ETHICS/COMPLIANCE Role of Corporate Code of Ethics Ethics is knowing what is right or wrong, proper or improper. Ethics forms basic ground rules for individuals to follow. Conflict of Interest The conflict-of-interest policy often is considered a part of the overall ethics policies. Conflict-of-interest concerns sometimes constitute the main part of ethics standards. Options for Facilitating Ethical Behavior Distributing the code in a training program with top management attendance Transmitting the code with the chief executive officer’s personal letter (tone-from-the-top) Showing ethics examples in a workshop (role-playing) Showing videotapes with top management supportive comments CORPORATE GOVERNANCE PRINCIPLES Definition Corporate governance refers to the method by which a firm is being governed, directed, administered, or controlled and to the goals for which it is being governed. It is concerned with the relative roles, rights, and accountability of such stakeholder groups as owners, boards of directors, managers, employees, and others who assert to be stakeholders. ### Section 8 begins the enumerated powers of the federal government delegated to Congress. The first is the power to tax and to spend the money raised by taxes, to provide for the nation’s defense and general welfare. This section was supplemented by the 16th amendment, which permitted Congress to levy an income tax. Congress can borrow money through the issuance of bonds and other means. When it borrows money, the United States creates a binding obligation to repay the debt and cannot repudiate it. The “commerce clause” is one of the most far-reaching grants of power to Congress. Interstate commerce covers all movement of people and things across state lines, and every form of communication and transportation. The commerce clause has permitted a wide variety of federal laws, from the regulation of business to outlawing of racial segregation. The “Indian commerce clause” has become the main source of power for congressional legislation dealing with Native Americans. Acts of Congress define the requirements by which immigrants can become citizens. Only the federal government, not the states, can determine who becomes a citizen. Bankruptcy laws make provisions for individuals or corporations that fail to pay their debts. These clauses permit Congress to coin money and to issue paper currency. By extension, under its ability to enact laws “necessary and proper” to carry out these powers (as stated at the end of Article 1, Section 8), Congress created the Federal Reserve System to regulate the nation’s monetary supply. The postal powers embrace all measures necessary to establish the system and to insure the safe and speedy transit and prompt delivery of the mails. Congress may also punish those who use the mails for unlawful purposes. Copyright and patent protection of authors and inventors are authorized by this clause, although it uses neither word. The Constitution provides only for a Supreme Court, and left it to Congress to create lower (“inferior”) courts, and to set their jurisdictions and duties. Every sovereign nation possesses these powers, and Congress has acted under this authority from the beginning. The “war powers” are defined here and in Article 2, Section 2. Congress declares war, while the president wages war. However, presidents have committed U.S. forces leading to conflict without congressional declaration of war in Korea, Vietnam, and other places, provoking national argument over the meaning of these powers. Congress’ control of funding the military provides another check on the executive branch. Under these provisions, the right of the states to maintain a militia, including what is now the National Guard, is always subordinate to the power of Congress. In 1795 Congress first gave the president authority to call out the militia to suppress insurrections. Presidents employed this power to enforce federal law during desegregation disputes during the 1950s, and later during the civil disturbances in various cities during the 1960s This clause enables Congress to govern the District of Columbia. Congress has now delegated that power to a locally elected government, subject to federal oversight. Congress also governs forts, arsenals, and other places obtained from the states for the federal government’s purposes. The “elastic clause” enlarges legislative power by enabling Congress to use any means it thinks reasonable to put these powers into action. This clause also authorizes Congress to enact legislation necessary to carry out the powers of the other branches, for example to organize and reorganize the executive branch. Florentino JesuMaria Perez Jr. .:(:(c2c):):. [OSI Approved License] copyrightghts2012 © THE NEXT Inc.( Lic)tm. © THE NEXT Inc.( Lic) © Vulcan co. © Apple Inc. © AT&T © Microsoft Corp. © Bancorp © WINDOWS © 2012 Florentino J.R,Bill Clinton,George Bush Georgia,Texas,California, USA Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (Software) to deal in the Software without restriction,(including) without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software. THE SOFTWARE IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. This agreement shall be governed in all respects by the laws of the State of California and by the laws of the UNITED STATES of AMERICA, The CLINTON FOUNDATION AND THE ROBBINHOOD FOUNDATIO3(C.C.C) _________________________ FLORENTINO PEREZ JR.,BILL CLINTON, GEORGE W. BUSH vCHECKjMATEt CHANGE IN AGREEMENT1/322% By receipt of the Instant Checkmate LLC Services, Customer agrees to, and shall comply with, changes to the Restricted License granted Customer in Paragraph 1 herein, changes in pricing, and changes to other provisions of this Agreement as Instant Checkmate LLC shall make from time to time by notice to Customer via e-mail, online click wrap amendments, facsimile, mail, invoice announcements, or other written notification. All e-mail notifications shall be sent to the individual named in the Customer Administrator Contact Information section, unless stated otherwise in this Agreement. Instant Checkmate LLC may, at any time, impose restrictions and/or prohibitions on the Customers use of the Instant Checkmate LLC Services or certain data. Customer understands that such restrictions or changes in access may be the result of a modification in Instant Checkmate LLC policy, a modification of third-party agreements, a modification in industry standards, a Security Event or a change in law or regulation, or the interpretation thereof. Upon written notification by Instant Checkmate LLC of such restrictions, Customer agrees to comply with such restrictions.≠≠ Join us for a live conversation September 13, 2012, 12PM EDT with Dr. Tom Lynch from the Yale Cancer Center on Yale Livestream: https://new.livestream/yale/ Submit questions in advance: leave a comment, tweet @Yale twitter/yale or email [email protected]. ### ************************************************************************************************************************ ENGLISH APPLE INC. SOFTWARE LICENSE AGREEMENT FOR MAC OS X For use on Apple-branded Systems PLEASE READ THIS SOFTWARE LICENSE AGREEMENT (LICENSE) CAREFULLY BEFORE USING THE APPLE SOFTWARE. BY USING THE APPLE SOFTWARE, YOU ARE AGREEING TO BE BOUND BY THE TERMS OF THIS LICENSE. IF YOU DO NOT AGREE TO THE TERMS OF THIS LICENSE, DO NOT INSTALL AND/OR USE THE APPLE SOFTWARE AND, IF PRESENTED WITH THE OPTION TO “AGREE” OR “DISAGREE” TO THE TERMS, CLICK “DISAGREE”. IF YOU ACQUIRED THE APPLE SOFTWARE AS PART OF AN APPLE HARDWARE PURCHASE AND IF YOU DO NOT AGREE TO THE TERMS OF THIS LICENSE, YOU MAY RETURN THE ENTIRE APPLE HARDWARE/SOFTWARE PACKAGE WITHIN THE RETURN PERIOD TO THE APPLE STORE OR AUTHORIZED DISTRIBUTOR WHERE YOU OBTAINED IT FOR A REFUND, SUBJECT TO APPLE’S RETURN POLICY FOUND AT apple/legal/sales_policies/. YOU MUST RETURN THE ENTIRE HARDWARE/SOFTWARE PACKAGE IN ORDER TO OBTAIN A REFUND. IMPORTANT NOTE: To the extent that this software may be used to reproduce, modify, publish or distribute materials, it is licensed to you only for reproduction, modification, publication and distribution of non- copyrighted materials, materials in which you own the copyright, or materials you are authorized or legally permitted to reproduce, modify, publish or distribute. If you are uncertain about your right to copy, modify, publish or distribute any material, you should contact your legal advisor. 1. General. A. The Apple software (including Boot ROM code), any third party software, documentation, interfaces, content, fonts and any data accompanying this License whether preinstalled on Apple-branded hardware, on disk, in read only memory, on any other media or in any other form (collectively the “Apple Software”) are licensed, not sold, to you by Apple Inc. (“Apple”) for use only under the terms of this License. Apple and/or Apple’s licensors retain ownership of the Apple Software itself and reserve all rights not expressly granted to you. B. Apple, at its discretion, may make available future upgrades or updates to the Apple Software for your Apple- branded computer. Apple may provide you any such upgrades and updates that it may release up to, but not including, the next major release of the Apple Software, for free. For example, if you originally purchased a license for version 10.7 of the Apple Software, Apple may provide you for free any software upgrades or updates it might release (e.g. version 10.7.1 or 10.7.2) up to, but not including, version 10.8 of the Apple Software. After the next major release of the Apple Software, Apple may also at its discretion continue to provide minor updates and enhancements to the Apple Software. Upgrades and updates, if any, may not necessarily include all existing software features or new features that Apple releases for newer models of Apple-branded computers and may, at Apple’s discretion, be provided with or without charge. The terms of this License will govern any software upgrades or updates provided by Apple that replace and/or supplement the original Apple Software product, unless such upgrade or update is accompanied by a separate license in which case the terms of that license will govern. C. Title and intellectual property rights in and to any content displayed by or accessed through the Apple Software belongs to the respective content owner. Such content may be protected by copyright or other intellectual property laws and treaties, and may be subject to terms of use of the third party providing such content. This License does not grant you any rights to use such content nor does it guarantee that such content will continue to be available to you. 2. Permitted License Uses and Restrictions. A. Standard and Preinstalled Apple Software License. Subject to the terms and conditions of this License, unless you obtained the Apple Software from the Mac App Store, on Apple-branded physical media (e.g., on an Apple- branded USB memory stick) or under a volume license, maintenance or other written agreement from Apple, you are granted a limited, non-exclusive license to install, use and run one (1) copy of the Apple Software on a single Apple-branded computer at any one time. For example, these standard single-copy license terms apply to you if you obtained the Apple Software preinstalled on Apple-branded hardware. B. License from Mac App Store or on Physical Media. If you obtained a license for the Apple Software from the Mac App Store or on Apple-branded physical media, then subject to the terms and conditions of this License and as permitted by the Mac App Store Usage Rules set forth in the App Store Terms and Conditions ( apple/legal/itunes/ww/) (“Usage Rules”), you are granted a limited, non-transferable, non-exclusive license: (i) to download, install, use and run for personal, non-commercial use, one (1) copy of the Apple Software directly on each Apple-branded computer running Mac OS X Snow Leopard or Mac OS X Snow Leopard Server (“Mac Computer”) that you own or control;************************************************************************************************************************ For Release: 08/09/2012 Google Will Pay $22.5 Million to Settle FTC Charges it Misrepresented Privacy Assurances to Users of Apples Safari Internet BrowserPrivacy Settlement is the Largest FTC Penalty Ever for Violation of a Commission Order Google Inc. has agreed to pay a record $22.5 million civil penalty to settle Federal Trade Commission charges that it misrepresented to users of Apple Inc.’s Safari Internet browser that it would not place tracking “cookies” or serve targeted ads to those users, violating an earlier privacy settlement between the company and the FTC. The settlement is part of the FTC’s ongoing efforts make sure companies live up to the privacy promises they make to consumers, and is the largest penalty the agency has ever obtained for a violation of a Commission order. In addition to the civil penalty, the order also requires Google to disable all the tracking cookies it had said it would not place on consumers’ computers. “The record setting penalty in this matter sends a clear message to all companies under an FTC privacy order,” said Jon Leibowitz, Chairman of the FTC. “No matter how big or small, all companies must abide by FTC orders against them and keep their privacy promises to consumers, or they will end up paying many times what it would have cost to comply in the first place.” Google, the developer of the world’s most popular Internet search engine, generates billions of dollars in revenues annually from selling online advertising services, including the delivery of targeted ads online. Cookies are small pieces of computer text that are used to collect information from computers and can be used to serve targeted ads to consumers. By placing a tracking cookie on a user’s computer, an advertising network can collect information about the user’s web-browsing activities and use that information to serve online ads targeted to the user’s interests or for other purposes. In its complaint, the FTC charged that for several months in 2011 and 2012, Google placed a certain advertising tracking cookie on the computers of Safari users who visited sites within Google’s DoubleClick advertising network, although Google had previously told these users they would automatically be opted out of such tracking, as a result of the default settings of the Safari browser used in Macs, iPhones and iPads. According to the FTC’s complaint, Google specifically told Safari users that because the Safari browser is set by default to block third-party cookies, as long as users do not change their browser settings, this setting “effectively accomplishes the same thing as [opting out of this particular Google advertising tracking cookie].” In addition, Google represented that it is a member of an industry group called the Network Advertising Initiative, which requires members to adhere to its self-regulatory code of conduct, including disclosure of their data collection and use practices. Despite these promises, the FTC charged that Google placed advertising tracking cookies on consumers’ computers, in many cases by circumventing the Safari browser’s default cookie-blocking setting. Google exploited an exception to the browser’s default setting to place a temporary cookie from the DoubleClick domain. Because of the particular operation of the Safari browser, that initial temporary cookie opened the door to all cookies from the DoubleClick domain, including the Google advertising tracking cookie that Google had represented would be blocked from Safari browsers. The FTC charged that Google’s misrepresentations violated a settlement it reached with the agency in October 2011, which barred Google from – among other things – misrepresenting the extent to which consumers can exercise control over the collection of their information. Theearlier settlement resolved FTC charges that Google used deceptive tactics and violated its privacy promises when it launched its social network, Google Buzz . More information about the FTC case can be found at the Tech@FTC blog . The Commission vote to authorize the staff to refer the complaint to the Department of Justice, and to approve the proposed consent decree, was 4-1* *with Commissioner J. Thomas Rosch dissenting. The Commission issued a statement authored by Chairman Jon Leibowitz and Commissioners Edith Ramirez, Julie Brill, and Maureen Ohlhausen. In its statement, the Commission affirmed that the settlement is in the public interest because, based on staff’s investigative work, there is strong reason to believe that Google violated the prior order, and the $22.5 million fine is an appropriate remedy for the charge that Google misrepresented to Safari browser users how to avoid targeted advertising by Google. In his dissenting statement, Commissioner Rosch stated that* *it arguably cannot be concluded that the consent decree is in the public interest if it contains a denial of liability. This case was filed with the invaluable assistance of the DOJ, which filed the complaint and proposed consent decree on behalf of the Commission in U.S. District Court for the District of Northern California in San Jose August 8, 2012. * *The proposed consent decree is subject to court approval. *NOTE:* The Commission refers a complaint to the DOJ for filing when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendant has actually violated the law. This consent order is for settlement purposes only and does not constitute an admission by the defendant that the law has been violated. Consent orders have the force of law when signed by the District Court judge. The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTCs online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into , a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics. Like the FTC on Facebook , follow us on Twitter , and subscribe to press releases for the I MEDIA CONTACT:Claudia Bourne Farrell* Office of Public Affairs* *202-326-2181* STAFF CONTACT:Megan E. Gray or Megan A. Bartley *Bureau of Consumer Protection* 202-326-3408 ### Open Source Initiative OSI - TheX.Net, Inc. License (Xnet):Licensing > >[OSI Approved License] > > >The X.Net, Inc. License > > >Copyright (c) 2011 Florentino & Darla M. Perez J.R , California, USA > >Permission is hereby granted, free of charge, to any person obtaining >a copy of this software and associated documentation files (the >Software), to deal in the Software without restriction, including >without limitation the rights to use, copy, modify, merge, publish, >distribute, sublicense, and/or sell copies of the Software, and to >permit persons to whom the Software is furnished to do so, subject to >the following conditions: > >The above copyright notice and this permission notice shall be >included in all copies or substantial portions of the Software. > >THE SOFTWARE IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, >EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF >MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. >IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY >CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, >TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE >SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. > >This agreement shall be governed in all respects by the laws of the >State of California and by the laws of the United States of America and The CLINTON Foundation and THE Michelle OBAMA foundation for WOMENS MARCHING FOR EQUAL FREEDOM AND GOVERNMENT LEADERSHIP > >______________________________FLORENTINO & DARLA M. PEREZ JR. Open Source Initiative OSI - TheX.Net, Inc. License (Xnet):Licensing > >[OSI Approved License] > > >The X.Net, Inc. License > > >Copyright (c) 2011 Florentino Perez J.R, California, USA > >Permission is hereby granted, free of charge, to any person obtaining >a copy of this software and associated documentation files (the >Software), to deal in the Software without restriction, including >without limitation the rights to use, copy, modify, merge, publish, >distribute, sublicense, and/or sell copies of the Software, and to >permit persons to whom the Software is furnished to do so, subject to >the following conditions: > >The above copyright notice and this permission notice shall be >included in all copies or substantial portions of the Software. > >THE SOFTWARE IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, >EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF >MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. >IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY >CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, >TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE >SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. > >This agreement shall be governed in all respects by the laws of the >State of California and by the laws of the United States of America and The CLINTON Foundation. > >__________FLORENTINO PEREZ JR CC BY-NC-ND ;-)
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