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Western Union is a financial services company whose primary objective is to help customers in transferring money from one nation to another. They have links and tie ups with all major banks across the globe and facilitate the transfer of funds from one country to another. Let's say you are employed in the United States and have a family in India and need to send some money for your family maintenance, you can the Western Union Money Transfer facility to send money to your family. Money is usually received the same or the next working day SERVICES)MONEY TRANSFER Each transfer is protected by an advanced worldwide security system Advanced electronic technology and a global information network for fast pay out. In most cases, your funds can be picked up within minutes, without the need of a bank account. Online Western Union's website, westernunion.com, still allows users to send and receive funds to others, pay bills, or purchase gift cards. [15] The domain westernunion.com attracted at least 8.7 million visitors annually by 2008, according to a Compete.com study. BidPay[ As the Internet became an arena for commerce at the turn of the millennium, Western Union started its online services. BidPay was renamed "Western Union Auction Payments" in 2004 before being renamed back to BidPay. BidPay ceased operations on December 31, 2005, and was purchased for US$1.8 million in March 2006 by CyberSource Corp. who announced their intention [16] to re-launch BidPay. BidPay was later discontinued by CyberSource effective December 31, 2007. Western Union Mobile[ .The proliferation of mobile phones in developed and developing economies provides a widely accessible consumer device capable of delivering mobile financial services ranging from text notifications associated with Western Union cash delivery services to phone-based remittance options. Western Union's mobile money transfer service offering will connect its core money-transfer platform to m-bank or m-wallet platforms provided by mobile operators and/or locally regulated financial institutions. Sending and receiving funds[ In order to send funds, a sender goes to a Western Union office and presents funds (plus fees) for "Next Day" or "Money in Minutes" service. The sender provides his or her name and address, the recipient's name, and a designated payment destination. Western Union then provides the sender a 10-digit Money Transfer Control Number (MTCN) that the sender must provide to the recipient. The recipient then proceeds to a Western Union agent office in the designated payment location, presents the 10-digit MTCN, and a photo ID. Money is then paid out to the recipient. In some locations, if a recipient lacks identification documents, the sender and receiver can set up a pre-arranged password. Funds are paid out in cash, although if payment exceeds a local maximum or cash on hand, a check is issued. Alternatively, a sender may forward funds to a recipient by using Western Union's website or by phone. In some countries, the recipient doesnt need the MTCN number if he has sufficient identification. Transfer fees[ Fees vary based on the sender and receiver's location, type of transfer, and whether the money is sent from a counter location or by the website. Past services[ Along with satellite telecommunications, Western Union was also active in other forms of telecommunication services: Common carrier terrestrial microwave networks Business communications networks such as Telex and TWX, which was acquired fromAT&T Corporation and renamed Telex II by Western Union Landline-based leased voice and data communication circuits Long distance telephone service Airfone air-ground radiotelephone service from 1981 to 1986 Cellular phone service for a very short time in the early 1980s (the phones were made by2-way radio manufacturer E.F. Johnson Company) Blocked transactions[ Western Union has begun blocking transactions based on suspicion of terrorist connections, as a part of the company's [24] involvement with the War on Terror. Currently, transfers sent from the Western Union website require telephone confirmation of the sender's identity. On occasion, the transfer will fail and Western Union's customer service will inform the sender that the transaction "does not meet our requirements". If details are requested, no information will be given other than the fact that their disclosure is forbidden. Numerous customers have reported this problem. Our MissionWestern Union International Bank is the international banking arm of Western Union supporting its strategy and enhancing the core business with sustainable financial returns. We are a strategic asset for growth in the European Economic Area across all major business lines of Western Union. Western Union International Bank is building on unique capabilities and elvolving into a customer centric entity for incubation and execution of Western Unions major strategies.

Our Vision"Our vision is to become the brand and network for moving money across the globe, with a focus on the underserved. To achieve this, we are committed to four key strategic priorities: Growing retail channels Expanding electronic channels Developing our product portfolio Improving process and productivity" 2.(SERVICES)Summit Online Banking View your account 24 hrs a day! Make transfers between accounts, enter stop payments, pay your bills online, and more. Click here for the online banking demo to show you all the options available, or contact us for information about online banking. Bill Pay Summit Bank Online Bill Pay is one of the most comprehensive bill pay solutions available. You can pay any person or business in North America, even if payees aren't set up to receive electronic payments. You can authorize payments online, see when a check has cleared your account, or stop payment on a check if needed. You can set up an individual payee list online, scheduling payments to be made one time, in the future, or on a recurring basis. Click here for the Bill Pay guide to show you all the options available, or contact us for information about Bill Pay Electronic Statements E-Statements are the electronic delivery of your bank statements. You can view, save and print your account statements all with the click of a button. E-Statements are free and available to you 24 hours a day, seven days a week. Contact us to sign up for E-Statements! Online Check Ordering We have partnered with Deluxe to make check ordering convenient and easy for you! Just click here and let Deluxe guide you the rest of the way. Customers can reorder checks, choose designs from the full product line, or check order status via the website. Courier Services Need to get a deposit in on today's business and can't leave the office? Summit Bank has partnered with a local courier service to assist in times of need. Certain restrictions and fees may apply. Contact us for details! Electronic Tax Payments Enroll today in the Electronic Funds Transfer Payment System for your federal tax payments! Businesses must make their federal tax payments electronically. You can make your payments securely through EFTPS on the Internet or by phone. It's your choice. Your enrollment allows you to use the payment options interchangeably. Vision and Mission Our Vision To be the preferred provider of financial products & services to the markets. Our Mission To be a financial institution based on Trust, Integrity, and Good Governance. To deliver financial solutions to our customers. To provide equal opportunities & professional working environment to our employees. To provide fair return to our shareholders on their investment. To serve the community at large. To discharge corporate social responsibility. Goals A high value investment and protection plan that is designed to help customers meet a number of financial needs which includes: Business House building New car Vacation planning Inter-generational wealth transfer Inflation mitigation Income support Marriage/ education 3.EAST WEST CORPORATE VISION "To be a world-class bank anchored on service excellence in our chosen markets." 3.C.MISSION To create value:

For our chosen markets, by providing them with excellent service in the delivery of integrated and innovative products, responsive to their current and future financial needs, at the best value. For our employees, by continuously providing them with opportunities to develop their full potentials and by giving recognition and rewards commensurate to their contribution. For our community, by committing ourselves to improving the quality of life of those around us through the support for various charities and involvement in outreach activities. For our regulators, by uncompromisingly adhering to the highest standards of business ethics and corporate governance. For our shareholders, by managing the bank professionally and prudently to consistently achieve optimal possible returns. Auto Loan Let EastWest Bank be your financial partner in purchasing your brand new vehicle or pre-owned automobile. Enjoy simpler and faster loan processing and avail of low interest rates.

Regular Checking The Regular Checking Account is a non-interest bearing deposit subject to withdrawal through issuance of checks. Passbook Savings The Passbook Savings Account is an interest earning deposit withdrawable thru a withdrawal slip and presentation of passbook.

Term Savings Account The Term Savings Account is a special savings account that offers premium rates. This account is evidenced by a passbook. Passbook + Debit Card Savings The Passbook + Debit Card Savings Account are two complementary deposit products that give the customers the security and peace of mind with having their transactions documented in a passbook while enjoying the advantages and convenience of modern banking with EastWest Debit Card. Dollar Savings The Dollar Savings Account is a foreign currency savings deposit account denominated in US Dollar and evidenced by an FCDU.

ATM Access Savings The ATM Access Savings Account is a savings account evidence by an ATM card. In lieu of the passbook ,a monthly bank statement is given to the depositors. This account earns interest at 0.25% per annum and may be accessed through the ATM. Peso Time Deposits The Peso Time Deposit is an interest-bearing deposit evidenced by a certificate issued by the Bank in favor of the depositor with a specific maturity period.

Dollar Time Deposits The Dollar Time Deposit Accountis a dollar denominated Certificate of Time Deposit evidenced by a certificate issued by the Bank in favor of the depositor with a specific maturity period. Bills Pay Facility With your choice of channel for bills payment, EastWest Bank lets you pay almost any bill over-the-counter, through our ATMs, or from anywhere you have internet access! Auto Loan Avail yourself of any of our Auto Loan facilities and enjoy lower rates and better loan terms.

ChequeMax A premium account that offers you unlimited checkwriting convenience, the ChequeMax offers you multiple fund access anytime, anywhere via the Internet and through your Smart mobile phone. Pay@Store Facility EastWest Bank's Point-of-Sale Payment facility made possible through Bancnet's Payment System. It's simple! Just use your EastWest Bank ATM Card the next time you shop at any of the participating establishments. Home Loan We take you a step closer into making your dream home a reality with an EastWest Bank Home Loan. Choose from a diverse suite of home loan facilities, especially designed for aspiring or existing homeowners.

Personal Loan The EastWest Bank Personal Loan is an unsecured and non-collateralized consumer loan that is granted to qualified individuals for their personal use. It is payable in fixed equal monthly installments.

Cool Savers Kiddie Account Cool Savers Kiddie Account is a savings deposit account for children ages 0 to 18 years with a minimum required initial deposit. Renminbi Savings Account Realize the maximum potential of your business with your Eastwest Renminbi Savings Account.

Prepaid Card A Better Way to Pay! The EastWest prepaid card is a safe and convenient method for making payments for goods and services. Basic Savings Account The lightest savings account offering from EastWest. Open an account with an initial deposit of only P100 and earn interest upon reaching P500 on your deposits. It comes with a Visa Debit Card for added convenience.

Basic Checking Account The lightest checking account offering from EastWest. Open an account with an initial deposit of only P1,000. With only a P1,000 maintaining balance, utilizing your EastWest Basic Checking Account has never been so easy! It also comes with a Visa Debit Card for easy access to your funds. Our goal to open 100 EastWest branches in 2012 will require talented people. EastWest is committed in having the right people in the right positions to drive our business goals. The right people are those with creativity and passion for excellence which will be a factor to our success. With 160 branches, we provide financial services for Filipinos, institutions, corporations, all over the Philippines. Career opportunities are wide open here at EastWest Bank. With valuable experience and great rewards for those who choose to be part of our family. You'll have access to a wide variety of career paths in a variety of disciplines. From asset management, Retail Banking, Operations, & Wealth management and including other support disciplines, such as finance, IT, human resources, risk, compliance, legal, fraud management, and marketing. EastWest provides you with an opportunity to work with one of the fastest growing universal banks in the Philippines. 4.LANDBANK VISION VISION A model of a highly competitive corporation responsive to the needs of the Land Bank Group, its clients and the institutions it supports. Contribute in building progressive and God-centered communities in the service of humanity and its environment. MISSION We shall provide the highest standard of construction, property management, realty and real estate development services supportive of the goals and objectives of Land Bank and its clients. We shall develop and maintain highly trained, Competent, and motivated professionals committed to the highest standards of Excellence, ethics and integrity. PRODUCTS AND SERVICES PROGRAMS

Project Management / Construction Construction / Renovation Real Estate Marketing / Brokering Services Property / Real Estate Management and Development - LBP ROPOA Development / Management - Building and Facilities Management

OBJECTIVES to improve the lives of all its stakeholders and working in them to lead the country to economic prosperity.