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AMERICAN BANCARD, LLC is a registered ISO/MSP for HSBC Bank USA, National Association, Buffalo, NY. As a merchant services provider, our primary focus is to make available to merchants credit and debit/check card processing services and processing
The Pentad Group is a Wellesley Hills, MA-based company in the Financial Services sector.
XTM, is a Miami and Toronto-based fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality and personal care space disseminate and access earned wages and gratuities. XTM`s Today™ Solution, comprised of a free mobile app and a Visa or Mastercard debit card with free banking features, is used by thousands of restaurants, salons and staff across Canada and the United States. XTM is a global card issuer and real-time payment specialist. Our technology is used by Restaurants, Salons and service staff at no charge to automate and expedite Earned Wage and Gratuity Access, increasing time and attendance and eliminating cash from ecosystems. XTM`s Today solution drives operational efficiencies and delivers a bespoke user experience designed specifically for service workers.
MWRD Employees Credit Union is a Chicago, IL-based company in the Financial Services sector.
Genetically modified foods (GM foods, or biotech foods) are foods produced from genetically modified organisms (GMOs), specifically, genetically modified crops. GMOs have had specific changes introduced into their DNA by genetic engineering techniques. These techniques are much more precise than mutagenesis (mutation breeding) where an organism is exposed to radiation or chemicals to create a non-specific but stable change. Other techniques by which humans modify food organisms include selective breeding and somaclonal variation. Commercial sale of genetically modified foods began in 1994, when Calgene first marketed its Flavr Savr delayed ripening tomato. Typically, genetically modified foods are transgenic plant products: soybean, corn, canola, and cotton seed oil. These may have been engineered for faster growth, resistance to pathogens, production of extra nutrients, or any other beneficial purpose. GM livestock have also been experimentally developed, although as of July 2010 none are currently on the market. While there is broad scientific consensus that food on the market derived from GM crops pose no greater risk to human health than conventional food, critics have objected to GM foods on several grounds, including safety issues,ecological concerns, and economic concerns raised by the fact GM plants (and potentially animals) that are food sources are subject to intellectual property law.