Photo credit. Grey Crowned Crane pair, Rwanda: Xxxxxx Xxxxxxxx (UNEP/AEWA), xxx.xxxxxxxx-xxxxxxxxxxx.xxx Table of contents Table of contents 5 List of Acronyms 7 Foreword 8 EXECUTIVE SUMMARY 8 1 – BIOLOGICAL 9
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Photo credit. The Garden requires the location credit “Dr. Xxx Xxx-Sen Classical Chinese Garden” in all uses of Garden photos in print, on the web, in broadcast, and in any other public medium. Photo rights & usage Dr. Xxx Xxx-Sen Classical Chinese Garden allows promotional usage of photos taken in the Garden by its current Photographer Pass-holders. The Garden may request from Photographer Pass- holders Garden images for Garden promotion. We welcome the submission of Garden images from all Photographer Pass-holders at any time. Please contact Xxxxxx Xxxxxx by phone (000-000-0000 xxx 000) or by email (xxxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxxxxxx.xxx) * Appointment booking requests must be made a minimum of 5 business days before requested date. Book cancellations made less than 2 business days in advance are subject to a $25 cancellation fee. Date:
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Photo credit. Mars odyssey THEMIS public data archive The martian cratering record shows that there are at least 30 craters carved by impactors that are 100 kilometers or more in diameter. These were created during the planet's period of heavy bom- bardment by comets and asteroids more than 3.5 billion years ago. Scientists do not know why a late heavy bombardment stopped about 3.5 billion years ago, according to Xxxxxx. "Our research provides some insight into what early Mars might have been like, but we've fit only a couple of pieces into the puzzle of Mars' past," Xxxxxx said. Team members include Xx. Xxxx
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Photo credit. Democrance DFS start-ups are introducing applications to expand access to financial services. In November 2019, SHOPS Plus interviewed Xxxxxxx Xxxxxx, CEO of Democrance for this report about the Democrance model for democratizing access to life and health insurance. About Democrance: Democrance (Democrance 2020) is a Software as a Service technology company that seeks to make insurance accessible and affordable to underserved populations via digital technology. Its goal is to create social value for populations previously excluded from the protection insurance can provide. Founded in 2015, Democrance currently works in 11 countries worldwide: Bahrain, Cambodia, Egypt, Jordan, Kuwait, Lebanon, Mexico, Oman, Qatar, Thailand, and United Arab Emirates. The insureTech firm wants to bring affordable, accessible insurance to 15 million low-income people in the MENA region by the end of 2020. How It Works: Democrance serves as a technology enabler, linking insurance providers with payment platforms and distribution partners such as mobile phone companies, money transfer operators, digital wallets, MFIs, r/e-tailers, and superapps. Customers with mobile phone accounts receive complementary life insurance. Additionally, they have the option to purchase simple health insurance for themselves and family members that helps pay for costs associated with major health events, and promotes financial protection. Similarly, Democrance partners with MFIs to bundle insurance products with loans. For example, Democrance works with some of the largest MFIs in Egypt. In partnership with AXA Emerging Customers and the Lead Foundation, it offers credit life insurance, which pays the outstanding amount owed by a borrower on a loan in the event of his or her death, and hospital cash products designed to offset incidental costs (e.g., transportation or lodging) associated with a hospitalization. It currently serves hundreds of thousands of customers, for example, low- income women entrepreneurs with a microfinance loan for their business. Democrance also targets lower-income, uninsured migrants who typically send money home to their family. Customers of remittance houses can purchase and include easy-to-use insurance products with their remittance to insure family members in other locations.
Photo credit. Model understands that Photographer has a moral right to be identified as the author of the Images when copies of them are presented to Public, and shall communicate this understanding to publishers, designers, and other third parties that act on Model’s behalf to create the presentation material using the Images. Model shall make reasonable efforts to affix Photographer's copyright notice and photo credit to any Images reproduced by Model. Photo credit shall read “Quality Pixels Photography (Marcin & Xxxxxx Xxxxxxxxxx)” Initials: ………………………………..Model Photographer Release and indemnity Model releases and agrees to hold Photographer and/or his heirs, licensees or assigns, harmless from any claim or liability in connection with the publication or use of the Images in any manner or form whatsoever (in agreement with this contract), unless it can be clearly shown that the foregoing was maliciously caused, and produces, and published solely for the purpose of subjecting Model to conspicuous ridicule, scandal, and indignity. Model hereby affirms that all poses, positions and situations enacted in the Images covered in this contract, were entered into without force, coercion or threat whatsoever and were posed freely by Model with Model’s full consent. Model further agrees to hold Photographer, his legal representatives, assigns, and those acting under his permission blameless and free of all accusation of such force or coercion. Entire Agreement Model hereby affirms that he/she is over the age 18 and is fully able to contract in his/her own name without breach of any prior agreement of applicable law, including, but not limited to, prior agreement with modelling and talent agencies. This Agreement contains the entire understanding of the Photographer and Model and supersedes and cancels all previous negotiations, agreements, commitments, understandings, and writings in connection with the subject matter of this Agreement. This Agreement may not be released, discharged, abandoned, supplemented, amended, or modified in any manner except by a written instrument duly executed by Photographer and Model. Photographer and Model further state that they have carefully read the foregoing Agreement and know the contents thereof, they sign the same as their own free act, and that they are empowered and authorized to bind themselves and/or their principals to the terms of this Agreement. THIS IS NOT A CONTRACT OR AGREEMENT FOR WORK FOR HIRE. THE IMAGES ARE NOT THE PRODUCT OF ...
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