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Obopay - Money Transfer by Cell Phone or Web. (3020100) / Credit Guides And Credit Services

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Send money to anyone directly from your cell phone. Safe and secure.

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Add Obopay to your favorite site to send or get money from friends and customers. Our Partners Include Verizon Citi AIM cellularsouth Helio See all partners The Obopay Prepaid MasterCard is issued by First PREMIER Bank pursuant to a license from MasterCard International Incorporated. credit pacific service union

For a complete listing of costs, fees and limitations for the Obopay Prepaid MasterCard see the Terms and Conditions credit first service union

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Copyright 2007 Obopay, Inc. All Rights Reserved. More Info credit report service

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About us Go mobile with your money. That s the simple yet powerful idea behind Obopay.

Obopay is the first truly comprehensive mobile payment service in the United States. That means we re the only service that lets you instantly get, send and spend money anywhere, anytime with anyone. Plus, it comes with the added convenience of an Obopay Prepaid MasterCard . Think about that for a minute. There are over 200 million cell phone users in the U.S. and more than 24 million MasterCard acceptance locations worldwide including merchants and ATMs. Now, that s a lot of people and places that are going to love Obopay. blogspot com christian

With Obopay you can instantly pay back a friend, split a dinner bill, get money from your parents, get quick cash, pay up or collect on a friendly wager, track purchases, check your balance, and much, much more. And, you can do it all from your phone; anywhere, anytime with anyone. christian counseling credit

The Obopay Story

Obopay is not your ordinary brainchild. It didn t happen in a conference room or during a grueling brainstorming session. The concept for Obopay happened while Carol Realini, Obopay s founder and CEO, was doing volunteer work in Africa. It was there she observed an interesting phenomenon: people living in some of the most remote corners of the world carried a mobile phone even if they didn t carry a wallet. Combining the two seemed like an ideal marriage of empowerment and convenience. And that s when the idea for Obopay was born. Returning to the U. S. she saw incredible opportunities within the ever-growing mobile youth market. Although Carol had not planned on rejoining the work force after a three decade run as a successful entrepreneur, her passion for this new idea changed her mind. She pulled together an all-star team of seasoned mobile and financial professionals, raised venture capital and successfully launched Obopay in 2005. credit federal service union

Contact us

Corporate Contact Info: Obopay, Inc. 275 Shoreline Drive, Suite 600 Redwood City, CA 94065 Main Office - 650-264-2000 General inquiries: info@obopay.com Careers: jobs@obopay.com Partnering and Business Development: bd@obopay.com Support: If you can t find the information you need, please contact us by calling our customer support hotline at 888-8-OBOPAY (888-862-6729) or 650-264-2100. credit monitoring service

Obopay Fees

Description Fee Sign up for Obopay Free Get money Free Send money (including acceptance of requests to send money) $0.10 Add Money to Your Obopay Account credit division service

  • From your bank account (economy) card credit online service

  • From your debit or credit account (standard) consumer counseling credit inc

2.5% Withdraw money from your Obopay Account and transfer to your bank account Free card credit fleet service

View Obopay Prepaid MasterCard fees *

When you add money from your bank account, we waive the standard 2.5% fee for adding money. If adding money from your bank account fails due to a lack of funds, there will be a $6.00 fee. You mobile operator may charge its own standard fees for SMS (text messaging) and data transfer when using Obopay from your mobile phone. Obopay reserves the right to change these fees at any time. card consolidation credit

Merchants
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Merchant Program Overview

What are the three most important things to merchants Based on our research and understanding of the market, merchants are focused on three key thingsincreasing sales, reducing costs, and ensuring that all transactions are completed securely. credit federal first service

  • Tell us the dollar amount of the suspected error. consumer credit service

If you provide this information orally, we may require that you send your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Card. center credit family service

For errors involving new Cards, point-of-sale, or foreign-initiated transfers, we may take up to 90 days to investigate your complaint or question. For new Cards, we may take up to 20 business days to credit your Card for the amount you think is in error. credit reporting service

Arbitration.

Arbitration is a means of having an independent third party resolve a Dispute. A Dispute is any controversy or claim of any type or nature between you (or any authorized user) and us, Obopay, or our employees, officers, directors, attorneys, and other representatives and agents arising out of or in any way relating to this Agreement or your Account (including any matters pertaining to marketing, collections or this Arbitration agreement and any claims under the Truth-in-Lending Act, Federal Trade Commission Act or the Fair Debt Collection Practices Act and whether the Dispute relates to matters which arose before or after your Card is issued). You agree that this is a contract involving interstate commerce which is subject to the Federal Arbitration Act and that any Dispute shall be settled by binding arbitration in accordance with the rules and procedures of the American Arbitration Association ( AAA ) relating to consumer disputes. To find out how to initiate an arbitration or more about AAA arbitrations, call 1-800-925-0155, visit AAA s website at www.adr.org, or simply call any office of the AAA for more information. The arbitration will be held in the federal judicial district in which you reside, unless all parties agree to a different location. You and we agree that the arbitrator has no authority to conduct class-wide proceedings and will be restricted to resolving the individual disputes between the parties. The arbitrator otherwise has the ability to award all remedies otherwise available by statute, at law or in equity to the prevailing party and the authority to determine whether a particular claim is arbitrable. We agree to pay all fees and costs charged by AAA in connection with the arbitration. If you are the prevailing party in the arbitration, you will be entitled to the recovery of reasonable attorneys fees and the costs of arbitration, as determined by the arbitrator. Judgment upon the award rendered by an arbitrator may be entered in any court having jurisdiction thereof. YOU UNDERSTAND THAT IN ARBITRATION YOU WILL NOT HAVE THE RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL, TO ENGAGE IN PRE-ARBITRATION DISCOVERY (EXCEPT AS PROVIDED FOR IN THE ARBITRATION RULES), OR TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY DISPUTE. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE IN ARBITRATION. If any portion of this Arbitration agreement is subsequently deemed unenforceable, the enforceability of any other provision of this Arbitration agreement shall not be affected and the unenforceable term shall be amended such that it is enforceable to the maximum extent permitted by law. This Arbitration agreement shall continue in effect even if your Account with us is terminated or we assign your debt to another party. cca credit division service

Address Changes Should your address change, you are required to notify us of that change. Notify us through Obopay by calling Obopay customer service at 1-888-8OBOPAY (1-888-862-6729), or on the Internet log into www.obopay.com. We may make efforts to confirm your request and the processing time may take several days. First PREMIER Bank Privacy Notice credit free report service

Protecting your privacy is of the utmost importance to First PREMIER Bank (referred to herein as we, us, and words of a correlative or similar meaning). We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. card credit customer discover

What Information We Collect We may collect nonpublic personal information about you from the following sources: credit repair report service

  • Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, and income; credit legal repair service

  • Information about your transactions with us, our affiliates, or others, such as your account history, payment history and debit card usage, if any; cic credit monitoring service

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The services hereunder are offered by Obopay, Inc., located at: 275 Shoreline Drive, Suite 400, Redwood City, CA 94065. You may contact Obopay through the customer support web page at http://www.obopay.com/support. For purposes of this Agreement, Obopay s business days are Monday through Friday. Holidays are not included. credit service union worker

2. Service Provider. Obopay is a payment service provider and acts as Your agent only with respect to the custody of funds. Otherwise, Obopay is exclusively an independent contractor. Obopay does not have control over or liability for products or services paid for using the Obopay Platform. 3. User Services. Your Obopay Account: When You sign up with Obopay, unless You sign up for the limited purpose of collecting funds as described in Section 4, Obopay will establish an account ( Account ) that permits You to use the Obopay Platform. You must select a personal identification number ( PIN ) and a password ( Password ), and You must provide Your Device s phone number ( Mobile Number ) and Your e-mail address ( Email ). You must keep Your Password and PIN confidential and not disclose them to others. Do not keep Your Password or PIN near Your Device. Each person for whom Obopay establishes an Account, including You, becomes a User . 1st credit service union

An Account is not a bank deposit account and is not FDIC-insured. You will not receive any interest on funds in Your Account. Obopay may pool the funds from Your Account and the Accounts of others, and may hold the proceeds in an account that is separate from Obopay s own accounts. You assign to Obopay any interest or earnings on the funds held in Your Accounts, and You agree that Obopay may keep any benefits provided by a financial institution that holds these funds. card chase credit customer

You may not create a negative balance in Your Account. If a negative balance is ever created, Obopay may apply future transfers to the negative balance, and You agree to pay to Obopay, on demand, an amount sufficient to cover the negative balance. Moreover, You authorize Obopay to obtain funds to correct a negative balance from any External Account (defined below in Linking Credit Card, Debit Card and Bank Account) to Your Account. If You fail to pay such amount on demand and funds are not able to be obtained from a funding source linked to Your Account, Obopay may take action necessary to collect such amounts from You, including collection action or use of third-party collectors. You agree to pay the actual costs of collection, to the extent permitted by law. card chase credit service

When Your Account is established, Obopay may provide You with a bonus or incentive, subject to the terms and conditions of any bonus or incentive program in effect and made available to You at the time You register. Obopay reserves the right to terminate any incentive promotional program at any time without notice to You. Obtaining a Prepaid Card: You may be able to enhance Your use of the Obopay Platform by applying for an Obopay-Branded prepaid card. If You apply for and receive an Obopay-Branded prepaid card, the terms of the Obopay-Branded prepaid card will apply to the use of Your card, and this Agreement applies to Your use of the Obopay Platform. Once You obtain an Obopay-Branded prepaid card, that prepaid card account, not an Obopay Account, will be used to make and receive transfers, and for other purposes in this Agreement. citi credit monitoring service

Linking Credit Card, Debit Card and Bank Accounts

: You can link most credit cards, debit cards and checking accounts to Your Obopay Account. Linking an eligible credit card, debit card or checking account (an External Account ) allows You to use the Obopay services (1) to transfer funds from Your External Account to Your Obopay Account ( Loading Your Obopay Account) or (2) to transfer funds from Your Obopay Account to Your External Account ( Unloading Your Obopay Account). Eligible credit cards and debit cards can be used as a source of funds for Your Obopay Account, but You cannot transfer funds from Your Obopay Account to a credit card or debit card. Linked checking accounts ( Bank Deposits ) must be in a U.S. depository institution and must be accessible through the ACH system. Most checking accounts are accessible via the ACH. Obopay does not have control over or liability for Your credit cards, debit cards or Bank Deposits. credit plus service union

Transfers:

In this Agreement, a transfer means moving funds to or from an Account of any User. In order to make a transfer, You must access the Obopay Platform from a Device using either Your Mobile Number and PIN or user ID and Password. You can use the Obopay Platform for the following types of transfer activities: credit farm service

  • Developing and implementing a risk assessment process related to AML/BSA. 1st credit federal service

  • Remaining current and up to date on all changes in AML/BSA regulatory requirements and guidelines and making sure that all appropriate persons within the company are informed and in compliance with changes. credit paychex service tax

  • Providing guidance and recommendations on the development and implementation of new and existing AML/BSA systems, applications and operational processes. credit service tax

  • Developing, implementing and revising AML/BSA Policy and Procedures to ensure compliance with regulatory requirements. aeon credit service

  • Establishing and prioritizing short term and long term strategic plans for the AML/BSA Program to meet regulatory and program objectives. credit one service union

  • Prviding AML/BSA subject matter expertise to senior management. bad cell credit phone service

  • Producing AML/BSA operational status reports and briefing packages for the Chief Risk Officer, the Corporate Compliance Committee, the Audit Committee of the Board of Directors and the various lines of business, as needed. counseling credit debt service

  • Managing AML/BSA work outsourced to consultants or other third parties. card credit payment service

  • Serving on various AML/BSA-related committees or task forces, as assigned. Ensuring that the AML/BSA Training Program delivers an up-to-date and meaningful curriculum. card credit merchant

  • Acting as primary interface with regulators during AML/BSA examinations. counseling credit family

Requirements:

Successful candidates are required to have a Bachelor s degree with a business, finance, accounting or criminal justice focus. An MBA or law degree is preferred. A minimum of 5 years regulatory compliance experience in the financial services industry, with a demonstrated expertise in BSA, AML. KYC, USA PATRIOT Act and OFAC, is required. In addition, we prefer candidates with experience in a MSB and managing state money transmitter audits. A minimum of 3 years supervisory experience in a financial services or regulatory environment is also preferred. Successful candidates must be able to speak and write clearly and concisely to all constituencies, including regulators, senior management and directors. Additional requirements include the ability to make sound decisions under pressure, the flexibility to prioritize and handle multiple tasks, and proficiency in MS Office Suite applications. annual credit report request

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Obopay offers the first comprehensive mobile payment service in the United States. Obopay's consumer service allows mobile phone subscribers to send money, give gifts, pay each other and purchase from their mobile phone. The service, 25, is fast, convenient, and fun. The initial applications for Obopay are for person to person money transfers including gift giving and sharing expenses. Obopay also enables point of sale purchases through a companion debit card.

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