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Wednesday, May 4, 2016

American Family Insurance

American Family Insurance (aka AmFam) is a private mutual company that focuses on property, casualty and auto insurance, but also offers commercial insurance, life, health, and homeowners coverage, as well as investment and retirement-planning products. A Fortune 500 company, its revenues for 2008 were over $6.7 billion. It should not be confused with American Family Home Insurance Company, a subsidiary of Munich Re subsidiary American Modern Insurance Group, Inc., or American Family Life Insurance Company of Columbus.
American Family Insurance's history began on October 3, 1927,
when insurance salesman Herman Wittwer opened the doors of Farmers Mutual Insurance Company in Madison, Wisconsin (not to be confused with the Farmers Insurance Group). At the time, the company's only product was auto insurance and its target market was farmers. Wittwer believed farmers presented lower risks than city drivers because they drove less often and not at all in the winter.[
Over the years, Farmers Mutual expanded its market and product line to meet the changing needs of its customers. In 1963, Farmers Mutual changed its name to American Family Mutual Insurance Company to reflect its broader customer base.
Companies of the American Family Insurance Group include:

American Family Mutual Insurance Company (AFMIC)
American Standard Insurance Company (ASIC)
American Family Life Insurance Company (AFLIC)
American Family Brokerage, Inc. (AFBI)
American Family Insurance Company of Ohio (AFICO; Ohio subsidiary, companion to American Family Mutual Insurance Company)
American Standard Insurance Company of Ohio (ASICO; Ohio subsidiary; companion to American Standard Insurance Company of Wisconsin)
American Family Securities, LLC (AFS) Inc.(AMFAM)
PGC Holdings Corporation (General Insurance Companies
Significant Milestones
Below is a list of milestones in the corporate history of American Family Mutual Insurance.

1927 Farmers Mutual Automobile Insurance Company was founded on Oct. 3 in Madison, Wis.
1938 Both premiums and assets surpassed $1 million.
1957 Farmers Mutual began to offer sickness and accident insurance.
1958 Company introduced homeowners insurance and opened American Family Life Insurance Company.
1959 Farmers Mutual entered the computer age with the RAMAC 305.
1961 American Standard began sales.
1962 Company began to offer farmowners insurance.
1963 Policyholders gave final approval to change the company's name to American Family Mutual Insurance Company.
1969 American Family Financial Services opened.
1975 Commercial Lines was introduced. American Family became the fifth-largest mutual auto insurer.
1981 Assets surpass $1 billion. American Family became the fourth-largest mutual auto insurance company.

1985 American Family Brokerage, Inc. opened.
1986 American Family posted its first $100 million operating gain.
1992 Policyholders' surplus exceeded $1 billion.
1994 American Family rolled out its catastrophe trailer. The company ranked as the 11th-largest property/casualty insurer.
1996 American Family first appeared on the Fortune 500 list at number 403.
1997 American Family became the 10th-largest property/casualty insurer in the nation. Assets surpassed $8 billion.
2001 American Family Securities, LLC introduced variable products. Assets for American Family Mutual Insurance Company exceeded $10 billion.
2001 Furthers expansion into Utah and Idaho. American Family in 17 states across the U.S.
2002 American Family celebrated its 75th anniversary.
2003 American Family donated $10,000,000.00 towards construction of the future UW Children's Hospital, to be named American Family Children's Hospital.
2006 Furthers expansion into Washington State. American Family in 18 states across the U.S.
2009 Furthers expansion into Georgia. American Family in 19 states across U.S.
2012 American Family Insurance completes its acquisition of The General Insurance
2013 American Family Insurance completes its acquisition of Homesite Insurance

American Express

The American Express Company, also known as Amex, is an American multinational financial services corporation headquartered in Manhattan's Three World Financial Center in New York City, United States. Founded in 1850, it is one of the 30 components of the Dow Jones Industrial AverageThe company is best known for its credit card, charge card, and traveler's cheque businesses. Amex cards account for approximately 24% of the total dollar volume of credit card transactions in the US.

Early history

In 1850, American Express was started as an express mail business in Buffalo, New York. It was founded as a joint stock corporation by the merger of the express companies owned by Henry Wells (Wells & Company), William G. Fargo (Livingston, Fargo & Company), and John Warren Butterfield (Wells, Butterfield & Company, the successor earlier in 1850 of Butterfield, Wasson & Company).Wells and Fargo also started Wells Fargo & Co. in 1852 when Butterfield and other directors objected to the proposal that American Express extend its operations to California.
American Express initially established its headquarters in a building at the intersection of Jay Street and Hudson Street in what was later called the Tribeca section of Manhattan. For years it enjoyed a virtual monopoly on the movement of express shipments (goods, securities, currency, etc.) throughout New York State. In 1874, American Express moved its headquarters to 65 Broadway in what was becoming the Financial District of Manhattan, a location it was to retain through two buildings.

American Express buildings

In 1854, the American Express Co. purchased a lot on Vesey Street in New York City as the site for its stables. The company's first New York headquarters was an 1858 marble Italianate palazzo at 55–61 Hudson Street, which had a busy freight depot on the ground story with a spur line from the Hudson River Railroad. A stable was constructed in 1867, five blocks north at 4–8 Hubert Street.
The company prospered sufficiently that headquarters were moved in 1874 from the wholesale shipping district to the budding Financial District, and into rented offices in two five-story brownstone commercial buildings at 63 and 65 Broadway that were owned by the Harmony family.
In 1880, American Express built a new warehouse behind the Broadway Building at 46 Trinity Place. The designer is unknown, but it has a fa├žade of brick arches that are redolent of pre-skyscraper New York. American Express has long been out of this building, but it still bears a terracotta seal with the American Express Eagle.
ten-story building by Edward H. Kendall on the site of its former headquarters on Hudson Street.

By 1903, the company had assets of some $28 million, second only to the National City Bank of New York among financial institutions in the city. To reflect this, the company purchased the Broadway buildings and site.

At the end of the Wells-Fargo reign in 1914, an aggressive new president, George Chadbourne Taylor (1868–1923), who had worked his way up through the company over the previous thirty years, decided to build a new headquarters. The old buildings, dubbed by the New York Times as "among the ancient landmarks" of lower Broadway, were inadequate for such a rapidly expanding concern. After some delays due to the war in Europe, the 21-story neo-classical American Express Co. Building was constructed in 1916–17 to the design of James L. Aspinwall, of the firm of Renwick, Aspinwall & Tucker, the successor to the architectural practice of the eminent James Renwick, Jr.. The building consolidated the two lots of the former buildings with a single address: 65 Broadway. This building was part of the "Express Row" section of lower Broadway at the time. The building completed the continuous masonry wall of its block-front and assisted in transforming Broadway into the "canyon" of neo-classical masonry office towers familiar to this day.American Express extended its reach nationwide by arranging affiliations with other express companies (including Wells Fargo – the replacement for the two former companies that merged to form American Express), railroads, and steamship companies.

In 1882, American Express started its expansion in the area of financial services by launching a money order business[13] to compete with the United States Post Office's money orders.

Sometime between 1888 and 1890, J. C. Fargo took a trip to Europe and returned frustrated and infuriated. Despite the fact that he was president of American Express and that he carried with him traditional letters of credit, he found it difficult to obtain cash anywhere except in major cities. Fargo went to Marcellus Flemming Berry and asked him to create a better solution than the letter of credit. Berry introduced the American Express Traveler's Cheque which was launched in 1891 in denominations of $10, $20, $50, and $100.[17]

Traveler's cheques established American Express as a truly international company. In 1914, at the onset of World War I, American Express in Europe was among the few companies to honor the letters of credit (issued by various banks) held by Americans in Europe, because other financial institutions refused to assist these stranded travelers.

Friday, February 12, 2016


HSBC Bank USA, National Association, is partner yank backup of UK-based HSBC Holdings plc, could be a manage an account with its operational head working environment in huge apple town and its strawman work environment in McLean, Virginia as chose on its sanction. HSBC Bank USA, N.A. could be a full administration bank employed underneath the full administration bank Act as is controlled by the working environment of the middle class of the Currency (OCC), an area of the U.S. Division of the Treasury.

After the securing of Republic full administration bank in 1999, the apex work environment of HSBC Bank USA influenced from One HSBC Center in Buffalo to 452 road, enormous apple town, however the bank's sanction records the central command in Wilmington, Delaware.

In 2004, HSBC USA oversubscribed 2 upstate huge apple branches to Gloversville-based town full administration bank and Trust Co.[1] HSBC didn't have enough close branches to oversee it economies of scale.

On July 31, 2011, first Niagara financial group, headquartered in Buffalo, declared that it had bought all HSBC's upstate huge apple branches for $1 billion.

Preceding its deal with first Niagara, HSBC had pretty much four hundred branches all through huge apple moreover to exactly twenty to a quarter century in distinctive states, and in addition Everglade State and American state. There was a branch work environment on the base floor of the planet Trade Center in huge apple town.

HSBC Direct is HSBC's consider to fight the nation over with distinctive net banks like Citibank Direct, emigre Direct, Ally Bank and ING Direct now could be Capital One 360.

In 2010, HSBC was evaluated the most exceedingly bad in customer backing by Forrester investigation, that requested that bank clients rank their banks. inside of the national overview of around four,500 managing an account clients surveying the most elevated fifty banks, in answer to the inquiry: "My money related supplier will what's best for me, not just its own particular main concern," HSBC set a supplanting the base with a 16 PF rating, 100 percent beneath the earlier year.

Capital One

Capital One cash Corporation is Associate in Nursing yank bank organization having some expertise in Visas, home credits, auto loans,banking and reserve funds stock. once measured regarding all out resources and stores, Capital One is that the eighth biggest bank organization inside of the u. s.. Starting 2012, The bank has 963 Capital One Bank Branches together with ten bistro vogue areas for his or her Capital One 360 complete and a couple of,000 ATMs. Capital One cash could be an individual from the Fortune five hundred, and moreover leads business in Canada and along these lines the uk. the corporate spearheaded the mass offering of Visas inside of the Nineties, and it's as of now the fourth-biggest customer of the u. s. imparting.

Its organization workplaces territory unit settled in Tysons Corner, Virginia.

In 2014, Capital One revised its terms of administration to frame an a good fit for it to "get in touch with you in any way we have a tendency to pick", together with a private visit at your home and at your place of work." It also announced its entitlement to "change or smother guest ID and comparable administrations and build up ourselves on these administrations in any way we choose. la Times creator David Lazarus remarked that Cap One has made purposeful options that show up intended to overextend and threaten, affirming inside of the eyes of the numerous the organization's negligence and intermittent heartlessness. Emily Rusch, the supervisor executive of the CA Public Interest examination group, discovered the organization's attestation of a privilege to satire guest ID fundamentally stressing, locution "Now ever, customers got the opportunity to be prepared to trust firms.

Capital One voice Pam Girardo told the days that the corporate wouldn't generally manufacture individual visits to clients with the exception of if all else fails on the off chance that it gets to be important to repossess [a] sports vehicle. Capital One also ascribed its attestation of a privilege to parody as important as a consequence of for the most part the amount is shown generally by some local telephone trades, one thing that is 'past our administration.

Girardo told the ny Times that the corporate was "inspecting" the dialect concerned. David Lazarus noticed that presently that alittle light has been connected, the corporate isn't as comfortable on the grounds that it prior was with carrying on kind of an aggregate crazy person . inside of the meanwhile, cardholders will shape up their own personalities. Do they require to trust the non-tying

Capital One initiated operations in Canada in 1996. Its head working environment is found in Toronto, Ontario at the North eminence Center at Yonge Street and oscine Avenue. rather than its boundless yank parent, the Canadian business doesn't without further ado work outside of the mastercard market. sort of like the U.S. guardian, Capital One Canada will be Canada Post's second biggest customer. In Gregorian logbook month 2008, Capital One Canada was named one in all bigger Toronto's prime Employers by Mediacorp Canada Iraqi National Congress., that was broadcasted by the Toronto Star daily paper.

The UK home office of Capital One is in Nottingham. Capital One inside of the United Kingdom is identified with clients with poor FICO assessment and truly high Apr Mastercards, up to 35%.The organization was once dynamic in European nation, Italy, France and African country, however has following pulled back from these business sectors.

Capital One works some beneficent projects, similar to the "No issue Giving" web entry, amid which Capital One covers the managing expenses on customer and non-client gifts made through the situating. The answerableness association National Committee for Responsive altruistic blessing has been critical of Capital One's relatively low rate of giving, expressing that "Capital One's charitable narrative is bleak. The association distinguished that Capital One's gifts of zero.024% of income were inexhaustible yet the business middle of zero.11% of revenue.Capital One has dubious the groups figures, locution that In 2011 alone, our giving sums zone unit entirely about six times bigger ($30 million) than the amount given by the NCRP.

U.S. Bancorp

U.S. Bancorp is partner yankee fluctuated cash administrations organization headquartered in city, Minnesota. it's the guardian organization of U.S. Bank National Association, the fifth biggest bank inside of the u. s. upheld $416.0 billion in resources as of Sept thirty, 2015 for every official enterprise information and fourth biggest inside of the North American country altogether branches.U.S. Bank positions on the grounds that the fifth biggest bank inside of the U.S. bolstered stores, with $263.7B in stores as of June thirty, 2014. U.S. Bank's office system serves a quarter century and Western states with three,151 saving money workplaces and five,001 ATMs.U.S. Bancorp offers local customer and business saving money and riches administration administrations, national wholesale and trust administrations and world installments administrations to more than fifteen.8 million clients. the corporate utilizes more than sixty five,000 people.[

U.S. Bank could be an across the nation contracted bank, directed by the work environment of the businessman of the Currency, Department of the Treasury.

U.S. Bancorp works four fundamental lines of business that serve individuals, organizations of all sizes, regions and option cash foundations.

U.S. Bancorp and its backups, together with U.S. Bank, offer an extensive decision of premium cash item and administrations to individuals, organizations, non-benefit making associations, foundations, and government substances. U.S. Bank item and administrations square measure disseminated fundamentally through four noteworthy lines of business.

State Farm Insurance

State Farm has ventured into the fiscal administrations enclosure, such as managing an account and shared assets. The bank opened in power 1999 and is worked by State Farm financial Services, FSB, a backup of State Farm Mutual protection Co. These ar split away its protection stock. State Farm Bank doesn't have branch workplaces. Its customary saving money benefits, that grasp checking and investment accounts, authentications of store, and securities industry accounts, ar offered to clients expansive by means of the net or via telephone, and through operators in Arizona, Illinois, Missouri, Nevada, or Land of Enchantment. Home loans ar offered expansive via telephone or through specialists in those 5 states.

Back inside of the Fifties, State Farm control a challenge, among the operators, to return up with thoughts to extend the State Farm business. Henry M. Robert H Kent, specialists in Chicago, thought of the idea of giving machine advances to existing policyholders. Henry M. Robert H Kent was companions with an area bank president at adventurer compass point, and accordingly the 2 collaborated to pilot the machine account program. State Farm enjoyed the idea most, that it had been unrolled to all or any the specialists. Henry M. Robert H Kent got sovereignties on the project for a quarter century. this is regularly a noteworthy occasion, in light of the fact that it made the essential advancing organization between protection partnerships and banks

State Farm Safety Patrol – State Farm, in association with numerous U.S. course powers, works an administration known as the State Farm Safety Patrol that gives free wayside help to stranded drivers on participating thruways, after you choice the chose number for the security Patrol they'll react and supply the consequent administrations: fuel refills; radiator refills; motor oil refills. Most Safety Patrol faculty likewise are kiss of life and programmed External electronic gadget affirmed. They work to scale back mischance rates, minimize the length time of episodes, help crippled drivers and take away street rubbish. Roads that in the blink of an eye take an interest grasp, Florida's Turnpike inside of the State of Florida[22]and the Pennsylvania Turnpike inside of the Commonwealth of Pennsylvani
Posted by Shahzad Shabbir at 12:28:00