Approval Advisory Regarding Bbts Overall Pay-for-performance Executive
Proposal Approval Amendments Bbt Corporation 2004 Stock Incentive
Proposal Approval Amendments Corporations Amended Restated 2004 Stock
Proposal Election Directors
Proposal General Background
Proposal Ratification Pricewaterhousecoopers Llp Independent Registered Public Accounting
Proposal Shareholder Relating Majority Voting
Proposals 2006 Annual Meeting
Proposals 2007 Annual Meeting
Proposals 2008 Annual Meeting
Proposals 2009 Annual Meeting
Proposals 2010 Annual Meeting
Proposed Amendments 2004 Stock Plan
Proprietary Rights
Prospectus Supplement
Provided Further
Provided However
Provision Credit Losses
Provision Income Taxes
Proxy Solicited Board Directors Bbt Corporation
Purchase Agreement
Purchase Assets
Purchase Closing
Purchase Price
Purchase Price Allocation
Purchaser Wiring Instructions
Purpose Eligibility
Purposes Sections 1273 1275 Internal Revenue Code Amount
Puts Assets Receiver
Qualified Equity Offering
Qualifying Capital Securities
Qualifying Mortgage Loans
Qualifying Plans Effective
Qualifying Preferred Stock
Qualifying Replacement Capital Covenant
Qualifying Warrants
Quantitative Qualitative Disclosures Market Risk
Quarterly Summary Market Prices Cash Dividends Paid Common
Quorum Votes Required
Rate Interest Payment Dates
Ratification Indenture
Rating Agency
Rating Agency Event
Rationale Acquisition
Reasons Amendment
Receiver Corporation
Recognition Liabilities Connection Purchase Business Combination
Recognition Presentation Other-than-temporary Impairments
Record Date Shares Outstanding
Redemption Debentures
Redesignation Date
Registrable Securities
Registrants Telephone Number Including Area Code
Registration Expenses
Registration Statement
Registration Transfer
Regular Record Date
Regulation Disclosure
Regulatory Agreement
Regulatory Approvals
Regulatory Capital Ratios Preliminary
Regulatory Considerations
Related Junior Lien Mortgage Loans
Related Loans
Related Party Transactions
Related Person Transactions Policy Procedures
Relative Financial Performance
Remainder Page Intentionally Left Blank
Removal Remove Trustee Without Cause Least Notice Writing
Repayment Date
Repayment Debentures
Replacement Capital Covenant
Replacement Capital Securities
Report Independent Registered Public Accounting Firm
Representation Date
Representations Warranties
Representations Warranties Assuming Bank
Repurchase Restriction
Reserve Policy Methodology
Residential Mortgage Banking
Resolved Shareholders Approve Bbts Overall Pay-for-performance Executive Compensation
Respect Notice
Respective Retirement Dates
Responsibility Committee Action Trustee Assumes Obligation Respect Required
Restricted Awards
Restricted Stock Unit Agreement
Restricted Stock Unit Agreement Performance Vesting Component
Restriction Period
Results Operations Financial Condition
Results Risk Management Strategy
Results Transaction
Results Transaction Assuming Shareholders Elect 100 Stock
Retail Commercial
Retail Consultative Concepts
Retail Sales Management
Retention Repurchase Assets Essential Receiver
Retirement Allison Chalk
Retirement Benefit
Retirement Benefits
Retirement Chalk
Retirement Plans
Reuters Screen Libor01 Page
Reverse Security
Revolving Credit Loan Portfolio
Rider Master Global Dated
Risk Factors
Risk-based Capital Ratios Preliminary
Rule 16b-3 Trading Restrictions
Rule 415
Rule 430a Information
Rules Regarding Administration Shared-loss Assets Securities
Salary Reduction Credits
Sales Finance
Sales Finance Loan Portfolio
Sarbanes-oxley Act 2002
Savings Plan Means Bbt Corporation 401 Amended Restated
Schedule Accounts Excluded Calculation Deposit Franchise Bid Premium
Schedule Certain Liabilities Assumed Assuming Bank
Schedule Excluded Deposit Liability Accounts
Schedule Purchase Price Assets
Schedule Removed Not Completed
Scheduled Maturities Time Deposits 100000 Greater
Scheduled Maturity Date
Scott Stringfellow Financial Inc Deferral Plan
Securities Act
Securities Exchange Act 1934
Securities Purchase Agreement
Securities Registered Pursuant Exchange Act 1934
Securities Registrar
Securities Registrar Paying Agent Delegation Trustee Duties
Securities Sold Repurchase Agreements
See Attached List
See Following Page
Segment Results
Selection Debentures Repaid
Selling Expenses
Senior Debt
Senior Executive Officers
Senior Indebtedness
Service Charges Deposits
Settlement Award Distribution Shares
Severability Agreements Covenants Contained Agreement Severable Event Them
Severability Provision Plan Shall Held Illegal Invalid Reason
Severability Provision Trust Prohibited Law Shall Ineffective Extent
Severability Provisions Contained Plan Shall Severable Event Them
Severance Benefits
Share Dilution Amount
Share Ownership Directors
Share Ownership Directors Executive Management
Share Repurchase Activity
Share Repurchases
Shared-loss Arrangement
Shared-loss Loans
Shared-loss Securities
Shareholder Communications Board
Shareholder Interested Party Communications Board
Shareholder Vote Required
Shareholders Equity
Shares Registrants Common Stock Par Value
Shares Subject Plan Award Limitations
Shelf Registration Statement
Short Sale After Covered Loan Mod
Signature Page Follow
Signature Page Follows
Significant Accomplishments 2004
Significant Accomplishments 2005
Significant Accomplishments 2006
Significant Accomplishments 2007
Significant Accomplishments 2008
Significant Litigation Material Adverse Effect Bbt
Significant Subsidiary
Signing Date
Single Family Shared-loss Agreement
Sinking Funds
Solid Growth Noninterest Income
Soundness Other Financial Institutions Adversely Affect Bbt
Special Counsel Offerors
Special Provisions
Special Provisions Prior Plans
Special Provisions Relating Capital Accumulation Plan Eligible Key
Special Provisions Relating Scott Stringfellow Inc Financial Deferral
Special Provisions Relating Southern National Esop Excess Plan
Special Provisions Relating Supplemental Retirement Benefit Prior Plan
Special Registration
Specialized Lending
Specialized Lending Portfolio
Specific Language Changes Employment Agreement
Specified Employee Means Within Meaning 409a Identification Policy
Statement Board Directors Opposition Shareholder Proposal
Statement Purpose
Stock Appreciation Rights
Stock Incentive Plan
Stock Means Par Value Common Fund Bbt Corporation
Stock Ownership
Stock Plan Proposals
Stockholder Proposals
Strategically Compelling Financially Attractive Transaction Enhances Bbts Franchise
Strong Balance Sheet Growth
Submission Matters Vote Security Holders
Subsequent Events
Successful Acquisitions
Successors Assigns
Such Securities
Summary 2004 Stock Plan
Summary Analysis Supporting Conclusions
Summary Compensation Table
Summary Completed Mergers Acquisitions
Summary Description Bonus Plan
Summary Significant Commitments
Summary Significant Lending Commitments
Summary Terms
Superior Balanced Performance
Supervisory Event
Supplemental Defined Contribution
Supplemental Executive Retirement Plan Serp
Supplemental Indenture
Supplemental Pension Benefits
Supplemental Post-disability Pension Benefits
Survivor Benefits
Table 8-1 Interest Sensitivity Simulation Analysis
Table 8-2 Economic Value Equity Eve Simulation Analysis
Table Annualized Profitability Meas Ures
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Table Bbt Corporation Net Income Reportable Segments
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Table Composition Average Deposits
Table Composition Average Loans Leases
Table Contents
Table Interest Sensitivity Simulation Analysis
Table Share Repurchase Activity
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Targeted Annual Cost Savings 246 Approximately Main Streets
Targeted Annual Cost Savings Approximately Citizens Expense Base
Targeting Small Businesses
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Termination Date
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Terms Expiring 2007 Proposal Approved
Terms Transaction
Timing 2005 Deferrals Compliance 409a
Timing Duration Elections
Tness Eth
Top Large Markets
Total Revenues Increase 127 Led Mortgage Banking
Traits Outstanding Achievers
Transactions Affiliates
Transfer Overfunded Assets
Transfer Records
Treasury Dealer
Treasury Departments Investment Bbt Imposes Restrictions Obligations Limiting
Treasury Price
Treasury Rate
Treasury Security
Treat Client Individual
Trust Agreement
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Trust Material Adverse Effect
Trust Obligation Pay Benefits Plans Accounts
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Trust Services
Unconditional Right Holders Receive Principal Premium Interest
Unconditional Right Holders Receive Principal Premium Interest Direct
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Underwriting Approach
Unforeseeable Emergency Payments
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United States
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Usa Patriot Act
Vacating Premises
Valuation Mortgage Servicing Rights
Venture Capital Investments
Vested Accrued Benefits Payable Termination
Vesting Interest Participant His Deferred Compensation Account Shall
Vesting Performance Awards Subject Terms Plan Administrator Shall
Vesting Phantom Stock Awards Subject Terms Plan Administrator
Voting Methods
Warrant Shares
Weakness Markets Residential Commercial Real Estate Including Secondary
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Job Description
• To assist with expertise in supporting the Infrastructure environment in Asia-Pacific region.
• Monitor and resolve calls in a call management system in accordance with SLA.
• Provide superior customer service to internal and external clients.
• Co-ordinates with supporting vendors and external organizations.
• Ensure that support queries are properly documented and reviewing them for adverse developing trends.
• Report all work in progress to Management on a weekly basis in a presentable and concise format.
• Produces required reports for infrastructure environment cost accounting.
• Provides status updates and feedback to Project owners, management, and or team participants
• Perform preventative maintenance on a daily and weekly basis, encompassing servers, networks and applications. This involves monitoring and resolving IR related issues to prevent large-scale problems.
• Document systems and procedures in order to improve maintenance and infrastructure support.
• Complete systems audits within Asia-Pacific and update CMDB as necessary.
• Ensure compliance with standards, methods and procedures as defined by MVCI management or industry standards
• Helps maintain hardware and software inventory of MVCI infrastructure equipment.
• Helps to promote continuous improvement standards as related to the work environment.
• Assist with projects which include server set-up, installation and configuration, new application/server testing and rollout, as well as improving our systems and infrastructure.
• New Server Hardware & Software Installation – Accept the delivery & configure and install hardware and software as required in a timely manner.
• The Support Analyst will be required to perform basic application training to Associates within MVCI IR Asia-Pacific group. Typically this will be informal one to one training following the upgrade of a system.
• Minimum Diploma or Bachelor Degree in Information Technology
• Professional qualifications such as ITIL v2, or v3 Foundation is preferred
• Minimum 2 years of professional experience in a similar or related area
• Familiar with a variety of the field's, concepts, best practices, and procedures
• Ability to work to deadlines, with strong organisational skills
• Able to build and maintain excellent rapport with all levels of associates
A team player with ability to collaborate with senior management, functional departments and external partners
Motivated self-starter, resourceful and independent
Strong analytical and problem-solving.
Well-organised and capable of managing multiple priorities effectively
Strong business integrity and holds sensitive information in confidence
• Understands and possesses the ability to work in a multi-cultural environment
If you believe you are the one we are seeking, we also look forward to receiving your cover letter and resume giving full details of qualifications, experience as well as current and expected salary at:
Email: [email protected]
We regret that only short-listed candidates will be notified.


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Is Carterton a safe and decent place to live?
Is Carterton a safe area? What is the community like? I have a job offer in Carterton but am worried about the safety as well as leisure life as I could not find much information about shopping/dining etc. in Carterton? Thus, I am thinking of Witney at the same time. Which one in your opinion is better?
Asked on Mar 9 2017, Safety & Crime in Carterton | Report content
Answers (1)
Hello - Hopefully someone local to Carterton will be able to to give you something more definitive - but, in the mean time, if you Google "Property Wizza 2.0", "Property Detective", "Street Check", "Find a Hood" and "UK Local Area" you should find some useful information. Best of luck with your new job
Web reference: https://www.zoopla.co.uk/Answered on Mar 9 2017, Report content
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text:
Vojta's refinement of the subspace theorem
Author: Wolfgang M. Schmidt
Journal: Trans. Amer. Math. Soc. 340 (1993), 705-731
MSC: Primary 11J13; Secondary 11J61, 11J68
DOI: https://doi.org/10.1090/S0002-9947-1993-1152325-3
MathSciNet review: 1152325
Full-text PDF
Abstract | References | Similar Articles | Additional Information
Abstract: Vojta's refinement of the Subspace Theorem says that given linearly independent linear forms in variables with algebraic coefficients, there is a finite union of proper subspaces of , such that for any the points with (1) lie in , with finitely many exceptions which will depend on . Put differently, if is the set of solutions of (1), if is its closure in the subspace topology (whose closed sets are finite unions of subspaces) and if consists of components of dimension , then . In the present paper it is shown that is in fact constant when lies outside a simply described finite set of rational numbers.
More generally, let be an algebraic number field and finite set of absolute values of containing the archimedean ones. For let be linear forms with coefficients in , and for with height define by where the are the local degrees. The approximation set consists of tuples such that for every neighborhood of the points with are dense in the subspace topology. Then is a polyhedron whose vertices are rational points.
- [1] Hans Peter Schlickewei, Die 𝑝-adische Verallgemeinerung des Satzes von Thue-Siegel-Roth-Schmidt, J. Reine Angew. Math. 288 (1976), 86–105 (German). MR 0422166, https://doi.org/10.1515/crll.1976.288.86
- [2] Wolfgang M. Schmidt, Norm form equations, Ann. of Math. (2) 96 (1972), 526–551. MR 0314761, https://doi.org/10.2307/1970824
- [3] Wolfgang M. Schmidt, Diophantine approximation, Lecture Notes in Mathematics, vol. 785, Springer, Berlin, 1980. MR 568710
- [4] J. H. Silverman, The arithmetic of elliptic curves, Graduate Texts in Math., Springer, 1985.
- [5] Paul Vojta, A refinement of Schmidt's subspace theorem, Amer. J. Math. 111 (1989), no. 3, 489–518. MR 1002010, https://doi.org/10.2307/2374670
- [1]
- H. P. Schlickewei, Die -adische Verallgemeinerung des Satzes von Thue-Siegel-Roth-Schmidt, J. Reine Angew. Math. 288 (1976), 86-105. MR 0422166 (54:10158)
- [2]
- W. M. Schmidt, Norm form equations, Ann. of Math. 96 (1972), 526-551. MR 0314761 (47:3313)
- [3]
- -, Diophantine approximation, Lecture Notes in Math., vol. 785, Springer, 1980. MR 568710 (81j:10038)
- [4]
- J. H. Silverman, The arithmetic of elliptic curves, Graduate Texts in Math., Springer, 1985.
- [5]
- P. Vojta, A refinement of Schmidt's Subspace Theorem, Amer. J. Math. 111 (1989), 489-511. MR 1002010 (90f:11054)
Retrieve articles in Transactions of the American Mathematical Society with MSC: 11J13, 11J61, 11J68
Retrieve articles in all journals with MSC: 11J13, 11J61, 11J68
Additional Information
DOI: https://doi.org/10.1090/S0002-9947-1993-1152325-3
Keywords: Simultaneous approximation to algebraic numbers, Subspace Theorem, subspace topology
Article copyright: © Copyright 1993 American Mathematical Society


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Apart from the fact that the promises of God are also for the Gentiles, (the unbelievers) when they repent and accept Christ. It is important to know that a "Christian" without Christ won't get much out of life. It is the fact that Christ lives in us that gives us hope. The Bible says in John 1:3 that through Christ all things were made. So don't think you can do anything yourself.
The secret to Christians walking in purpose and living fulfilled lives, is Christ in them, take Christ out of the equation and they are worthless creatures. God has so much in store for us because Christ died for us and we get the revelation from His word and Christ is the word. Without Christ, woman of God, you can do NOTHING. Let that sink in. God allows us to share His glory because the gentiles which are the unbelievers to know that the secret is Jesus. Jesus is our secret!
I want us to be more determined to know this God intimately, to be totally dependent on Him, to not go on thinking we can do life ourselves, because we can't. Jesus is our hope. Have you seen a suckling new born baby? Their mother is their hope of survival, if that mother abandoned them and no one came to help, they will die. That is how we ought to depend on God and even more. I pray that you depend so much on God that He becomes the very air you breathe!
Prayer: Jesus, You alone are my only hope, thank You for dying on the cross for me, thank You for counting me worthy enough to share in Your glory, lord help me understand that I can do nothing without You, let my heart beat for You, pour upon me afresh the spirit of love for You , Lord. In Jesus' name, Amen!


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the struggle
Currently there is something I am dealing with... something that I am not really wanting to make public quite yet :) so bare with me as I share but don't share! What I do want to share is the process, the long term effect that loss has on a person, at least what the effect has been on me and I am sure I am not alone! or at least thats my hope :)
There are things, events, that happen in life that I can only compare to as trying to hold sand in open fingers .... it's impossible to control. I like control! I love to be in the drivers seat even when I am in the passenger seat. I am a planner... I love to know the details, I love to plan the details and I love to feel that I know what, when and how things are going to happen.
Not knowing sucks.
When you have experienced the floor falling from out beneath you I really feel it changes how you see things, even when you have been removed from the trauma for a while ... the effect lingers. Trust becomes an issue... and you have about a thousand reasons WHY you can't fully trust.. in your mind those reasons are sound and true and totally based on experience. Sometimes I think I just have to learn things the hard way, I remember when I was no older than 4 years old and my mom said to me "don't touch the stove it's hot" and I turned and looked at the stove and immediately laid my hand on it .. an open hand to boot .... and was instantly burned and had a HUGE burn blister over my entire palm of my hand ... WHY in the world would I immediately touch the stove right after my mom, who I could trust who would not want me to be hurt, had just said DON'T TOUCH it's hot... I had to see for myself, as if I didn't quite believe her. That memory has stayed with me and like I said it has made me wonder if I wasn't born with trust issues :) maybe it was just being a dumb kid :) or both!
I get lost in my head at times with all my planning, my wondering what will the future be, what will so and so do and what will so and so say, I spend a lot of time up there trying to figure out different scenarios so that if something happens unexpected, I will have a follow up plan. My family tells me I over analyze things, my counsellor told me the same thing. I get lost for hours thinking and rethinking and replaying things that have happened and things that may or may not happen.
So what's the solution? cuz my controlling over analyzing brain NEEDS a solution :)
Daily and sometimes moment by moment I have to tell myself to let it go. I have to breath a deep breath and tell myself just let it be. What will be will be. I do what I can in the meantime but I have to constantly relinquish the right to control that which I cannot control. I have to repeat to myself that God loves me and His plan for my life is better than any plan I could come up with on my own... ok so even as I type this I had the thought pop into my head "really? it is? cuz I am not sure it will work out"... just keeping it real. A friend recently told me the 15 inches from my brain to my heart is really like 15 feet right now .. I know all the right things, I know the truth and yet my heart struggles to let it be, to trust, to relinquish what my head knows is a false sense of control. "It's a battle field brother not a recreation field, a war and not a game".... thats a quote from a song I knew as a child.
In the midst of my wacky self I am functioning... the world has not come to a complete stop and if you stop me and ask me "how are you" I will smile big and say "oh just fine thank you"... cuz who wants to know the crazy that rages inside my head?! well I mean if you give me more time you know I will give you a little insight cuz I have a bit of a blab problem :) but all in all, I am functioning, the laundry is getting done at the same pace it always gets done and my house is about as clean as it usually is, I am cooking dinner the way I always cook dinner.... life is still moving forward one day at a time. Nothing that way is different, but due to past trauma, the floor falling out from under me, I know I am hyper vigilant. I am trying to not think about things obsessively. I am trying to convince myself that everything will work out the way it's supposed to and I am trying to trust in a situation that I desperately want to control and make the outcome be what I want it to be.
That is the struggle that is in me. Anyone relate?
........and before anyone jumps to the conclusion that my struggle has to do with my marriage you can stop cuz you would be totally wrong!!! my being married to my amazing hubby is a reason why I function so well day to day!!


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Oct. 21-22 & 28-29, 2017
This is your chance to visit with Mountain Maryland artists where they live and work, to learn about their techniques and methods, and purchase art for your home or as a gift.
If you have any questions, call the Allegany Arts Council at (301) 777-2787.
See you soon in Mountain Maryland!
Use this map to navigate the 2017 Mountain Maryland Studio Tour destinations.
Click on each destination to view a description of the artist(s) at that location.
Come meet the Mountain Maryland Studio Tour artists at this special gallery exhibition and reception
Reception – Saturday, October 7, from 6 to 8 pm
The exhibition will be in the Schwab Mountain Maryland Gallery beginning October 6 and ending October 29.
The Saville & Schwab Mountain Maryland Galleries are conveniently located in Downtown Cumberland at 9 N. Centre St., Cumberland, MD
For more information, call the Allegany Arts Council at (301) 777-2787.


text:
Words containing rterpart
Found 1 words containing rterpart. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that contain rterpart. Or use our Unscramble word solver to find your best possible play!
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text:
Trinity Presbyterian Church is a new church for Owasso & the region. It began as a prayer group in living rooms in 1997. Many who traveled to Tulsa for worship wanted a church in Owasso where people could "come as they are" without pretense, a church where the gospel was central. This prayerful core originated at Christ Presbyterian Church (PCA) and gained some interest from reformed Baptist churches around town.
For ten years that interest coalesced into an Owasso small group out of Christ Presbyterian Church (CPC). Nothing formal was done to plant a new church. Then in 2010 -- five years after RiverOaks Presbyterian Church (PCA) was planted in South Tulsa -- Pastor Ricky Jones lead a remnant of this core to "do something about it". An incoate core group began to form in Owasso. Long-time Owasso residents like Brenda and Jason Sheffield, Nathan and Amanda Weber were among the leaders of this new work. Beginning in the spring of 2010 Ricky and Beau Berman traveled from South Tulsa to preach and administer the sacraments to the Owasso core once a month for evening worship at Freedom Church. About six months later Redeemer Owasso -- as it was first called -- began to meet weekly at the Owasso Sixth-Grade Center. During this time the group grew but lacked the resources to become more than a small satellite of RiverOaks Tulsa. In the summer of 2011 Pastor Blake Altman was called by the pastoral search committee and the North Texas Presbytery to move from Princeton, NJ to lead this congregation as their full-time pastor. In October 2011, the church took on its own identity as Trinity Presbyterian Church.
In November 2012, the elders moved the weekly worship service from the Sixth Grade Center to Presence Theater where we they built a stable core group and received their first members on Easter Sunday. In June 2012, Trinity moved it's services from Sunday evening to Sunday mornings at the Owasso YMCA where the membership grew. Seeking more room for families with children and finding no alternate venues to accommodate our growing church, Trinity invested into portable trailers and equipment to worship back to the Owasso Sixth Grade Center, this time using the gym for worship. The area formerly used as our worship venue in 2011 is now the greeting area for our junior high and high school students.
Today Trinity ministers in concert with CPC (1951), RiverOaks PCA (2005), Ethos PCA (2013), and Iglesia Reformada Pacto de Gracia PCA (2015) to promote spiritual, social and cultural renewal throughout the region.
Trinity is a new church, but Trinity is not new in the structure of its beliefs. Trinity wholeheartedly embraces the historic Christian faith expressed in the ecumenical creeds of the Church (e.g. the Apostle's and Nicene Creeds). It is also committed to the historic Presbyterian form of the Christian tradition by its subscription to the Westminster Confession of Faith. Trinity is a congregation of the Presbyterian Church in America and a full member of the Acts 29 Network.


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This beautiful happy couple at the amazing Northbrook Park wedding venue (near Farnham, Hampshire); They have received their wedding photos and before I share them here with you I feel it is only right to always let the bride and groom look through them first. However...
I love these photos so much I'm going to leak just a handful of the story of Alexie and Danny's wedding day to you now! After all it is a Sunday and that means it is a blog post day! Look at that beautiful room in which they were married. Can't wait to share the ceremony too, such a beautiful venue!
I will create a full blog post for this wedding story very soon. For now, enjoy this little sneak peek of moments to give an idea of this beautiful and how the days story pans out.
Stay tuned for the full story soon! (Very likely to be next Sunday!)
Adam de-Ste-Croix
Sainte Croix Photography
Elegantly beautiful, naturally you.
For all photography enquiries please do
Contact me!
Social media:
Weddings: Facebook; Adam de Sainte Croix - Wedding Photographer
Instagram: SainteCroixPhotos
Twitter: SainteCroixUK
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2. We've picked out paint for the first floor bathroom, but we haven't actually painted.
3. The ugly bathroom sink fixtures that I swore I would replace first thing are still there.
4. After spending all spring weeding the yard, the weeds reclaimed their territory the second I turned my back.
5. The dogs scratched the paint on the windowsill in the library while protecting us from anyone who dares walk by our house. Have we touched it up? What do you think?
6. Our bright blue door remains bright blue. (Why is it bright blue when the trim is gray-blue? Your guess is as good as mine.)
7. I have not stepped foot in the crawl space and I hope I never will. I'm not entirely convinced there isn't a monster living down there.
8. I don't know how to use the thermostat that Edward installed.
9. The laminate flooring that we removed first thing after closing on the house is still stacked up in the patio.
10. Is that a leak under the kitchen sink?
Am I alone here, or do we all have those to do lists that are embarrassingly simple and yet still not complete?


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Arborforce guarantees all the quoted work we do. If you are not completely satisfied, we will carry out realistic remedial work promptly. We ask you to let us know about any problems asap, so that we can discuss and promptly schedule the work.
ArborforceTree Service is fully covered:-
Public Liability Insurance of $10 000 000
WorkCover Queensland WCA090719761
All Certificates are available on request for those using our services.
Tree surgery is a highly-skilled occupation with significant risks, and many parts of the work relies on the proper use of specialist equipment, trained personnel, and Safety Procedures. The work can only be safely carried out by experienced staff working to strict guidelines and the right equipment. Safety training is routinely undertaken by company staff. Equipment is regularly checked and correctly maintained.
Each job is specifically assessed for risk, and appropriate steps are taken to control the risk. Occasionally, additional risks can only be detected when the work has started. An example of this would be a defect in a junction of the tree unseen from the ground when assessment was taken. Another example, would be as I climb and start changing the dynamics and load of the tree that it starts to reveal fractures that are sometimes hidden beneath the bark.
All staff are trained to recognize changes to the risk profile, and to take immediate steps to resolve the problem. Exceptionally, if a tree is too dangerous to continue the planned work, a stop will be called until alternative solutions are found. Arborforce personnel will never jeopardize the safety of staff or other people or property.
Where necessary, signs and cones, controllers will be used when work may affect public roads or footpaths.
Appropriate Personal Protective Equipment (PPE) is always worn by company staff.


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Love School, Love Learning, Love God
01442 865781
Further to our inspection in July 2017 we are pleased to inform parents that we have retained our Green Flag status! Thank you to everybody for all their hard work in achieving this award.
To become an Eco-School once again, the school needed to show that the whole school community is involved. Our Eco-Committee of pupils from each year group have worked together to conduct an Environmental Review of the school. They involved the whole school in creating an Eco-Code.


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- Company:
- Concentric Sky
- Microsoft PowerPoint Tips & Tricks
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text:
Blaze shuts down Chevron refinery
Series of explosions contained at Chevron Richmond Refinery
RICHMOND, Calif. | August 7, 2012
Northern California officials have allowed thousands of people to leave their homes after containing a series of explosions and fires at a Chevron refinery.
The shelter-in-place order was lifted around 11:15 p.m., the Contra-Costa County Times reported.
The action allowed residents of the communities of Richmond, North Richmond and San Pablo to open their windows and air out their homes.
Sirens had blared Monday night to alert residents to stay indoors and block windows and doors to help prevent them from breathing tainted air. Health officials said their main concern was crude oil and diesel fumes.
At least two fires sent thick, black smoke into the sky, The San Francisco Chronicle reported Tuesday.
Chevron officials said the fire began at the refinery's No. 4 Crude Unit. An inspection crew discovered a diesel leak in a line in the unit and the leak was enlarging.
Soon after the crew evacuated the area, the diesel ignited, refinery manager Nigel Hearne said.
All employees had been accounted for and there were no fatalities, the Chronicle reported.
The Chevron Richmond Refinery is one of the largest refineries in the United States, processing up to 240,000 barrels of crude oil a day, the company's Web site said.
© 2012 United Press International, Inc. All Rights Reserved.
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