The Trend Is Towards Motivating Sample Clauses

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The Trend Is Towards Motivating. Local Actions 26

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• Motivation How important were each of the following possible reasons in your decision to go to university? Not important Somewhat important Important Very important motiv1 To prepare for a specific job or career ☐ ☐ ☐ ☐ motiv2 To satisfy my intellectual curiosity ☐ ☐ ☐ ☐ motiv3 To earn more money than if I didn’t go ☐ ☐ ☐ ☐ motiv4 To get a broad education ☐ ☐ ☐ ☐ motiv5 I am more likely to get a job with a degree ☐ ☐ ☐ ☐ motiv6 The satisfaction of doing challenging academic work ☐ ☐ ☐ ☐ motiv7 To apply what I will learn to make a positive difference in society or my community ☐ ☐ ☐ ☐ motiv8 I didn’t have anything better to do ☐ ☐ ☐ ☐ motiv9 To get a more fulfilling job than I probably would if I didn’t go ☐ ☐ ☐ ☐ motiv10 To meet my family’s expectations ☐ ☐ ☐ ☐ motiv11 Learning new things is exciting ☐ ☐ ☐ ☐ motiv12 Most of my friends are going ☐ ☐ ☐ ☐ motiv13 To meet new people ☐ ☐ ☐ ☐ motiv14 The chance to participate in varsity athletics ☐ ☐ ☐ ☐ motiv15 To explore whether university is right for me ☐ ☐ ☐ ☐ motiv16 Other reason (please specify below): ☐ ☐ ☐ ☐ motivtxt motivtop Which one was the most important to you? Applications How many universities besides <university name> did you apply to? app1 in Canada: app2 in other countries: app3 Did you apply to a college or CEGEP? Yes ☐ No ☐ app4 Is <university name> your first choice? Yes ☐ No ☐ [If app4 = “No” branch to apptxt, otherwise branch to the Selection section.] Apptxt What was your first choice university? Selection How important were each of the following in your decision to choose <university name>? Not important Somewhat important Important Very important sel1 I wanted to live close to home ☐ ☐ ☐ ☐ sel2 I wanted to live away from home ☐ ☐ ☐ ☐ sel3 It offered a place in residence ☐ ☐ ☐ ☐ sel4 Cost of university residence ☐ ☐ ☐ ☐ sel5 Cost of tuition and fees ☐ ☐ ☐ ☐ sel6 It has the program I want to take ☐ ☐ ☐ ☐ sel7 The program I want has a co-op, practicum or other work experience ☐ ☐ ☐ ☐ sel8 The program I want offers study/work experience abroad ☐ ☐ ☐ ☐ sel9 The academic reputation of the university ☐ ☐ ☐ ☐ sel10 It has a good reputation for campus life ☐ ☐ ☐ ☐ sel11 It offered a scholarship ☐ ☐ ☐ ☐ sel12 It offered other financial assistance ☐ ☐ ☐ ☐ sel13 The size of the university suits me ☐ ☐ ☐ ☐ sel14 The city/town it’s in ☐ ☐ ☐ ☐ sel15 Availability of public transportation ☐ ☐ ☐ ☐ sel16 It’s where my friends are going ☐ ☐ ☐ ☐ sel17 It’s where my family wanted me to go ☐ ☐ ☐ ☐ sel18 The chance to participate in varsity athletics ☐ ☐ ☐ ☐ sel19 Other reason (please specify below): ☐ ☐ ☐ ☐ seltxt seltop Which one was the most important to you? [Students identified in the university’s sample file as international/visa students will be branched to vsel1; other students will be branched to the Sources of information section.] How important were each of the following in your decision to study at <university name>? Not important Somewhat important Important Very important vsel1 Academic reputation of Canadian universities in general ☐ ☐ ☐ ☐ vsel2 Cost of tuition and fees for international students ☐ ☐ ☐ ☐ vsel3 Friends or family recommended it ☐ ☐ ☐ ☐ vsel4 I thought it would be a welcoming environment ☐ ☐ ☐ ☐ vsel5 Obtaining a visa for Canada was easier than for other countries ☐ ☐ ☐ ☐ vsel6 Other reason (please specify below): ☐ ☐ ☐ ☐ vseltxt Sources of information How important were each of the following sources of information in your decision to study at <university name>? Not S important omewhat mportant Important Very important inf1 Visit by a university representative to your high school or CEGEP ☐ ☐ ☐ ☐ inf2 The university’s web site ☐ ☐ ☐ ☐ inf3 The university’s Facebook site ☐ ☐ ☐ ☐ inf4 The university’s other social media sites (e.g., Twitter, tumblr, etc.) ☐ ☐ ☐ ☐ inf5 Printed university brochure, pamphlet or viewbook ☐ ☐ ☐ ☐ inf6 Visit to campus for an open house ☐ ☐ ☐ ☐ inf7 Other visit to campus ☐ ☐ ☐ ☐ inf8 Contact with admissions staff on campus ☐ ☐ ☐ ☐ inf9 Contact with professors ☐ ☐ ☐ ☐ Inf10 Contact with university athletic coaches ☐ ☐ ☐ ☐ inf11 High school/CEGEP counsellors or teachers ☐ ☐ ☐ ☐ inf12 Students attending the university ☐ ☐ ☐ ☐ inf13 Friends ☐ ☐ ☐ ☐ inf14 Parents ☐ ☐ ☐ ☐ inf15 Xxxxxxx’x university rankings ☐ ☐ ☐ ☐ inf16 Globe and Mail Canadian University Report ☐ ☐ ☐ ☐ inf17 The Times Higher Education World University Rankings ☐ ☐ ☐ ☐ inf18 QS World University Rankings ☐ ☐ ☐ ☐ inf19 Academic Ranking of World Universities (“Shanghai rankings”) ☐ ☐ ☐ ☐ inf20 Other (please specify below:) ☐ ☐ ☐ ☐ inftxt orient1 Did you participate in an orientation program before or after arriving on campus last fall? Yes ☐ No ☐ [IF NO SKIP TO REGIST1] How Satisfied were you with each of the following aspects of the orientation? Very dissatisfied Somewhat dissatisfied Somewhat satisfied Verysatisfied Don’t Know orient2 Feeling welcome at the university ☐ ☐ ☐ ☐ ☐ orient3 Helping you understand the university’s academic expectations ☐ ☐ ☐ ☐ ☐ orient4 Helping your personal and social transition to university ☐ ☐ ☐ ☐ ☐ orient5 Providing information about campus life ☐ ☐ ☐ ☐ ☐ orient6 Providing information about student services ☐ ☐ ☐ ☐ ☐ orient7 Building your confidence ☐ ☐ ☐ ☐ ☐ regist1 How satisfied are you with the process of registering for courses at <UNIVERSITY NAME>? ☐ ☐ ☐ ☐ regist2 Thinking about all the courses in which you wanted to register this year, how satisfied ☐ ☐ ☐ ☐ were you with getting into these courses? Expectations and experience Now that you have been at <university name> for a while, how does your experience compare to what you expected in these areas? Much less than I expected Less than I expected About what I expected More than I expected Much more than I expected exp1 Cost of going to university ☐ ☐ ☐ ☐ ☐ exp2 Debt you might have to take on to complete your program ☐ ☐ ☐ ☐ ☐ exp3 How academically demanding your courses are ☐ ☐ ☐ ☐ ☐ exp4 The time you have to put into your coursework ☐ ☐ ☐ ☐ ☐ exp5 Contact with your professors in the classroom ☐ ☐ ☐ ☐ ☐ exp6 Contact with your professors outside of the classroom ☐ ☐ ☐ ☐ ☐ exp7 Class participation ☐ ☐ ☐ ☐ ☐ exp8 Writing in your academic work ☐ ☐ ☐ ☐ ☐ exp9 Using math in your academic work ☐ ☐ ☐ ☐ ☐ exp10 Doing course work in groups ☐ ☐ ☐ ☐ ☐ exp11 Doing course work on your own ☐ ☐ ☐ ☐ ☐ exp12 Intellectual stimulation ☐ ☐ ☐ ☐ ☐ exp13 Making friends ☐ ☐ ☐ ☐ ☐ exp14 Getting involved in campus social activities ☐ ☐ ☐ ☐ ☐ exp15 The university has help and advising available when I need it ☐ ☐ ☐ ☐ ☐ exp16 I get lost in the crowd ☐ ☐ ☐ ☐ ☐ exp17 Your course grades ☐ ☐ ☐ ☐ ☐ Exceeded Met Fallen short exp18 Has <university name> exceeded, met or fallen short of your expectations? ☐ ☐ ☐ Transition to university How much success have you had adjusting to <university name> in the following areas? None Very little Some Very much No basis for opinion tran1 Meeting academic demands ☐ ☐ ☐ ☐ ☐ tran2 Choosing a program of study ☐ ☐ ☐ ☐ ☐ tran3 Getting academic advice ☐ ☐ ☐ ☐ ☐ tran4 Performing well in written assignments ☐ ☐ ☐ ☐ ☐ tran5 Performing well in courses that require math ☐ ☐ ☐ ☐ ☐ tran6 Understanding the course material ☐ ☐ ☐ ☐ ☐ tran7 Managing your finances ☐ ☐ ☐ ☐ ☐ tran8 Managing your time ☐ ☐ ☐ ☐ ☐ tran9 Making friends ☐ ☐ ☐ ☐ ☐ tran10 Becoming involved in campus activities ☐ ☐ ☐ ☐ ☐ tran11 Finding suitable housing ☐ ☐ ☐ ☐ ☐ tran12 Dealing with new living arrangements ☐ ☐ ☐ ☐ ☐ tran13 Finding your way around campus ☐ ☐ ☐ ☐ ☐ tran14 Using the library ☐ ☐ ☐ ☐ ☐ tran15 Finding career information ☐ ☐ ☐ ☐ ☐ tran16 Commuting to campus ☐ ☐ ☐ ☐ ☐ tran18 Finding information about academic integrity (plagiarism, proper citation, etc.) ☐ ☐ ☐ ☐ ☐ Professors Please indicate your level of agreement or disagreement with the following statements about your professors. Most of my professors … Strongly Strongly prof1 are reasonably accessible outside disagree Disagree Agree agree of class ☐ ☐ ☐ ☐ prof2 take a personal interest in my academic progress ☐ ☐ ☐ ☐ prof3 treat students as individuals, not just numbers ☐ ☐ ☐ ☐ prof4 encourage students to participate in class discussions ☐ ☐ ☐ ☐ prof5 are well organized in their teaching ☐ ☐ ☐ ☐ prof6 seem knowledgeable in their fields ☐ ☐ ☐ ☐ prof7 communicate well in their teaching ☐ ☐ ☐ ☐ prof8 are intellectually stimulating in their teaching ☐ ☐ ☐ ☐ prof9 provide useful feedback on my academic work ☐ ☐ ☐ ☐ prof10 provide prompt feedback on my academic work ☐ ☐ ☐ ☐ prof11 are fair in their grading ☐ ☐ ☐ ☐ prof12 are consistent in their grading ☐ ☐ ☐ ☐ Most of my professors … Strongly Strongly No basis for prof13 treat students the same regardless of disagree Disagree Agree agree opinion gender ☐ ☐ ☐ ☐ ☐ prof14 treat students the same regardless of race ☐ ☐ ☐ ☐ ☐ prof15 look out for students' interests ☐ ☐ ☐ ☐ ☐ Yes, all Yes, most Yes, some prof16 Were you given the chance to evaluate the quality of teaching in your courses? courses courses courses No courses Considering all of your professors and courses please indicate your level of agreement or disagreement with the following statement. Strongly Strongly prof17 Generally, I am satisfied with the disagree Disagree Agree agree quality of teaching I have received ☐ ☐ ☐ ☐ Staff Please indicate your level of agreement or disagreement with the following statements. Strongly disagree Disagree Agree Strongly agree No basis for opinion staff1 Most teaching assistants in my academic program are helpful ☐ ☐ ☐ ☐ ☐ staff2 Most university support staff (e.g., clerks, secretaries, etc.) are helpful ☐ ☐ ☐ ☐ ☐ Commitment to completion Please indicate your level of agreement or disagreement with the following statements. Strongly disagree Disagree Agree Strongly agree Don’t know cmt1 I have the financial resources to complete my program ☐ ☐ ☐ ☐ ☐ cmt2 I had adequate information about my program from the university before I enrolled ☐ ☐ ☐ ☐ ☐ cmt3 I am in the right program for me ☐ ☐ ☐ ☐ ☐ cmt4 Most of my courses are interesting ☐ ☐ ☐ ☐ ☐ cmt5 My course load is manageable ☐ ☐ ☐ ☐ ☐ cmt6 I normally go to all of my classes ☐ ☐ ☐ ☐ ☐ cmt7 I am willing to put a lot of effort into being successful at university ☐ ☐ ☐ ☐ ☐ cmt8 I can deal with stress ☐ ☐ ☐ ☐ ☐ cmt9 I have good study habits ☐ ☐ ☐ ☐ ☐ cmt10 I plan to come back to this university next year ☐ ☐ ☐ ☐ ☐ cmt11 I plan to transfer to another university next year ☐ ☐ ☐ ☐ ☐ cmt12 I plan to go to college/CEGEP next year ☐ ☐ ☐ ☐ ☐ cmt13 I plan to complete my degree at this university ☐ ☐ ☐ ☐ ☐ cmt14 A university degree is worth the cost ☐ ☐ ☐ ☐ ☐ eval11 I feel as if I belong at this university ☐ ☐ ☐ ☐ Overall evaluation How satisfied or dissatisfied are you with the following aspects of <university name>? Very dissatisfied Dissatisfied Satisfied Very satisfied eval3 concern shown by the university for you as an individual ☐ ☐ ☐ ☐ eval9 your decision to attend this university ☐ ☐ ☐ ☐ eval12 Would you recommend <university name> to others? Yes ☐ No ☐ [If eval12 = “No” branch to eval12txt, otherwise branch to the Goal development section.] Why wouldn’t you recommend <university name>? eval12txt Goal development goal1 Have you chosen a major or discipline? Yes ☐ No ☐ After you have completed your undergraduate studies do you intend to: goal3 apply to a professional program (e.g., Medicine, Law, etc.) Yes ☐ No ☐ Unsure ☐ goal4 apply to graduate school Yes ☐ No ☐ Unsure ☐ goal5 Which of the following best describes your career plans? I have some general ideas but I need to clarify them ☐ I have several possible careers in mind ☐ I have a specific career in mind ☐ I am unsure but I want to develop a career plan ☐ I am not thinking about a career at this stage of my studies ☐ goal6 How well do you know the career options your program or intended program could open for you? Very well ☐ Fairly well ☐ Only a little ☐ Not at all ☐ Please indicate what steps if any you have taken to prepare for employment/your career after graduation? Check all that apply. goal7 Talked with professors about employment/career ☐ goal8 Talked with parents/family about employment/career ☐ goal9 Talked with friends about employment/career ☐ goal10 Created resume or curriculum vitae (CV) ☐ goal11 Created an e-portfolio (an inventory of skills, abilities and experience maintained on the web) ☐ goal12 Attended an employment fair ☐ goal13 Met with a career counsellor ☐ goal14 Worked in my chosen field of employment ☐ goal15 Volunteered in my chosen field of employment ☐ goal16 I have a career mentor ☐ goal17 None of the above ☐ Services Please indicate which of the following services you have used since last September and how satisfied you are with the ones you have used. Satisfaction if service used Used Very dissatisfied Dissatisfied Satisfied Very Satisfied srv1 Services for First Nations students ☐ srv1sat ☐ ☐ ☐ ☐ srv2 Services for international students ☐ srv2sat ☐ ☐ ☐ ☐ srv3 Services for students with disabilities ☐ srv3sat ☐ ☐ ☐ ☐ srv4 University libraries: physical books, magazines, stacks ☐ srv4sat ☐ ☐ ☐ ☐ srv5 University libraries: electronic resources ☐ srv5sat ☐ ☐ ☐ ☐ srv6 Employment services ☐ srv6sat ☐ ☐ ☐ ☐ srv7 Career counselling ☐ srv7sat ☐ ☐ ☐ ☐ srv8 Personal counselling ☐ srv8sat ☐ ☐ ☐ ☐ srv9 Academic advising ☐ srv9sat ☐ ☐ ☐ ☐ srv10 Tutoring ☐ srv10sat ☐ ☐ ☐ ☐ srv11 Study skills and learning supports ☐ srv11sat ☐ ☐ ☐ ☐ srv12 Writing skills ☐ srv12sat ☐ ☐ ☐ ☐ srv13 University residences ☐ srv13sat ☐ ☐ ☐ ☐ srv14 Advising for students who need financial aid ☐ srv14sat ☐ ☐ ☐ ☐ srv15 Financial aid ☐ srv15sat ☐ ☐ ☐ ☐ srv16 Athletic facilities ☐ srv16sat ☐ ☐ ☐ ☐ srv17 Other recreational facilities ☐ srv17sat ☐ ☐ ☐ ☐ srv18 University bookstores: physical stores ☐ srv18sat ☐ ☐ ☐ ☐ srv19 University bookstores: online inventory check, ordering, etc. ☐ srv19sat ☐ ☐ ☐ ☐ srv20 Campus medical services ☐ srv20sat ☐ ☐ ☐ ☐ srv21 Co-op offices and supports ☐ srv21sat ☐ ☐ ☐ ☐ srv22 Facilities for university-based social activities ☐ srv22sat ☐ ☐ ☐ ☐ srv23 Facilities for student associations ☐ srv23sat ☐ ☐ ☐ ☐ srv24 Computing services help desk ☐ srv24sat ☐ ☐ ☐ ☐ srv25 Food services ☐ srv25at ☐ ☐ ☐ ☐ srv26 Parking ☐ srv26at ☐ ☐ ☐ ☐ Academic history hist1 In what year did you begin your postsecondary studies? Year: hist2 In what year did you first enrol at <university name>? Year: hist3 Have you transferred to <university name> from another postsecondary institution? Yes ☐ No ☐ hist4 Please choose the letter grade that best reflects your overall average grade: A ☐ (includes A+, A and A-) B ☐ (includes B+, B and B-) C ☐ (includes C+, C and C-) D ☐ F ☐

• REWARD 11.1 The evaluation of the Employee’s performance will form the basis for acknowledging outstanding performance or correcting unacceptable performance;

• Rewards PROGRAMS You may have selected a Rewards Program for your account or, if you selected a Popular / AAdvantage® card, then the terms of the AAdvantage® Program apply. REWARDS PROGRAM WHAT IT MEANS HOW IT AFFECTS YOU Return A rewards program that earns cash back per every purchase made with the Card. The reward program accumulates in cash 1% of all net Purchases made with your credit Card. Net Purchases are Purchases minus any credits or returns. In your billing statement, you will receive an estimate of the Reward accumulated. The redemption of money will be automatic and will occur once a year, in January. You will not be able to redeem your Reward before this date. The Bank will send you a check for the balance of your Reward to the address where you receive your billing statements. You will not accumulate Rewards for Balance Transfers, Convenience Checks, Cash Advances, payments thru TelePago® Popular or Internet Banking, the Purchase of casino chips or other methods of gambling, or any other transaction the Bank determines at its sole discretion constitutes or is equivalent to a Cash Advance. If you return merchandise, the Reward for that merchandise will be deducted. The percent of the deduction will be calculated based on the earning structure at the moment the merchandise was returned. If the amount of your Reward is less than ten (10) dollars at the automatic redemption period, you will not receive a check but it will accumulate to your account for the next redemption period. If your account has a derogative condition, the Bank will be able to retain your Reward until the condition ends or cancel the Reward completely, at the Bank's sole discretion. When calculating the Reward, the Bank will use the total dollar amount of each transaction eliminating the cents. The Bank's determination of the Reward is final. To receive the Reward, your account must be kept open until the date of the Reward payment. The cash back rewards program is subject to changes or cancellation at any moment at the Bank's sole discretion. American Airlines AAdvantage® Program A rewards program that earns miles. You authorize us to report to American Airlines, AAdvantage® miles earned with us. You also authorize us to share with American Airlines your email address and experiential and transactional information regarding your activity with us. You will earn AAdvantage® miles for Purchases as long as your Account is current, in good standing and open the day the Transaction is registered in your Account. The miles are earned multiplying the Transaction amount by the earn rate per dollar specific to your Card product. The total amount of miles per Transaction, without decimals, will be considered for the total amount of miles to be reported to AAdvantage® every account cycle. The Bank will report the miles earned with your AAdvantage® credit Card as long as your Account is current and in good standing the day of your cycle. The miles earned with your credit Card that are not reported to AAdvantage® because your Account has a derogative condition at cycle date, will be reported to AAdvantage® in the future if your Account becomes current. American Airlines reserves the right to change AAdvantage® program rules, regulations, travel awards and special offers at any time without notice and to end the AAdvantage® program with six (6) months prior notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations or on all flights. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit xxx.xx.xxx/xxxxxxxxxx. American Airlines, AAdvantage and the Flight Symbol are trademarks of American Airlines, Inc. PREMIA® A rewards program that earns points. Membership: Program Membership has a $25 annual fee subject to some exclusions as specified in the terms and conditions of the Program. The annual $25 fee is applied at the moment of subscription and subsequently once a year from the subscription date to any of the Program participating accounts. The Membership will be cancelled if any of the Program participating accounts has insufficient funds to cover the fee. Fee is non- refundable. You will earn points only for the activities and transactions described on the Program’s website as well as additional promotions sent out periodically by Popular. Points will be credited and debited depending on the type of transaction carried out. Popular will determine from time to time the maximum amount of Points that may be accumulated for different transactions. This information is available on the Program's webpage. Popular reserves the right to review the balance of Membership accumulated Points and to subtract any credited Points that infringe this Agreement. Each account can be registered only to one (1) Program Membership. Under no circumstance, one same account or transaction is allowed to accumulate Points simultaneously for more than one (1) Membership. Limitations: Cash Advance Transactions done with credit Cards, foreign or local currency purchases, casino chips or any other cash equivalent instrument purchase and loan payments, including but not limited to mortgage and auto loan payments will not accumulate Points. The Regular Level Points will expire in December every four (4) years from the date of subscription. The PREMIA® Platinum level Points will not expire as long as they remain at this level. If the Customer is no longer at that level, the Regular level expiration terms will apply as well as the Regular Level Membership fee. Any derogatory condition or account mismanagement, including but not limited to blocked, outstanding and overdraft accounts will result in automatic Membership suspension and elimination of accumulated Points without previous notice. Once the derogatory condition is removed, the amount of Points accrued at the moment of Membership suspension may be restored at Popular’s sole discretion. To view Your Point balance, please visit xxxxxxx.xxx. Individual consumer transactions are the only transactions entitled to Point accrual. Redemption: The Customer that figures as the primary account holder can redeem his/her accrued Points for rewards at any time, as long as he/she has the required Points for the desired reward. Program Membership must be active and the Customer may not have an account showing derogatory condition to be able to redeem the Points. The redeemed Points will immediately be deducted from the Points balance. For more information on the program visit xxx.xxxxxx.xxx or call PREMIA® Customer Service Center at 1.800.3PREMIA (0.000.000.0000). MOBILE WALLET SERVICE WHAT IT MEANS WHAT YOU AGREE TO A way to make You may choose to add your Card number to a Mobile Wallet Service. If you do so, you acknowledge that we are Purchases or not a provider of the Wallet, we do not control the device and we are not responsible for any failure or inability to payments using perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet a mobile device provider to allow usage of your Card in the Wallet. We reserve the right to define product eligibility. You agree that any such use of your Account will be subject to all the terms and conditions contained in this Agreement. Your applicable Purchase APR will apply to Purchases made using the Mobile Wallet Service. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your Account with us, including Account servicing and collection purposes. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your Accounts. You agree to take every precaution to ensure the safety, security and integrity of your Account and transactions when using the Wallet. Except as otherwise required by law, we may at our sole discretion change these terms, and modify or cancel the eligibility to use your Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Card from the Wallet. We reserve the right to refuse any transaction for any reason. You expressly understand and agree that your use of a Mobile Wallet Service is at your sole risk. Any material downloaded or otherwise obtained through the use of the Wallet is obtained at your own discretion and risk, and we are not responsible for any damage to your Mobile Device or loss of data that results from the download of any such material, whether due to any computer virus or otherwise. We make no representation or warranty as to the completeness, accuracy, reliability, or currency of any information or data that you obtain through the use of a wallet. WHAT ARE OUR RIGHTS If YOU DEFAULT OR WE HAVE A DISPUTE? Your Default An Account will be in default if: 1) you fail to make at least the Minimum Payment when due; 2) you violate any other provision of this Agreement; 3) we believe you may be unwilling or unable to pay your debts on time; 4) you file for bankruptcy; or 5) you become incapacitated or die. If your Account is in default, we may close your Account or terminate or suspend your credit privileges without notice and require full payment of your outstanding balance immediately. We can also begin collection activities. To the extent permitted by law, if you are in default because you have failed to pay us, we will require you to pay our collection costs, attorneys’ fees, court costs and all other expenses of enforcing our rights under this Agreement. Arbitration of Disputes This Agreement contains an Arbitration Provision immediately below. Within 90 days after the date we open your Account, you may elect to reject the Arbitration Provision by providing a written notice of your intention to do so to the address: Legal Division (745), Banco Popular de Puerto Rico, P.O. Box 362708, San Xxxx, Puerto Rico 00936-2708. Unless you submit your rejection or to the extent permitted by applicable law, the Arbitration Provision will have a substantial impact on how any legal claims we have against each other are resolved if either you or we elect arbitration. For example, disputes subject to arbitration are decided by a neutral arbitrator and not a judge or jury. This Arbitration Provision will not apply to, or be enforceable against, covered borrowers under the protection of the Military Lending Act. This Arbitration Provision shall not preclude you from pursuing or participating in a class action in court. IMPORTANT WAIVERS: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE BOTH WAIVE THE RIGHT TO: (1) HAVE A COURT OR A JURY DECIDE THE CLAIM; OR (2) OBTAIN INFORMATION EXCEPT AS PROVIDED HEREIN. OTHER RIGHTS ARE MORE LIMITED IN ARBITRATION THAN IN COURT OR ARE NOT AVAILABLE IN ARBITRATION. DEFINITIONS – In this Arbitration Provision, the following definitions will apply:

• Sub-Consultants All sub-consultants shall comply with each and every insurance provision of this Section 3.2.10. Consultant shall therefore not allow any sub-consultant to commence work on any subcontract to perform any part of the Services until it has provided evidence satisfactory to the City that the sub-consultant has secured all insurance required under this Agreement.

• Profitability The Board reviewed detailed information regarding revenues received by XXXX under the Agreement. The Board considered the estimated costs to XXXX, and pre-tax profits realized by XXXX, from advising the DWS Funds, as well as estimates of the pre-tax profits attributable to managing the Fund in particular. The Board also received information regarding the estimated enterprise-wide profitability of DIMA and its affiliates with respect to all fund services in totality and by fund. The Board and the Fee Consultant reviewed XXXX’s methodology in allocating its costs to the management of the Fund. Based on the information provided, the Board concluded that the pre-tax profits realized by XXXX in connection with the management of the Fund were not unreasonable. The Board also reviewed certain publicly available information regarding the profitability of certain similar investment management firms. The Board noted that, while information regarding the profitability of such firms is limited (and in some cases is not necessarily prepared on a comparable basis), DIMA and its affiliates’ overall profitability with respect to the DWS Funds (after taking into account distribution and other services provided to the funds by XXXX and its affiliates) was lower than the overall profitability levels of most comparable firms for which such data was available. Economies of Scale. The Board considered whether there are economies of scale with respect to the management of the Fund and whether the Fund benefits from any economies of scale. The Board noted that the Fund’s investment management fee schedule includes fee breakpoints. The Board concluded that the Fund’s fee schedule represents an appropriate sharing between the Fund and DIMA of such economies of scale as may exist in the management of the Fund at current asset levels.

• Productivity Incentive In addition to the Minimum Milk Price, you will be paid a Productivity Incentive based on the total number of milk solids in your milk that you supply to DFMC each Month during the Term that complies with the Quality Standards. The Productivity Incentive will be paid at the rates set out in Item 5 of the Details.

• Geometric visibility The visibility of the illuminating surface, including its visibility in areas which do not appear to be illuminated in the direction of observation considered, shall be ensured within a divergent space defined by generating lines based on the perimeter of the illuminating surface and forming an angle of not less than 5° with the axis of reference of the headlamp. The origin of the angles of geometric visibility is the perimeter of the projection of the illuminating surface on a transverse plane tangent to the foremost part of the lens of the headlamp.

• Incentives Should the Company desire to install incentives to cover any jobs, the following shall govern:

• Teamwork At Citizens’ discretion, Vendor Staff may be required to work in cooperation with another vendor’s staff or report to a supervisor from another vendor. Vendor shall cooperate and cause its staff to cooperate with any other Citizens’ vendor or any other party identified by Citizens.

• Leadership Develop strong joint leadership, shift to coaching style of leadership and share information, including financial data.