& 7月14日，由教育部高等学校食品科学与工程类专业教学指导委员会主办的全国第二届Propak Food Quiz Bowl在沪举行。由我校食品科技学院潘磊庆教授、束浩渊老师等指导，食品科学与工程卓越班卫婷、刘静思、高晓格、邵靖萱四名本科生组建的“Styx”团队代表学校参赛荣获全国冠军。教育部高等学校食品科学与工程类专业教学指导委员会主任金征宇教授应邀出席并为我校获奖学生团队颁奖。&&&&& Propak Food Quiz Bowl是面向国内高校食品专业学生举办的全英文、面对面快速快问快答竞赛，内容涉及食品科学（物理、化学、生物、微生物、食品分析等）、食品安全（法律法规、GMP、HACCP等）、食品工程（加工、包装、贮藏等）和食品营养四个方面。竞赛旨在开放的竞争环境中测评和挑战学生的专业知识，主要考察学生知识面、专业英语水平、快速反应能力以及团队协作精神等，努力培养食品领域国际化人才。此次大赛吸引了浙江大学、上海交通大学、中国农业大学、华南理工大学、南京农业大学、江南大学等国内一批食品科学学科实力较强的高校参赛，共产生冠军1名，亚军1名，季军2名。&&& 我校食品科技学院历年来十分注重第二课堂对学生专业能力的培养，在今年4月份赛事启动以来，学院本着以赛促训，面向全院学生精心组织了校内选拔赛，并邀请具有国外多年学习经历的专业教师强化模拟训练，有效提升了参赛学生专业基本素质和综合能力，最终在全国赛上取得了优异的成绩。&&& 据悉，Quiz Bowl是起源于美国、面向全美学生的知识竞赛类活动。在权威的U.S.News大学排名中，全美排名前200位的大学都经常参加Quiz Bowl比赛。如哈佛大学、麻省理工学院等均从1996年起，连续参加NAQT的Quiz Bowl竞赛。Food Quiz Bowl则是由东南亚食品科技学会（FIFSTA）率先发起的面向高校食品专业学生的竞赛，在每两年一届的东南亚食品论坛上举办该类赛事，如2015年的马来西亚Food Quiz Bowl，2013年的新加坡Food Quiz Bowl等。&
编辑：王爽
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102 Cards in this Set
April 2012 Nielsen Report
US Bank is the nations 4th largest check card issuer
Combined consumer & business used their check card how many times in 2012?
1.2 billon times
Combined consumer & business used their check card how many seconds a day?
39 times every second
What is the number one reason why customers use a check card?
Convenience.
If the customer has only a savings or money market account they may not have a check card.
Business Check Card
Allows the cardholder access all ATM functions and make non-pin and pin purchases.
Employee Business Check Card
Provides deposit only functionality at the ATM and the ability to make non-pin and pin purchases.
Sole proprietor business check card
Allows S.P. cardholder access to both their business and personal accounts. Full functionality at ATMS.
Instant issue check cards
A separate PIN is not mailed. The pin is preset to 9999. These cards are active for 30 calendar days following card setup.
U.S. Bank Visa Gift Card
Any US location that accepts VISA. Lost or stolen can be replaced $15 fee (ACCT # must be avail). Load amt is $25-$500. Can be purchased by: cash advance, a debit to their US bank acct, cash, or certified funds. The cardwiz system will automatically add the $3.95 (cannot be waived).
U.S. Bank Visa Gift Card customer service website
usbankmyaccount.com
U.S. Bank Visa Gift Card Fees (Sales Channel Branch)
$3.95 per card
U.S. Bank Visa Gift Card Fees (Online)
$6.95 per card
U.S. Bank Visa Gift Card Inactivity fee
$2.50 per month after 12 consecutive months of inactivity.
U.S. Bank Visa Gift Card (Online Order)
Choose different design, recipient name embossed. (For cards loaded with less than $100 the card can be mailed directly to the recipient.
Giftcard best practices
Merchants may temporarily add approx. 20% to your bill to cover tip. The pay at the pump optionwill place an authorization hold on the GC for $75 and continue that hold until the actual charge is processed. Pay inside to avoid freeze. CUSTOMERS CANNOT RELOAD GC!
Branch incentive for Visa giftcard
$2 in reenue for every GC sold in the branch.
U.S. Bank Rewards Visa
Business customer can reward their employees with these. Single Load. New online enhancement order online at usbankcorporaterewards.com Load amount: $25-$1500. Customize logo and choose from five card designs.
How to order US Bank Rewards Visa
usbank.com or usbnet
How much for US Bank Rewards Visa?
per card. No min order. $10 Batch processing fee for orders of 30 cards or less. Cards can be delivered in as few as six business days.
Can the US bank rewards card Visa be used outside of the US?
Yes. Transactions made in a foreign currency will be converted into US Dollars. a foreign transaction fee may be assessed up to 3% of transaction amount for transactions with merchan
US Bank Convenient Cash Card
Relodable prepaid visa. Customers can add funds to ehir card by having their employer deposit their pay to the card, transfer money from a US Bank checking or savings account or add money at the teller window. ACCEPTED WORLDWIDE anywhere visa is accepted.
When can customers begin using their card?
As soon as they call the interactive voice response system (IVR). During the call the customer will receive a PIN for ATM & PIN transactions.
When did the convenient cash card launch?
November 2011
US Bank AccelaPay Card
Can be Visa or Mastercard (Reloadable). Designed to replace costly paper checks for broad range disbursements.
US Bank AccelaPay Card Value for EMPLOYERS
Streamline costs, 100% electronic payements, program is compliant with federal and state regulations, comprehensive marketing materials, all employees can qualify with indentity verification.
US Bank AccelaPay Card Value for CARDHOLDERS
Ability to make pruchases online or pos, no check cashing fees, card balances are FDIC insured,VISA or MASTERCARD branded, fraud protection, PIN based, 24/7 website.
US Bank AccelaPay Card additional features
Mobile banking APP: Real time balance inquiry, mini-statements.
Mobile phone and email alerts: notify about card usage
Pay bills: online through BILLEO
Reload Networks: For portable programs, add cash to card through Readlink for Visa-branded or rePower for Master card.
Companion Cards: A second card may be issued with access to account for a family member.
Travelex Foreign Currency
U.S. Bank exchanges foreign currency from various countries through Travelex Currency Services Inc. Branch employees place orders and ship foreign currency through Travelex. Internet Banking customers may purchase foreign currency through usbank.com
How many obtains and accepts how many various types of currency?
Where are exchange rates obtained?
Travelex Foreign Currency Online accessed through USBnet or by contacting Travelex Account Services
Foreign Currency Fees (Currency Sold to a US Bank Customer)
Customers have two next-day delivery. The fees for delivery are paid directly to Travelex and may not be waived. If the delivery fee is not collected at the time of the transaction a loss to the branch is incurred. Delivery charges are assessed per order not per currency.
1. Next day - Delievery is guarenteed by 5:30 PM local time and customer is charged $0
2.Priority Overnight - Deliever is guaranteed by noon local time and the customer is charged $12.
Currency Sold to a NON- US Bank Customer ( or a us bank customer without a deposit relationship)
In addition to the delivery fees listed above, Non US Bank customers are charged an additional $5 non-accountholder fee per order.
Currency PURCHASED from a US Bank customer (with a deposit acct)
US Bank customers selling currency are charged a $10 delivery charge to cover the branch cost of shipping the currency to TRAVELEX. The fee is charged per order not currency type. There fore, if a customer sells multiple currencies in single order only one charge is assessed. The entire delivery charge is credited to the branch FEE CONTROL acct.
Currency Purchased from a NON US Bank Customer
A. Non US Bank customer - Refer to section 3 above for delivery fees. Non-US Bank customers are charged an additonal $5 non-acct holder fee per order.
B. The $5 non-acct holder fee is waived for US Bank customers without a deposit acct relationship.
What is the minimum foreign currency order amount ?
$29 ( US DOLLAR EQUIVALENT)
Foreign Currency purchased (exchanged from) and sold to non-US Bank Customers or US Bank customers with only a non-deposit account relationship require valid ID and have up to a maximum combined limit of $1k per day (US DOLLAR EQUIVALENT). Sales must be purchased with CA$H or CASHED
items. Due to compliance transaction monitoring requirments, all purchases and sales for non us bank cusomters must be entered into travelex foreign currency online and are not processed if the system is unavalible
Orders placed by 7 PM (CST) Mon - FRI
Processed same day
Orders placed AFTER 7 PM (CST)
Processed the next business
TRAVELEX Foreign Currency Online
Order foreign currency using the TRAVELEX
currency online LINK. Refer to Op Procedure X-5, utilizing travelex services, for instructions. Print the Confrimation page (EXHIBIT X5-A) at the end of the order.
FX Order Line
To be used for US Bank customers with a deposit acct relationship if USBnet is not available or th eorder exceeds $15k. Prior to calling compleete a foreign currency / travelers cheque sale to customer (EXHIBIT
Foreign currency from USBANK.COM
The customer selects the following options: Personal, Internet Banking, Products & Services, Order Foreign Currency and Learn More. A credit or debit card is require to make the purchase and the foreign currency is shipped to the billing address on the customers card.
Obtain payment from the customer for foreign currency
Obtain and process payment from the customer at the time the order is placed, regardless if the currency is being shipped to the customer or to the branch.
1.Obtain payment from the customer for the total value of the foreign currency and the delivery fee.
2. Complete the applicable ticket for the US value plus the delivery fee
3. Complete a fee control ticket for the $5 non-US bank customer fee. Waive the fee for US bank customer with only a non deposit acct relationship and write the revised totaly due to the fee waiver on the confrimation page.
4. Process Transaction in Wizard
Transaction documentation for Travelex order
Stamp the confirmation page with teller stamp. Provide the a photocopy to the customer.
1. If the foreign currency is being shipped to the branch, place the original form in the foreign purchases / shipments pending file.
2. If the foreign currency is being shipped directly to the customer, file the form in the foreign purchases/shipments-closed file. This is the final step in the process.
Why should customers open a savings or money market account?
Competitive Rates, Convenient, Goal Achievement, Peace of Mind, Disicpline, FDIC Insured.
FDIC Insured
FDIC Insurance covers funds in deposit accounts, money market accounts, and CDS.
The standard Insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
Package Money Market Savings
US Banks fastest growing savings product.
1.1 Million customers enrolled having saved more than $4billion in balances, it's surprising that 86% of customers are still working towards a savings goal.
START qualifying transfer choices
1. Scheduled transfer (Daily, Weekly, every other week or on a date or day of the customers choosing.)
2. Transfer based on purchases made with a US Bank Check Card: $0.25 - $5 transferred from their package checking to their package MM.
3. Transfer based on purchases made with a U.S. Bank Credit Card (Same as above)
START Transfer specifics
The transfer will occur on the business day after the transaction posts to the checking account.
Only one transfer will occur on a day, per card. The total number of transactions will be multiplied by the specified amount selected by the customer.
Only the check cards associated with the START enrolled checking account qualify for this transfer option. Multiple cards can be lin if there is more than one separate transfers will occur for each cards posted transactions.
Do you have a customer who believes they should have received their rewards card already?
1. Validate their participation and goal achievement in Fusion on the START program detail screen. To Earn goal 1 both the balance amount and a transfer within 35 days of balance achievement must be achieved.
2. Look up the name the reward was paid to in cardwiz. If a customer is located in cardwiz then a card has been issued.More than 14 days since the issue date, initate the process to replace
How are rates for savings and money market products set?
US Bank's Deposit Product Management group sets the rates for all of the savings and money market products.
What factors are considered when setting rates?
Competitive rate enviornment, Funds Transfer Pricing, The federal funds rate and US Banks funding needs.
Federal Funds Rate
The interest rate at which depository institutions lend balances at the Federal Reserve to other depository instituions overnight. Changes in the Federal Funds Rate can affect other short-term interest rates, foreign exchange rates, long-term interest rates, availability of credit, the money supply, price levels and employment.
Federal Open Market Committee (FOMC)
Has a target range for the federal funds rate between 0% - .25%. The FOMC anticipates that this exceptionally low range for the federal funds rate will be approriate as long as the unemployement rate remains above 6.5% and inflation remains below 2.5%.
What is the Federal Open Market Committee?
The monetary policy making body of the Federal Reserve System. By law, the FOMC conducts monetary policy to achieve its dual mandate of maximum employment and price stability. The FOMC conducts policy by adjusting the level of short term interest rates in response to changes in the economic outlook.
What is the Fedral Open Market Committee? (CNTD)
Since 2008 the FOMC has also used large-scale purchases of Treasury securities and securitites that were issued or guareenteed by federal agencies as a policy tool in an effor to lower longer term interest rates and therby improve financial conditions and support economic recovery.
Federal Open Market Committe members
12 members- the seven members of the Board of Governors and five of the 12 Reserve Bank Presidents.
Federal Open Market Committee Meetings
FOMC schedules 8 meetings per year, one about every six weeks. The FOMC may also hold unscheduled meetins as necessary to review economic and financial developments. The FOMC issues a policy statement following each regular meeting that summarizes the commmittees economic outlook and the policy decision from that meeting. `
How many times a year does the chairman hold a press briefing (FOMC)?
4 time per year he holds a press briefing after the FOMC meeting to present the FOMCs current econmic projections and to provide additional context for the FOMC policy decisions.
Why do savings and money market products have balance tiers?
Balance tiers allow US Bank to price the $100k-$499k tier higher than the lower tiers to stay competitive.
Pricing exceptions
Only should be made as a last resort option to retain or acquire a profitable customer relationship. A pricing exception will negatively impact the branchs profitability and must always be approved by senior management. If a rate exception is necessary the banker/bm must email the district manager for approval. DMs then need to use the deposit rate/ point exception ption in th eaccount and customer online maintenance
request tool to obtain approval from their regional presidents or regional managers .
Star Savers
Bankers can open star savers accounts with less $25 at their discretion. Selecting joint tenants with right of surviorship will make the minor a joint signer on the account. To select this option the minor must be at least 14 years old.
Certificate of Deposit
an official contract between US bank and a customer that is FDIC INSURED. US Bank agrees to pay a guaranteed rate of interest when the customer agrees in writing to leave the funds on deposit for a specified length of time.
Great source of fixed rate funding.
CDS have a relatively higher yield compared to regular savings accoutns bc they are the least liquid.
Types of CDS
Standard CD, Step-up CD, Trade-up CD, CD Special
Standard CD
Can be opened with a range of terms from as short as 14 days to as long as 60 months.
(One Month to 60 Months for IRA CDS). Each term is priced at the pricing region level and is based on the Marginal funding curve.
Step-up CD
a 28 month CD with steps where the interest rate automatically increases every seven months. In a rising rate environment the step-up CD gives the customer a sense of confidence and comfort that their CD is moving in the right direction.
Trade up CD
(30 month & 60 month terms) Provides an option for the customer to trade up to a better rate once during the inital term. The original maturity date remains the same. Havining the option to trade up gives the customer a sense of security that, should rates increase they will not lose out on having their money locked up.
CD Special
Priced to be very competitive in the marketplace. Typically two to four non-standard term CDS are priced with a small profit margin and promoted as current CD Specials. CD specials account for the newwest CD production.
Maturing CDS
Customers have a 10 day grace period after maturity to redeem a cd without pealty or to request changes to an automatically renewable CD
CD Profitabilty
A CD is one of US Banks lowest spread products. The amount of interest income the bank earns is determined by the funds transfer pricing which is determined by the marginal funding cure and the rate/apy that is paid to the customer and their balances.
Standard CD rates provide the highest spread and are applied to auto renewing CDS
CD Specials offer the lowest company approved spread on a CD and are intended to acquire new customers and new money to the bank. CD Specials have odd terms that do not match the standard CD terms and are offered for a limited time.
CD Specials
Wealth Management
US Bancorp and its affiliate US Bancorp investments offers comprehensive wealth management services including financial planning, investment and insurance services from US Bancorp investments.
US Bank Wealth Management
Ranks among the nations top 20 largest wealth management firms in terms of assets under management, according to Barrons 2012 list of the Top 40 Wealth Management in the US
Ascent Private Capital Management
Ultra High Net worth clients with $25 MILLION to invest
Private Client Reserve
High Net worth clients with $1 MILLION - $25 MILLION
Private Client Group Metro
Affluent clients in our metro markets with $100,00 K - $1 MILLION to invest.
Private Client Group Community
Aflluent and High net worth clients in our community markets are served by
Investmetns Connect ( a part of US Bancorp investments)
Mass market clients with less than $100 K to invest
Uses cutting edge wealth impact planning. Provides advisory services to individuals and multi generational families with significant resources who may have private businesses and foundations and hwo aspire to make an impact on their communities and the world at large.
Ascent Offices
ONLY 5: Cinncinati, Denver, Minneapolis, San Fran & Seatle.
Private Client Reserve
Private Client resrve of US Bank is dedicated to serving the unique financial needs of individuals and families with investable assets in excess of $1 MILLION.
Private Client Reserve Misson
To enrich the Lives of our clients by honoring their unique goals.
Private Client Group (METRO)
-Serves the affulent client base in Metro markets across the footprint
- Qualifications - At least $100K in invested assets with our affiliate US Bancorp investments OR $250K or more in combined balances from US Bancorp Investments and US Bank Deposits and loans (Excluding first mortgage balances) AND at least one of the following product types: TRUST, INVESTMENT OR LOAN.
Private Client Group (METRO)
Banking clients are serviced by around 100 private banking relationship managers. The majority of our PBRMs are located onsite at key affluent branches in METRO,however a handful of our PBRMS are located at one of the three regional main offices in CINNCINATI, OH. MINNEAPOLIS MINN, PORTLAND OREGON.
Private Client Group (METRO)
Trust clients are serviced by 20-25 Personal Trust Relationship Managers and around 10 investment Relationship Managers operating out of FOUR regional Trust Advisory Centers in Cincinnati OH, Milwaukee WISC, Minneapolis MINN, Vancouver WASH.
Ann Yekaldo
Leads PCD Metro based in Minneapolis, Minn.
The Private Client Group of US Bank (COMMUNITY)
Serves not just affluent but also high net worth and ultra high net worth clients in community markets across the footprint.
- Qualifications: $500 K or more in investable assets and or $150 K in more than household income.
Private Client Group - Community
Clients are serviced througot more than 40 private banking locations and more than 60 personal trust locations across community banking markets.
Private client group (COMMUNITY)
Led by regional US Bank Presidents across the foot print. A local decentralized approach allows the US bank relationship managers to fit the markets specific needs yet bring national resources to our clients.
US Bancorp Investments
US Bancorp investmetns supports the investmetns and insurance needs of ultra high net worth clients of Ascent the High net worth clients of private client reserve the affluent clients of private client group and mass market clients.
US Bank Investmetns
$29.7 billion in assets under managemetn as of May 31 2013
CEO of USBI
Bill Benjamin
Oversees financial advisors and 150 licensed bankers servinc glients in all branch locations across the foot print and delievering a variety of financial solutions. Licensed bankers used to be called financial specialists. Their title changed in 2013 when their role transitioned from selling products to referring clients to financial advisors.
President of US Bank Wealth Management
Mark Jordahl
USBI Affluent Clients
with $100 K - $1 MILLION in investable assets who are typically served by fanncial advisors. These clients and financial advisors are in the private client group.
USBI Mass Market Clients
With less than $100K in assets who are served by US Bancorp Investmetns advisory center
USBI Self Directed Clietns
With no limit to their assets who do not work with a Financial Adivsor. These clients make their own investment decisions, but may work with Investments Connect to complete trades and other transactions. They are the only USBI Clients who trade online
In 2012 USBI made 7687 rerrals to other US Bancorp afflliates.
USBI Referral reporting
In 2013 USBI is placing a large emphasis on Realsteps & Retirement.
Real Steps is intended to help alleviate concerns many investors have about navigating the complexities of retirement.
42% of those over age 55 have a nest egg valued at more htan $100K
USBIS Unique process includes 3 key steps (REAL STEPS & RETIREMENT)
-Real Understanding
-Real Answers
-Real Progress
USBI believes there are four cornerstones that are the foundation of any retirement plan.
-Reliable Income
-Asset Growth
-Asset Protection
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