Tag: 3BL

Originally published on Built From Scratch

Zakary Ferroni served in the U.S. Army from 2003 to 2012, and today, he grapples with the lasting effects of his service in the form of post-traumatic stress disorder (PSTD). This makes it difficult for him to work; his husband, Joe, currently supports the household.

The Home Depot Foundation and HandsOn Greater Phoenix recently teamed up as part of the 2023 Operation Surprise campaign to help Zakary and Joe reclaim their outdoor space. The ultimate goal was to provide a calming, tranquil space to help manage his symptoms and offer some financial relief.

More than 100 volunteers from Team Depot, Home Depot’s associate volunteer force, helped revamp landscaping, upgrade irrigation, paint the home exterior and add outdoor furniture. The team also rebuilt the firepit, replaced broken fencing and made garage upgrades. Zakary and Joe were also surprised with a washer and dryer set and this month’s mortgage payment.

The Home Depot Foundation’s annual Operation Surprise initiative was created to provide life-changing moments of surprise through service to our nation’s veterans. Giving back to veterans is personal to The Home Depot, as more than 35,000 of the company’s associates are veterans or military spouses.

Since 2011, The Home Depot Foundation has invested more than $500 million in veteran causes and helped renovate and enhance more than 60,000 veteran homes and facilities. This ensures more of our nation’s heroes have a safe, comfortable home that fits their individual needs.

Keep up with all the latest Home Depot news! Subscribe to our bi-weekly news update and get the top Built from Scratch stories delivered straight to your inbox.

SWORDS, Ireland, December 5, 2023 /3BL/ – Trane Technologies (NYSE:TT), a global climate innovator, is pleased to announce the Trane® XV20i Variable Speed Heat Pump with Trane Link has been named the best High-Efficiency Heat Pump in Good Housekeeping’s 2023 Home Renovation Awards. The annual award recognizes the top products and services in home improvement.

The XV20i Variable Speed Heat Pump with Trane Link is the latest example of heat pump innovation that builds on Trane Technologies’ position as an industry leader in sustainable heating, cooling and temperature control solutions. The system’s innovative design makes installation, maintenance and service smarter. Homeowners benefit from the technology of Trane Link and Trane Diagnostics which provide remote and predictive services to ensure accurate installations, and that give technicians performance data to set up, monitor and accurately troubleshoot one of the home’s most crucial systems.

Good Housekeeping Chief Technologist and Executive Technical Director Rachel Rothman renovated her home with the Trane heat pump, noticing an immediate decrease in energy costs and quieter operation. “Remote control through the Trane home app is a nice convenience,” she said, “for example enabling us to get the home at the optimal temperature before returning from a weekend away.”

“We’re extremely proud that Good Housekeeping has recognized the XV20i Variable Speed Heat Pump,” said Katie Davis, vice president of engineering and technology, Residential HVAC & Supply, Trane Technologies. “This system is a beacon of innovation, sustainability and quality for homeowners, who will benefit from its reliability as well as savings. The industry-leading technology designed into this system is the foundation for our next innovation, the cold climate heat pump.”

Field trials of Trane’s cold climate heat pump (CCHP) are underway, after the company’s prototype surpassed U.S. Department of Energy (DOE) requirements for the Residential Cold Climate Heat Pump Challenge. When tested at the DOE’s lab, the system exceeded testing requirements, performing in temperatures below the mandatory negative 20 degrees Fahrenheit DOE requirement.

The CCHP, along with current heat pumps like the XV20i, lessen the reliance on fossil fuels that emit harmful emissions proven to contribute to climate change. Solutions like these are helping Trane Technologies make significant progress toward its bold 2030 Sustainability Commitments, including the Gigaton Challenge, and its 2050 net-zero carbon emissions target. The company is first in its industry with near and long-term emissions reduction targets externally validated by the Science Based Targets initiative (SBTi).

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About Trane Technologies 
Trane Technologies is a global climate innovator. Through our strategic brands Trane® and Thermo King®, and our portfolio of environmentally responsible products and services, we bring efficient and sustainable climate solutions to buildings, homes and transportation. For more on Trane Technologies, visit tranetechnologies.com.

About Trane 
Trane – by Trane Technologies (NYSE: TT), a global climate innovator – creates comfortable, energy efficient indoor environments for commercial and residential applications. For more information, please visit www.trane.com or www.tranetechnologies.com.

This news release includes “forward-looking statements” within the meaning of securities laws, which are statements that are not historical facts, including statements that relate to our decarbonization innovations, our sustainability commitments and the anticipated impact of these innovations and commitments. These forward-looking statements are based on our current expectations and are subject to risks and uncertainties, which may cause actual results to differ materially from our current expectations. Factors that could cause such differences can be found in our Form 10-K for the year ended December 31, 2022, as well as our subsequent reports on Form 10-Q and other SEC filings. New risks and uncertainties arise from time to time, and it is impossible for us to predict these events or how they may affect the Company. We assume no obligation to update these forward-looking statements.

Originally published on Nielsen Insights

With an ever-expanding media landscape, audience preferences are pivotal. Creators and distributors want to engage audiences, and brands seek relevant content opportunities where their messages can truly resonate. Any meaningful engagement with audiences requires a deep understanding of people, but building meaningful relationships with Hispanic audiences can be more complex.

That complexity stems from the inherent nuances within the community—nuances that are critical considerations for any creator, distributor or brand thinking about engaging with Hispanic audiences. For those that invest in building trust with Hispanic audiences, the upside is significant.

“Building strong ties with Hispanic audiences goes beyond producing inclusive content and effective ads,” says Stacie de Armas, SVP of Diverse Insights and Intelligence at Nielsen. “Latinos value quality media and trustworthy content—the factors that lend authenticity and affirm credibility. Smart brands work within these ecosystems, boosting their standing and building loyalty among the community.”

According to our 2023 We Are All Human and Hispanic Sentiment Study, powered by Toluna, 84% of Latinos say they favor brands that play a positive role in their community, and 63% say they’re more likely to buy from brands that feature people like them in their advertising. 

To activate on these insights, brands and media companies can nurture relationships with the community by:

Ensuring cultural relatabilityAdvocating for authentic representationMaintaining consistent brand positioningDemonstrating responsibilityActively engaging with the community

Build trust through community

Representation, inclusion and cultural relevance are important well before consumers make purchase decisions. People are constantly exposed to brand messaging, and consumers recall brand messages even when they’re not considering a purchase. That’s why building strong brand sentiment, via authentically engaging with the community, is a critical step, regardless of where a person is within a purchase cycle. And when brands build positive sentiment with consumers, the consumers are more likely to become a customer when they ultimately seek to make a purchase.

Balancing language and relevance in media

Watching TV shows and consuming other forms of media hold different layers of significance for different audiences. For Hispanics, the focus isn’t solely on language proficiency or the language in which the content is delivered. Instead, it’s about striking a balance between language preference and the relevance of the content.

Our data highlights this complex relationship. Forty percent of Hispanics state that it’s important for shows to be in their preferred language, while an additional 32% find it somewhat important. Interestingly, this contrasts with 70% of non-Hispanic whites who find language an important factor in their media choices.

The numbers in the chart above (“The importance of watching programming in a preferred language“) show that Hispanics are highly adaptable when it comes to language; they’re open to consuming content in Spanish or English, provided the content is culturally meaningful and resonant, demonstrating that shared experiences can be more pivotal than language itself. The finding for media and advertisers is clear: Focus not just on the language of delivery, but also on creating content that fits seamlessly into the cultural tapestry of Hispanics’ lives.

In the evolving media landscape, one truth stands out with absolute clarity: the burgeoning opportunity within the Hispanic market. The key to effectively engaging the Hispanic community depends on understanding the critical nuances within this rich tapestry of cultures. A potent mix of cultural relatability, authenticity and inclusion will be the touchstones of successful interactions. Trust building is not an abstract concept; it demands a deep understanding of the individuals that make up the community, and those who invest in understanding stand to benefit the most.

For additional insights, download Nielsen’s 2023 Hispanic Diverse Intelligences Series report.

Advancing science for life is at the core of all we do at Boston Scientific. Our products treat and prevent a broad range of conditions that can diminish a person’s quality of life, including stroke. Affecting more than 12 million people annually, stroke happens when blood flow to the brain is reduced or blocked, and can cause lasting, debilitating symptoms.

Meet three employees across the globe who have found their purpose in innovating and advancing products that help people lower their risk of stroke, whether during a medical procedure or daily life.

A constant reminder of the “why” 

For senior research and development engineer Luis Lopez-de-Victoria, protecting patients is the reason he always puts his best foot forward at work. His focus area is the SENTINELTM Cerebral Protection System, a device that is used to protect patients against the risk of stroke during transcatheter aortic valve replacement heart (TAVR) procedures, an alternative to open-heart surgery.

“One of the ways a stroke can happen is during a TAVR procedure,” says Lopez-de-Victoria. “Embolic debris, such as valve tissue, can break loose and travel to the brain, which can block blood flow.” SENTINEL is designed to “catch” this debris before it travels to the brain.

After starting his career in the aerospace industry, Lopez-de-Victoria made the transition to Boston Scientific — and the health care field — almost three years ago and hasn’t looked back. “What inspires me most about the company are the people, and the mindset that we all share one common goal: putting the patient first,” he says.

Lopez-de-Victoria and his team in Maple Grove, Minnesota, specialize in sustainment engineering, which involves gathering feedback from customers and physicians so the team can continuously adapt SENTINEL to meet evolving unmet needs and help more patients.

Besides his interest in technology, Lopez-de-Victoria has a deeply personal motivator in his role. “My mom had a stroke a few years ago,” he says. “Thankfully, it was a minor one and she has since recovered, but it’s a constant reminder of the ‘why’ behind our work. If I can help prevent one person — one family — from experiencing the effects of stroke, then that’s everything.”

Seeing the whole picture for stroke prevention

As a production director, Colm Sheils is focused on continuously improving processes and adapting them as the company develops new products.

Sheils and his team in Galway, Ireland, touch several technologies that help lower stroke risk, including the WATCHMANTM Left Atrial Appendage Closure (LAAC) device. It’s designed to lower stroke risk in patients with non-valvular atrial fibrillation (AFib), a condition in which the heart doesn’t pump blood normally, causing clots to form. When clots escape, they can cut off oxygen to the brain, causing a stroke.

“I think almost everyone knows someone who’s had a stroke, and so this job hits close to home,” says Sheils, who emphasizes the importance of employees seeing the whole picture when it comes to the technology they support. “For example, our product builders regularly engage in line tours not just of the area they are working in, but of the complete line to see how the whole product comes together — and most importantly, its impact for the patient,” he says.

A life-changing experience

While Lopez-de-Victoria and Sheils support the R&D and production of products that cut down on stroke risk, Tami Egawa’s focus is on educating physicians and patients about the latest, cutting-edge technologies available to them.

As a director of sales and education based in Japan, Egawa interacts with health care providers regularly to raise awareness of products like the WATCHMAN LAAC device, which was approved in Japan in 2019. In addition to lowering stroke risk, the WATCHMAN eliminates the need for anticoagulants which can have side effects — such as stomach bleeding — that can negatively affect a person’s quality of life.

“The ability to stop taking blood thinners and no longer worry about stroke matters a great deal to many patients in Japan,” says Egawa, noting that people of Asian descent suffer a higher risk of bleeding with anticoagulants compared with non-Asians. “I’ve spoken with people who were afraid to cook for their families for fear of cutting themselves, or who stopped wearing sleeveless shirts because of bruising on their arms from the blood thinners. The WATCHMAN is life-changing for these people, and I’m humbled to be able to play a small part in their journeys.”

To learn more about careers and apply for a job at Boston Scientific, visit our careers site.

View original content here.

Originally published on U.S. Bank company blog

The U.S. Bank Phoenix Uptown branch has proudly served local businesses and customers for the past 40 years. It recently underwent a facelift to better reflect its customers and neighbors by becoming the bank’s newest LGBTQ+ flagship.

The branch is right around the corner from Phoenix’s historic Melrose neighborhood, which has a number of LGBTQ+ owned-businesses and community members. As part of the redesign, the location features an updated interior and exterior design that pays tribute to the LGBTQ+ culture, such as exterior window signage and LGBTQ+ themed artwork throughout.

Additionally, the branch is staffed with members and allies of the community to signal that it is a safe space for LGBTQ+ customers to do their banking while being their authentic selves without any fear of stigma or judgement, said Dom Sims, U.S. Bank geographic lead for Arizona’s LGBTQ+ Business Resource Group. It’s the bank’s newest LGBTQ+ flagship, joining others located in Capitol Hill in Seattle, Castro District in San Francisco and Lakeview East in Chicago.

Members of the community and local LGBTQ+ focused nonprofit one•n•ten recently joined branch staff and market leadership to officially redesignate the Phoenix Uptown branch to an LGBTQ+ flagship. It’s a visible representation of how U.S. Bank sees the future of branch banking – one that blends its significant investments in digital tools with the irreplaceable value of building meaningful relationships with the surrounding community, Sims said.

“It’s important now more than ever to show up for the community and show them that we are here to help them succeed financially,” Sims said. “It’s important to have spaces where the community is welcomed and accepted no matter how they identify. Everyone should have the freedom to be themselves and not have to worry about whether or not their banker will treat them unfavorably if they walk in with a same-sex partner, or if their appearance doesn’t necessarily match their identity.”

For the past 16 years, U.S. Bank received a score of 100 on the Human Rights Campaign Foundation’s Corporate Equality Index, the nation’s foremost benchmarking survey and report measuring corporate policies and practices related to LGBTQ workplace equality. The award in part recognizes the contributions of the company’s Spectrum LGBTQ Business Resource Group, launched in 2012 to help LGBTQ+ employees connect with members of their community and grow personally and professionally. Since then, the bank’s commitment to the LGBTQ community continues to grow for its customers, communities and colleagues, most recently evidenced by the opening its newest LGBTQ+ flagship branch in Phoenix.

Along with actively participating in more than 45 Pride events across the country, U.S. Bank offers products and services tailored to the LGBTQ+ community. Branch employees have content and training aimed to help LGBTQ+ community members and same-sex couples navigate their finances. Focusing on wealth management, the bank provides content tailored to financial realities for modern families at USBank.com/LGBTQ, such as financial planning for same sex couples, same sex wedding planning and modern estate planning.

Check out the video above to see how U.S. Bank celebrated the grand opening of its newest LGBTQ+ flagship branch.

For the second time, Henkel is presenting the “Martha Schwarzkopf Award for Women in Science,” a research prize to promote and honor outstanding female scientists in the field of hair research. The three winners of this year’s award have been honored in Düsseldorf and, in addition to prize money, will also receive the offer of scientific exchange and support for their research work by Henkel experts.

Equal opportunities and gender equality are integral parts of Henkel’s corporate culture. That’s why Henkel supports women in a wide variety of areas – inside and outside the company. As women continue to be underrepresented in the field of research, Henkel has launched the Martha Schwarzkopf Award for Women in Science last year as one example to support women in science. With the award, Henkel is committed to promoting talented women in science and supporting them in their research projects. “We are very pleased to further strengthen our scientific network in the field of hair research with this year’s winners of the Martha Schwarzkopf Award for Women in Science. At the same time, we support outstanding female researchers in advancing the science of hair and the hair follicle and thus gain new insights to continuously improve the lives of our customers,” says Frank Meyer, Head of R&D Henkel Consumer Brands.

The Martha Schwarzkopf Award is a research prize open to international female scientists from the fields of life sciences, physical and medical sciences, as well as computer sciences. This year’s winner specialize in hair research or related fields, such as textile and wool fiber research, the analysis of biological surfaces or the interaction of substances with hair or scalp. The winners are thus carrying on the tradition of the laboratories initiated by Martha Schwarzkopf, which were already researching human hair in the 20th century.

In recognition of their scientific achievements, the winners receive a prize money as well as the opportunity to be mentored by Henkel experts to further advance their research. All applications were reviewed under scientific aspects by an expert jury of scientists from Henkel Consumer Brands R&D. The winners were announced during an award ceremony in Düsseldorf on November 21. “We are very pleased that we have received so many qualified applications and were able to once more honor three female researchers. We are particularly pleased that we were able to fulfill our ambition of making the award even more international this year,” says Andrea Sättler, Corporate Director R&D at Henkel Consumer Brands and Chair of the Martha Schwarzkopf Award expert jury.

About the winners

This year’s winners convinced the expert jury with their innovative strength, their pioneering spirit and the high relevance of their research. Andrea Sättler emphasizes that the diversity of hair research is perfectly represented by the applications and the winners’ different life paths, experiences, and research directions.

This year’s first place went to Dr. Claire Higgins from Imperial College in London, who receives a prize money of 10,000 euros. She is the president of the European Hair Research Society and has been focusing her research on human hair follicles and their skin environment for over 20 years. She is internationally recognized for her work on hair ageing. For the future, she hopes that scientific work like hers will contribute to effective technologies and patented products that can help people suffering from hair ageing.

The prize money of 5,000 euros for the second place went to Prof. Dr. Yan Zhang from the Shanghai Jiao Tong University. As a member of various Chinese and Asian scientific societies, Prof. Dr. Zhang can already look back on a career spanning more than 30 years, in which she has focused on glycobiological relationships in medicine and immunology. She was the first to systematically illustrate the connection between the physiological conditions of the host, the demographics, the microbiota of the commensals and the formation of dandruff.

The award for the most promising “emerging talent” is also endowed with 5,000 euros and went to Dr. Yan Huang from the Icahn School of Medicine in Mount Sinai, New York. In her dissertation, which she completed at the beginning of this year at the Fudan University in Shanghai, Dr. Huang deals with the pathogenesis and treatment of androgenetic alopecia areata. Her goal is to translate her research findings into clinical applications to help patients.

As we revel in the joy of the holiday season, it’s important to remember that 2.3 billion of the world’s children are ensnared in the harsh realities of conflict, both in distant regions and right within our own communities.

Save the Children stands as a beacon of hope for children worldwide, working to alleviate suffering and build brighter futures for vulnerable young lives. The organization’s work extends across a spectrum of services ranging from healthcare and education to protection, emergency response, policy advocacy, and local empowerment programs.

In 2023, Save the Children has been at the forefront of some of the world’s most pressing conflicts. From providing aid in the aftermath of the Turkey-Syria earthquake to offering support in the war-torn regions of Ukraine and addressing the ongoing conflict between Israel and Gaza, the organization has demonstrated unwavering commitment to children caught in the crossfires.

We invited Perry Yeatman, Head of Corporate at Save the Children, to speak to the organization’s remarkable century-long impact and how it is forging partnerships to create positive change for the children of the world.

Listen for insights on:

Five considerations for companies partnering with an NGOGuidelines for respectful and effective on-the-ground support (in conflict zones?)Insights on collecting stories from beneficiariesMoving away from the “savior mentality” in communications

CLEVELAND, December 5, 2023 /3BL/ — In the latest demonstration of its commitment to helping clients move forward on their individual financial journeys, KeyBank (NYSE:KEY) today announced expanded relationship benefits to enhance the banking experience and unlock new benefits, including discounted rates on personal loans and home lending products. These updates are the next step on Key’s continuing journey to offer consumers more flexibility, convenience, and financial peace of mind.

“At Key, relationships are at the heart of what we do, and we are committed to helping clients open doors to their financial futures,” said Jeannie Fanning, Director of Relationship Growth at KeyBank. “We aim to empower our clients with the knowledge, flexibility, and capabilities they need to meet their goals, and we are thrilled to be on this journey with them.”

Expanded relationship benefits make banking with Key more rewarding than ever

In July, Key launched a simplified definition to earn Relationship benefits to make it easier for clients to receive better rates on eligible deposit accounts1 and 2% cashback on the Key Cashback® credit card2, Key’s highest cash back level. Key is now extending its relationship benefits across additional products, including personal loans and home lending products.

There is no enrollment required for Key’s relationship benefits. Clients must bank with Key, meaning they have one eligible KeyBank checking account that they use for five or more qualifying transactions a month — and that’s the only requirement for clients to earn relationship banking benefits. To take advantage of the perks, clients simply need to open any other eligible KeyBank product and enjoy the relationship benefits that come with it. To learn more, visit key.com/relationship.

Discounted rates on new personal loans allow clients to flex their finances and priorities

In addition to relationship benefits on eligible savings and credit card accounts, starting November 15, relationship clients receive a 0.50% interest rate discount on new loans, including Personal (Debt Consolidation), Auto, Motorcycle, RV, Boat, and Unsecured Home Improvement loans.3 With total U.S. household debt rising to over $17 trillion in the second quarter of 2023, Key’s reduced interest rates can offer relationship clients more flexibility as they work toward their financial goals. For more information, visit key.com/relationship. When combined with the 0.25% discount for autopay, this brings the benefit discount to 0.75%.

Relationship benefits for home lending products aim to make homeownership more attainable

In addition to discounted rates on personal loans, Key’s expanded relationship benefits include a 0.25% interest rate discount on new KeyBank mortgages, Home Equity loans or Home Equity Lines of Credit (HELOC)4 when clients have a KeyBank checking account with five or more qualifying transactions each month, or when they sign up for automatic payments from a KeyBank account. More information is available here.

Additional perks and discounts aim to help all clients on their financial journeys

To help make banking with Key more rewarding for all clients, additional perks and discounts that do not require clients to qualify for relationship benefits are also available. KeyBank clients can receive a 25% discount on estate planning by visiting Trust & Will. These easy-to-use products help clients easily and securely create an estate plan in minutes. 

KeyBank clients also receive an enhanced CD rate when they have a Key Select CheckingSM, Key Private Client®, Key Privilege Checking®, Key Privilege Select Checking®, or Key Advantage account®, and the benefit of Key Coverage ZoneSM5, where, when client accounts overdrawn by $20 or less at the end of day, they are not charged KeyBank overdraft fees.

Other current offerings aimed at helping clients take control of their finances include:

Key Select CheckingSM. Awards qualifying clients with multiple benefits, such as an annual cash bonus, monthly fee waivers, lowered fees, and ATM benefits.Immediate FundsSM. Offers consumer and small business client’s access to full deposit amounts instantly.Key Secured Credit Card®. Provides eligible clients with simple access to credit, helps them develop good spending habits and provides an educational foundation for future credit cards.KeyBank Hassle-Free Account®. A Bank On certified product with no overdraft fees, monthly maintenance service charges or minimum balance fees.KeyBank Neighbors First CreditSM and Home Buyer CreditTM 6. Help make the dream of home ownership a reality by providing up to $5,000 to homebuyers purchasing a home in an eligible community to be used for closing and prepaid costs that may come with financing a new home. This includes mortgage, flood and hazard insurance, escrow deposit, real estate taxes and per diem interest.

“We take great pride in being a relationship bank that is committed to helping our clients thrive. Every day, we work hard to exceed our clients’ expectations and deliver more to them in return as a thank you for their relationship,” said Fanning.

About KeyCorp

KeyCorp’s roots trace back nearly 200 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation’s largest bank-based financial services companies, with assets of approximately $188 billion at September 30, 2023.

Key provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of approximately 1,000 branches and approximately 1,300 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. For more information, visit https://www.key.com/. KeyBank is Member FDIC.

NMLS #399797. © 2023 KeyCorp.

CFMA #231130-2353730

Relationship Benefits Disclosures

To earn relationship benefits you must “Bank with Key”. “Bank with Key” means you: (1) are an owner of a “Relationship Account”, meaning (A) an open “Eligible KeyBank Consumer Checking Account” with five (5) or more Qualifying Transactions posted to a single Eligible KeyBank Consumer Checking Account in a calendar month, which may not be aggregated across other accounts you own, OR (B) an open Key Private Bank Checking or Key Private Bank Personal Checking account, AND (2) are an owner of at least one additional eligible KeyBank non-Checking account (“Plus 1 Account”).

An “Eligible KeyBank Consumer Checking Account” means: any KeyBank consumer checking account designated as a personal checking account by KeyBank, including KeyBank’s Hassle-Free checking account, but excluding a health savings account.

“Plus 1 Accounts” include any savings, lending, credit card, or investment product.

“Qualifying Transactions” include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash or direct deposits, and electronic funds transfers. Qualifying Transactions exclude adjustments, advances, reversals, refunds, account to account transfers, person-to-person transfers, interest, service charges, and service fees. Qualifying Transactions must be completed at least three (3) business days prior to application to be eligible for inclusion in determining whether you met the Relationship Account portion of the Bank with Key criteria.

Once your Bank with Key status is obtained you must meet the Bank with Key criteria each calendar month to maintain this status. If you fail to meet the Qualifying Transaction requirements of the Relationship Account portion of the Bank with Key criteria you will automatically be enrolled in a grace period for the first month (the “Grace Month”) and will be eligible for relationship benefits throughout the Grace Month. If you fail to meet the Qualifying Transaction requirements of the Relationship Account portion of the Bank with Key criteria during the Grace Month, you will no longer receive relationship benefits in the next calendar month, unless otherwise stated. If you close all of your Relationship Account(s) or your Plus 1 Account you will no longer meet the Bank with Key criteria and will not receive a Grace Month, meaning you will lose relationship benefits starting the calendar month immediately following the month in which you closed your Relationship Account(s) or your Plus 1 Account, unless otherwise stated.

For KeyBank interest bearing checking, money market savings and Cashback Credit Card accounts, application of relationship benefits will be determine based upon whether you have met the Qualifying Transaction requirements of the Relationship Account portion of the Bank with Key criteria for the current calendar month based on the Qualifying Transaction activity in your Relationship Account during the prior calendar month. Other terms, conditions, and/or limitations may apply. See the respective footnote below and/or contact KeyBank for more details.

For KeyBank Home Lending accounts, to receive relationship benefits on a new KeyBank mortgage loan, which provides a 0.25% interest rate reduction, you must have owned a Relationship Account (as defined and required above) at any time during the mortgage loan application process, but no later than seven (7) business days prior to the closing of the mortgage loan. This Interest rate reduction is available on new KeyBank mortgage loan applications only. Other terms, conditions, and/or limitations may apply. See the respective footnote below and/or contact KeyBank Home Lending for more details.

For KeyBank personal loans, application of relationship benefits will be determined based upon whether you own a Relationship Account (as defined and required above) at the time of final approval. Other terms, conditions, and/or limitations may apply. See the respective footnote below and/or contact KeyBank for more details.

1. Interest Bearing Checking and Money Market Savings Account: This Account pays interest at a variable interest rate and rates may vary based on the balance in your Account. We may change the interest rate and APY at our discretion and as often as daily. There are no limits on the amount that the interest rate or APY may change. The interest rate and APY for this Account may vary based on multiple factors including, but not limited to: your overall relationship with the bank as defined by other Accounts you have, the balances in all of your Accounts, Account location, Account usage and other bank services you use. At any time after Account opening, you may be eligible for Relationship interest rates when you Bank with Key. Your Account will begin to earn interest at Relationship interest rate during the first full week of the month following the month you meet these requirements. To find out what the current Relationship interest rates and APYs are, contact your local branch.

Immediate Funds: Immediate FundsSM. is available in the KeyBank mobile app and will only appear as an option for eligible mobile check deposits. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2. Immediate Funds requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy

2. Cashback Credit Card: To be eligible for 2% in Cashback Rewards, you must have an eligible open KeyBank consumer checking account (excluding a health savings account) with 5 or more qualifying transactions posted to that same checking account in a calendar month. Qualifying transactions include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash, or direct deposits, and electronic funds transfers. You may also be eligible for 2% with an open eligible Key Private Bank checking account. On the fourth business day of each month (“Evaluation Date”), we will determine whether you are entitled to earn 2% in Cashback Rewards by meeting the eligibility criteria during the prior month. Your 2% earnings will start on this date and apply until your next monthly evaluation (on the fourth business day of the following calendar month). New card accounts will receive at least a full calendar month at the 2% cashback rate prior to the first Evaluation Date. You will receive a grace period for the first month in which you do not meet the eligibility criteria. If you do not meet the eligibility criteria during the grace period, your rate for the month immediately following the grace period will be 1%, beginning on the Evaluation Date. Cashback Rewards are awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. Returns will reduce your Cashback Rewards balance. See key.com/cashback for transaction exclusions and additional details, which are subject to change and may be found at key.com/personal/credit-cards/key-cashback-terms-conditions.html Key Cashback Credit Card Terms and Conditions.

3. Personal Lending: The quoted Annual Percentage Rate (“APR”) includes a 0.25% interest rate discount for electing, prior to loan account closing, to have the monthly payment automatically deducted from a KeyBank checking account (“Auto-Pay”). Standard checking account service charges may apply. If you choose not to enroll in Auto-Pay, the associated discount will not be applied. The Auto-Pay interest rate discount may be combined with the KeyBank Relationship Banking discount.

To receive relationship benefits on a new KeyBank personal loan, which provides a 0.50% interest rate discount, you must have owned a Relationship Account (as defined and required in the above Relationship Benefits footnote) at any time during the loan application process. The 0.50% interest rate discount is permanent and will be reflected in the interest rate on the Promissory Note

4. Home Lending: To receive relationship benefits on a new KeyBank mortgage loan, which provides a 0.25% interest rate reduction, you must have owned a Relationship Account (as defined and required in the above Relationship Benefits footnote) at any time during the mortgage loan application process, but no later than seven (7) business days prior to the closing of the mortgage loan. This Interest rate reduction is available on new KeyBank mortgage loan applications only.

As an alternative to the relationship benefit, you may obtain a 0.25% interest rate reduction if you complete and submit, no later than seven (7) business days prior to the closing of the mortgage loan, the Monthly Automatic Payment form to have your recurring mortgage payment for your KeyBank mortgage loan automatically deducted from an “Eligible KeyBank Consumer Checking Account” (as defined in the above (Relationship Benefits) footnote). Refer to the Monthly Automatic Payment form for more details.

For fixed-rate mortgages, the 0.25% interest rate reduction will be reflected in the interest rate on the Promissory Note. For adjustable-rate mortgages (“ARMs”), the 0.25% interest rate reduction will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase over the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note or Agreement.

The 0.25% interest rate reduction may not be combined with certain other discounts or promotions and may not be available for all home lending products. Other terms, conditions, and/or limitations may apply. Contact KeyBank Home Lending for more details.

5. Key Coverage Zone: Overdraft Item Charges are $20 per item. Charges apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft charges will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in authorizing Key to pay these items into overdraft and assess a charge. You agree to pay us the full amount of any overdraft on your Account immediately upon demand, together with any additional charges we assess. KeyBank’s approval of overdrafts is a discretionary courtesy. For Consumer accounts: No charges will be assessed when the account is overdrawn twenty ($20) dollars or less at the end of the day. Overdraft charges are assessed on up to three (3) items per day, with the maximum not to exceed $60 per day per account. Overdraft charges may not post on the same day as the transaction which triggers the fee(s). There is a cap of 20 assessed overdraft charges within a monthly statement period. If at the end of the day, your account’s overdrawn available balance is more than $20 for 5 consecutive business days, an additional $20 Recurring Overdraft Service Charge will be assessed. See your accounts Personal Checking Account Fees and Disclosures (LINK) for additional information.

6.KeyBank Neighbors First CreditSM and Home Buyer CreditTM: Special Purpose Credit Programs are, generally, programs that are established to meet special social needs or the needs of economically disadvantaged persons by extending credit to persons who would probably be denied credit or would receive it on less favorable terms, under certain conditions. See 15 U.S.C. § 1691(c)(1)-(3); 12 C.F.R. § 1002.8(a).

Available on primary residence first lien purchases only. Property must be located in an eligible community in KeyBank’s retail footprint or Florida. Eligible communities are determined by KeyBank and subject to change without notice. Additional terms or restrictions may apply. Ask us for details.

Mortgages, personal loans and credit cards are not FDIC insured or guaranteed. Equal Housing Lender. NMLS# 399797 All loans subject to collateral and/or credit approval.

Nasdaq

To help companies make sense of the progress and avoid confusion, the Nasdaq IR Intelligence team recently leveraged our own, newly-launched Nasdaq Sustainable Lens™ to review, analyze, and summarize sustainability and ESG reports, financial filings, and other ESG documents[1] published over the past three years. The team also leveraged AI and internal subject matter experts to analyze regulatory text and surface common disclosure requirements in final and proposed sustainability, ESG, and climate regulations.

7.2K 
PUBLICLY TRADED COMPANIES

59 
INDUSTRIES

75 
COUNTRIES

1.6K 
PAGES OF REGULATORY STANDARD TEXT ANALYZED

1.5K 
METRICS ANALYZED TO IDENTIFY ROUTINE AND BASELINE METRICS

The Nasdaq IR Intelligence team’s research indicates:

Global Standards Picture Became Clearer in 2023 (But Confusion Still Remains) 
Climate is the one area in which regulators are generally aligned—45% of the final and proposed rules and regulations that we reviewed are climate-focused.Climate Reporting Gaps Abound 
Only 44% of the companies analyzed provide climate-related disclosures aligned with the CSRD, ISSB sustainability and climate-related standards, and the SEC’s climate-related proposed rules.Human Capital is a Tale of Two Cities 
Human capital disclosures are an area where companies reviewed are both leading and lagging in current disclosures.Governance Through a New Lens Surfaces Gaps 
The recently issued ESRS under CSRD governance disclosure standards surface gaps for companies.“ESG” Continues to be Widely Used 
“Sustainability” is the most used report name globally and “ESG” also doesn’t seem to be going away.

Nasdaq Sustainable Lens

In response to trends and technology advancements, the Nasdaq IR Intelligence team has developed Nasdaq Sustainable Lens, an ESG intelligence platform that harnesses the power of AI to help companies make better decisions faster, boost productivity, and enhance credibility.
Learn More ->

[1] Includes Task Force on Climate-Related Financial Disclosures (TCFD) reports, Sustainability Accounting Standards Board (SASB) indices, Global Reporting Initiative (GRI) indices, and policy documents

Originally published by Midway Currents

As exclusive presenting sponsor of Midway’s STEM education Distance Learning Field Trip programs, Midway’s Damage Control Shipboard Engineering program, the popular Math on Midway Student Tour app, and Midway’s new Introduction to Computer Science program, Qualcomm Incorporated’s support has elevated and helped improve many Midway education initiatives. This is all in addition to partnering with Midway to support the No Child Left Ashore scholarship fund and exclusive presenting sponsorship of Midway’s Veterans Day Celebration.

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