Tuesday, 25 December 2012

a California Instagram user leveled breach of contract and other claims against the company.

SAN FRANCISCO (Reuters) - Facebook's Instagram photo sharing service has been hit with what appears to be the first civil lawsuit to result from changed service terms that prompted howls of protest last week.
In a proposed class action lawsuit filed in San Francisco federal court on Friday, a California Instagram user leveled breach of contract and other claims against the company.
"We believe this complaintis without merit and we will fight it vigorously," Facebook spokesman Andrew Noyes said in an e-mail.
Instagram, which allows people to add filters and effects to photos and share them easily on the Internet, was acquired by Facebook earlier this year for $715 million.
In announcing revised terms of service last week, Instagram spurred suspicions that it would sell user photos without compensation. It also announced a mandatory arbitration clause, forcing users to waive their rights to participate in a class action lawsuit except under very limited circumstances.
The current terms of service, in effect through mid-January, contain no such liability shield.
The backlash prompted Instagram founder and CEO Kevin Systrom to retreat partially a few dayslater, deleting language about displaying photos without compensation.
However, Instagram kept language that gave it the ability to place ads in conjunction with user content, and saying "that we may not always identify paid services, sponsored content, or commercial communications as such." It also kept the mandatoryarbitration clause.
The lawsuit, filed by San Diego-based law firm Finkelstein & Krinsk, says customers who do not agree with Instagram's terms can cancel their profile but then forfeit rights to photos they had previously shared on the service.
"In short, Instagram declares that 'possession isnine-tenths of the law and if you don't like it, you can't stop us,'" the lawsuit says.
Kurt Opsahl, a senior staff attorney with the Electronic Frontier Foundation who had criticized Instagram, said he was pleased that the company rolled back some of the advertising terms and agreed to better explain their plans in the future.
However, he said the newterms no longer contain language which had explicitly promised that private photos would remain private. Facebook had engendered criticism in the past, Opsahl said, for changing settings so that the ability to keep some information private was no longer available.
"Hopefully, Instagram willlearn from that experienceand refrain from removingprivacy settings," Opsahl said.
The civil lawsuit in U.S. District Court, Northern District of California, is Lucy Funes, individually and on behalf of all otherssimilarly situated vs. Instagram Inc., 12-cv-6482.
(Reporting by Dan Levine;Editing by Dan Grebler)

Jaguar Land Rover's Chinese subsidiary will recall 337 cars

The General Administration of Quality Supervision, Inspection and Quarantine said in a statement on its website that Jaguar Land Rover's China unit is recalling 190 2012 Evoque and Freelander vehicles produced on June 11 this year.
The agency's statement saidthe recall was prompted by concerns that substandard fixings in the vehicles' rear brake calipers may lead to brakes failing and sudden tire deflation.
The agency said another 147 2012 Evoque and 2013Evoque vehicles made between October 20 and September 18 will also be recalled due to problems intheir steering boxes, which contain "security risks".
Jaguar Land Rover, the British luxury marque owned by India's Tata Motors , has relied on strong demand over the past year from emerging markets such as China for itsluxury SUVs and sleek sedans to offset sluggish growth in developed markets.

Spain's awards billions lottery winners

The country's annual Christmas lottery pays out this year $2.2 billion to thousands of winners, but those holding the winning number for the top prize --76058 -- for El Gordo, or"the fat one," reaped the biggest rewards, accordingto Spain's state-run lottery.
The first prize paid $950 million overall, or 43 percent of the total prizes, and most of "El Gordo" waswon by some residents of the historic university town of Alcala de Henares, just east of Madrid, the lottery administration said.
There, in a working class neighborhood with public housing and many immigrants, Spanish media reported that champagne bottles were popping at the lottery office that sold many of the winning tickets.
Spaniards typically buy a share of a ticket, among friends or family, at the local bar or workplace, so the joy was spread around.
Is praying for a lottery win frowned upon? Depends on who you ask
A man in Alcala de Henares bought 10 shares -- an amount known as a"full ticket," and now worth $5.2 million -- and had given them away otherfamily members. One recipient, the father of a young child, said he would try to buy a decent home and a car.
Another winner was a cafe owner who said he'd still probably open for businesson Monday, after going to collect his earnings at the bank, Spanish media reported.
The second biggest prize mostly went to residents in the town of Aranda de Duero, north of Madrid. Numerous towns across thenation also got a piece of the action, and some portions of the top El Gordo prize were sold in 15 Spanish provinces.
But Spain's recession and the unemployment rate that tops 25% clearly had an impact on the lottery intake this year.

Monday, 24 December 2012

Saturday, 22 December 2012

Peru to prepay up to $1.5 billion in debt to stem the Peruvian sol's

LIMA, Dec 22 (Reuters) - Peru will launch an aggressive plan to prepay up to $1.5 billion in debt in 2013 to try to stem the Peruvian sol's appreciationby soaking up foreign currency in the local market, Finance Minister Luis Miguel Castilla said on Saturday.
"We are going to use and make prepayments of between $1 billion and$1.5 billion in 2013, and this will serve to absorb some of the appreciating pressure that exists in the economy," the minister told a news conference.
Peru's sol closed on Friday at its strongest level in more than 16 years, with a bid price of 2.558 per dollar.
Yield-hungry investors have poured money into emerging markets such as Peru, which has expanded on average by 6 percent a year in the last decade. It currently ranks as South America's fastest-growing economy.
Castilla also raised his forecast for 2013 economicgrowth to 6.3 percent from 6.0 percent previously. The new number matches the government's growth forecast for 2012.
The minister mentioned the possibility of debt prepayment during an interview with Reuters nearly two months ago. He said the debt prepayment was part of a"liability management policy" that seeks to improve and extend the Andean country's debt profile.
Paying foreign bonds early would complement other measures the government has applied to curb the sol's rally, such as raising deposit requirements on bank accounts denominated in dollars or allowing local pension funds to invest more money abroad.
Peru has local and foreigndebt in dollars and soles that are equivalent to about $36.6 billion, or nearly 20 percent of grossdomestic product. About$20 billion is foreign debt,according to the central bank.

List of banks in Texas

*. First Bank
Includes First Bank, whichserves Missouri and Illinois, and First Bank & Trust, which operates in California and Texas.
www.firstbanks.com
*. Broadway Bank
www.broadwaybank.com
*. Texas Capital Bank (Nasdaq: TCBI )
Offers corporate and private banking, as well as personal finance services.
www.texascapitalbank.com
*. Amarillo National Bank
Provides financial information online, including regional economic data. Learn moreabout ANB's new check card system.
www.anb.com
*. Southside Bank (Nasdaq: SBSI )
www.southside.com
*. American State Bank
Providing banking servicesto West Texas since 1948.
www.asbonline.com
*. BankDirect
Open accounts online, paybills, check interest rates, etc.
www.bankdirect.com
*. Farm Credit Bank of Texas
Provider of long term loans for farms, ranches, and country homes to buy,refinance or improve.
www.farmcreditbank.com
*. American Bank
Independent financial institution serving the Corpus Christi Bay Area.
www.americanbank.com
*. Alliance Bank
Independently owned community bank dedicated to providing the best service to our customers and promoting economic growth in the communities the bank serves.
www.alliancebank.com
*. Franklin Bank
Providing community financial services to individuals and businesses.
www.bankfranklin.com
*. American Bank of Commerce
www.theabcbank.com
*. Southwest Bank of Texas
Specializes in private banking for individuals and commercial lending for growing companies.
www.swbanktx.com
*. City Bank
Banking, insurance, and mortgage services.
www.citybankonline.com *. American National Bank
Locally-owned and operated full service bank.
www.amnat.com
*. Moody National Bank
Serving the Texas area for over 90 years
www.moodybank.com
*. Klein Bank
serving Northwest Houston communities in Harris County and Montgomery County.
www.kleinbank.com
*. State National Bank of WestTexas
www.statenationalbank.com
*. City National Bank
www.cnbt.com/ *. Del Rio Bank and Trust
Learn how we can help your business connect withMexican trade.
www.thebankandtrust.com/
*. Citizens National Bank
Community bank in East Texas.
www.cnbtexas.com
*. City National Bank
East Texas financial institution serving individuals and businesses. Our web site lists our products and services.
www.citynationalbank.com
*. First Victoria National Bank
www.fvnb.com
*. Brenham National Bank
Checking, loans, credit cards, ATM cards, investment Services, student loans and more.
www.bnbank.com
*. La Grange State Bank
www.lonestarbank.com
*. Texas Bank
Homeowned bank offeringchecking, savings, trust services and a variety of financial services.
www.txbank.com
*. Brady National Bank
www.bradynationalbank.com
*. Bank of the West
Independent bank specializing in small business loans.
www.bnkwest.com
*. Citizens State Bank
serving the Tyler, Chandler/Lake Palestine and Brownsboro areas.
www.mybankcsb.com
*. First Community Bank, N.A.
Offers individual and commercial accounts. Online banking available.
www.firstcommunitybank.net
*. Citizens State Bank of Somerville Texas
www.csbtx.com
*. North Dallas Bank & Trust
Providing personal and commercial services.
www.ndbt.com
*. Wallis State Bank
Has been serving residents, businesses, and farmers for over 90 years utilizing the latest technology combined withpersonalized service.
www.wallisbank.com
*. Texas Bank
Serving Brown and Erath Counties.
www.texbank.com
*. Eagle Bank
Locally owned and operated.
www.eagle-bank.com
*. First State Bank
Full service banking to theTexas and Oklahoma panhandles, with locations in Dumas, Dalhart, and Stratford.
www.firstclassbanking.com
*. First Command Bank
Offers personal and business banking services and products along with military and former military families banking facility.
www.firstcommandbank.com
*. Synergy Bank
www.synergybank.com
*. First Texas Bancorp
www.firsttexasbank.com *. Abrams Centre National Bank
www.abramsbank.com
*. Texas First Bank
Locally-owned bank offering nine convenient locations throughout Galveston County.
www.texasfirstbanks.com
*. State Bank of Texas
Offers a full range of business and personal banking services.
www.statebanktx.com
*. Bank of the West - El Paso
Offering full range of services for personal and business customers.
www.botw-ep.com
*. First National Bank in Port Lavaca
Old-fashioned personal service.
www.fnbportlavaca.com
*. Eisenhower National Bank
Providing full bank services and products for the military and DOD civilians.
www.enbank.com
*. Schwertner State Bank
Offering full account access over the Internet.
www.txloanstar.com
*. First Bank Of Conroe
www.fboc.com
*. Heritage National Bank
Offers home banking, deposit accounts, debit cards, and competitive rates on home mortgages, credit cards, and personal and commercial loans.
www.heritagenationalbank.com
*. First National Bank of Bellville
An independent, full service commercial bank.
www.fnbbellville.com
*. Jefferson State Bank
www.jeffersonstatebank.com
*. Security Bank
With online banking.
www.security-bank.com

List of Banks in Saudi Arabia

National Commercial Bank
P.O. Box 3555, Jeddah
T : 02 6493333
F : 02 6446468
W : www.ncb.com.sa
Riyadh Bank
King Faisal Street,
Al Bat'ha, P.O. Box 229,
Riyadh
T : 01 4113333F : 01 4114626
W : www.riyadbank.com
Arab National Bank
King Faisal Street,
North Murabba,
P.O. Box 56921, Riyadh
T : 01 4029000
F : 01 4027747
W : www.anb.com.sa
Saudi British Bank
Salah Al Din Al Ayyoubi Road,
P.O. Box 9084, Riyadh
T : 01 4050677
F : 01 4050660
W : www.sabb.com.sa
Saudi American Bank
P.O. Box 833, Riyadh
T : 01 4774770
F : 01 4774770 ext.1473
W : www.samba.com.sa
Banque Saudi Fransi
P.O. Box 56006, Riyadh
T : 01 4042222
F : 01 4042311
W : www.alfransi.com
Saudi Hollandi Bank
Al Dhabab Street,
P.O. Box 1467, Riyadh
T : 01 4010288
F : 01 4031104
W : www.saudihollandibank.com
Bank Al Jazira
P.O. Box 6277, Jeddah
T : 02 6518070
F : 02 6532478
W : www.baj.com.sa
Saudi Investment Bank
P.O. Box 3533, Riyadh
T : 01 4786000
F : 01 4776781
W : www.saib.com.sa
Al Rajhi Bank
P.O. Box 28, Riyadh
T : 01 4054244
F : 01 4052950
W : www.alrajhibank.com.sa
Al Bilad Bank
Steen Street, Al Malaz,
P.O. Box 140, Riyadh
T : 01 4798888
F : 01 4798898
W : www.bankalbilad.com.sa
Islamic Development Bank
King Khaleed Street,
P.O. Box. 5925, Jeddah
T : 02 6361400
F : 02 6366871
W : www.isdb.org

List of banks in philippines

*. Metropolitan Bank and Trust Company (Metrobank)
Retail and corporate full-service bank; has foreign currency and trade services.
www.metrobank.com.ph
*. United Coconut Planters Bank
www.ucpb.com
*. HSBC
Personal banking, card services, and corporate banking.
www.hsbc.com.ph
*. International Exchange Bank
www.ibank.com.ph
*. Citystate Savings Bank
Thrift bank offering personal accounts, loans for individuals and small-businesses, and other banking services with branches throughout Luzon.
www.citystatesavings.com
*. Isla Bank
Thrift bank offering loan, deposit, safe deposit box, and placement services.
www.islabank.com
*. BNP Paribas
Financial institution offering off shore banking.
www.bnpparibas.com.ph
*. Philippine National Bank
Offers personal and business banking, trust and investment products, business products, asset management, and more.
www.pnb.com.ph
*. Equitable PCI Bank
www.equitablepcib.com
*. Citibank Philippines
Get information on credit cards, savings and checking accounts, investments and loans; printable application formsavailable.
www.citibank.com.ph
*. Unionbank of the Philippines
Provides commercial and consumer banking servicesnationwide.
www.unionbankph.com
*. Philippine Commercial International Bank (PCI Bank)
www.pcib.com
*. Bank of the Philippine Islands
www.bpi.com.ph
*. Bank of the Philippine Islands (BPI)
Family and corporate banking services, including online banking and online investment section.
www.bpiexpressonline.com
*. Security Bank Corporation (SBC)
Offers branches nationwide.
www.securitybank.com.ph
*. Philippine Business Bank (PBB)
Offering banking and financial services for small and medium enterprises.
www.pbb.com.ph
*. Land Bank of the Philippines
Offers deposit, ancillary, credit, and agrarian services.
www.landbank.com

Friday, 21 December 2012

List of banks in Georgia

*. Columbus Bank and Trust Company
Full service bank and affiliate of the Synovus Financial Corp. Features military banking services atFort Benning.
www.columbusbankandtrust.com
*. Athens First Bank
A full service bank.
www.athensfirstbank.com
*. Georgia Bank & Trust
Offers online banking services.
www.georgiabankandtrust.com
*. Georgia State Bank
www.geobank.com
*. First Clayton Bank & Trust
www.firstclayton.com
*. People's Bank & Trust
www.peoplesbanktrust.com
*. First State Bank and Trust
Full service bank.
www.fsbtc.com
*. Bank of Upson
www.bankofupson.com
*. Quantum National Bank
Community bank to serve your needs with quality service and a strong commitment for long-termcustomer relationship.
www.quantumbank.com
*. West Georgia National Bank
www.wgnb.com
*. Commercial Bank and Trust Company
With branch locations providing personal and business banking services.
www.combanktrust.com
*. Cohutta Banking Company
A full service bank.
www.cohuttabank.com
*. Douglas County Bank
www.dcbank.com
*. Thomasville National Bank
Offering a variety of personal and on-line banking services. Includesannual report and service and contact information.
www.tnbank.com
*. Citizens First Bank
www.citizensfirst-rome.com
*. Citizens Bank of Washington County
www.cbwc.com
*. Bank of Coweta
Serving the Newnan and Coweta County area of West Georgia.
www.bankofcoweta.com
*. Security Bank and Trust Company
Full service bank.
www.securitybank-albany.com
*. First Bank of Dalton
Locally owned and managed community bankwith online services avaialable.
www.firstbankofdalton.Com *. Georgia Bank & Trust
Provides a range of financial products and services.
www.gbtcalhoun.com
*. Bank of Hazlehurst
Offers a full range of financial products and services.
www.bankofhazlehurst.com
*. Century Bank of Bartow County
Offers personal and business banking services.
www.centurybanknet.com
*. Community Trust Bank
www.communitytrustbank.com
*. National Bank of Walton County
www.nbwc.com
*. Fidelity National (Nasdaq: LION )
Provides a range of banking, mortgage, and investment brokerage services at locations throughout the Atlanta metropolitan area.
www.fidelitynational.com
*. Savannah Bank
Provides commercial and private banking services, including mortgage, loan, and trust services.
www.savannahbank.com
*. Live Oak Bank
Specializes in financial services for veterinary and dental practices.
www.liveoakbank.com
*. Planters and Citizens Bank
Offers online banking, cash management, loans, and more for local individuals and businesses.
www.pcbankonline.com
*. Mount Vernon Bank
www.mvbankonline.com
*. First Bank of Coastal Georgia
www.firstbankofcg.com
*. Bank of LaFayette, The
Offers loans, online banking, IRAs, and more.
www.bankoflafayette.com
*. First Community Bank of Tifton
Affiliate of the Synovus family of companies.
www.firstcommunbanktifton.com
*. Sumter Bank & Trust
Provides personal, business, and electronic services.
www.sumterbank.com
*. First Federal Savings Bank of LaGrange
Offers a variety of personaland business banking services.
www.flagbank.com
*. Citizens Bank
www.citizensbankusa.com
*. Peachtree National Bank
www.pchnb.com
*. First Georgia Bank
Includes information on commercial banking, savings accounts, and more.
www.firstgeorgiabank.com
*. Farmers and Merchants Bank
Offering Internet banking and community bank services.
www.fmb-online.com
*. First Newton Bank
www.firstnewtonbank.com *. Union County Bank
www.unioncountybank.com
*. White County Bank
www.whitecountybank.com
*. First Bank of Habershaw
www.firstbankofhabersham.com
*. Towns County Bank
www.townscountybank.com
*. United Community Bank ofLumpkin County
www.ucblumpkincounty.com
*. Citizens Union Bank
Locally owned community bank.
www.citunionbk.com
*. Habersham Bancorp
Offers personal financial services at locations througout Georgia.
www.habcorp.com
*. Bank of North Georgia
Offering banking for businesses, individuals, and electronic banking.
www.banknorthgeorgia.com

list of banks in New York city

*. Chase Manhattan Bank Thelargest banking company in the United States
*. Bank of New York A full service bank offering a fullrange of banking and other financial services to corporations businesses and individuals worldwide. The first bank chartered in New York
*. M & T Bank Regional bankoffers personal and business banking services operating more than 650 branches across NY PA MDVA WV and DC
*. ABN AMRO Bank Provides universal banking services to corporate nationally andinternationally operating clients as well as personal and private banking customers. ABN AMRO hasa presence in 74 countries and territories
*. HSBC Bank USA New York-based corporate bankprovides a wide range of financial services to consumers and businesses
*. Hudson River Bancorp Inc. Savings and loan holding company with subsidiary which performs savings bank operations and mortgage banking services
*. Five Star Bank Western and central New York bank providing business and personal banking services. Includes products offered locations and hours and rate calculators
*. Queens County Savings Bank A full service community bank serving the financial needs of Queens New York
*. CFS Bank Provides personal and commercial banking through supermarket branches throughtout the greater New York area.
*. Ridgewood Bank Community bank provides personal services through branches in Queens Brooklyn and Nassau New York
*. Union State Bank A full service commercial bank with banking offices located in Rockland and Westchester counties in New York
*. HSBC Bank USA New York State regional bank and principal subsidiary of HSBC USA Inc
*. State Bank of Long Island Providing banking servicesfor commercial municipal and personal customers
*. The Astoria Federal Savings Bank Mortgage home equity small business banking
*. Provident Bank Offers personal and business banking from 27 full-service offices throughout Rockland Orange Ulster and Sullivan Counties New York
*. Bank of Baroda USA - NY Branch Offers a full range of financial products and personal banking services. Provides trade finance fund transfer NRI services and loan facilities for business
*. Habib American Bank Community bank specializing in trade finance and meeting the banking needs of small businesses
*. Long Island Commercial Bank Provides commercial and consumer banking to communities in Nassau andSuffolk counties
*. Northfield Savings Bank Staten Island bank offers checking direct deposit mortgage loans and internet banking
*. Elmira Savings Bank FSB (The) Performs savings andloan operations and other related financial activities. (Nasdaq: ESBK)
*. Hudson Valley Bank Provides banking services to individuals businesses and professionals
*. First National Bank A locally-owned and managed community bankserving the Sullivan County/Catskills region of New York State
*. Wilber National Bank Providing high-quality customer service and innovative products throughout upstate New York
*. PathFinder Bank Offers a full array of financial products and services to area residents in Oswego
*. The First National Bank of Long Island Community bank with branches located in Nassau and Suffolk
*. Pioneer Savings Bank Offers a complete range ofpersonal banking services serving the communities ofthe Capital Region of New York
*. Ballston Spa National Bank Community bank with eight locations in Saratoga county
*. Suffolk County National Bank The second largest independent commercial bank headquartered on Long Island New York
*. Seneca Federal Savings and Loan Located in the Central NY area. Includes current rates and service descriptions
*. 1st National Bank of Scotia An independent bank providing personalized service to customers in Scotia New York
*. Bank Audi USA Part of the Lebanese Audi Group providing full-service banking
*. Genesee Regional Bank Provides banking productsand financial services in New York
*. Geddes Federal Savings Provides Syracuse residents with a safe and secure place for their savings along with the ability to borrow money to purchase homes
*. Brooklyn Federal Savings Bank An independent community bank offering complete banking and financial services
*. Evans National Bank Provides personal and commercial banking for Western New York
*. Cattaraugus County Bank An independent community bank CCB\'s main office is located in Little Valley and maintains branch locations in Franklinville Randolph Salamanca and Springville
*. Champlain National Bank Community-owned commercial bank offers financial services to Essex and Clinton counties
*. Flatbush Federal Savings An independent community bank offering complete banking and financial services in Brooklyn New York
*. First National Bank of Dryden A community bankoffering services from two locations in Dryden New York
*. Atlas Savings Bank An independent community bank offering complete banking and financial services in Brooklyn New York
*. European American Bank A full service bank with branches in Elmhurst Flushing Jamaica and South Ozone Park New York