The Information We Collect

To help us achieve our goal of providing the highest quality services, we collect and apply information from our interactions with visitors, subscribers and users to the AmosWEB site. Because we respect your privacy, we have procedures to ensure that your Personal Information is handled in a safe, secure, and responsible manner. The information we receive and collect depends on what a visitor, subscriber or user does when visiting one of the AmosWEB sites.

In general, AmosWEB users are able to visit many of our Web pages without telling us who they are or revealing any information about themselves. As discussed under "Usage Data" below, we may track the Internet domain or "Internet protocol" addresses from which users visit us and analyze this data in the aggregate to determine usage for trends and statistics. Individual users will remain anonymous, unless they voluntarily tell us who they are.

Usage Data

AmosWEB only uses Usage Data in the aggregate -- that is, we look at the data on a collective basis, in summary form, rather than on an individual basis. This data helps us determine the extent to which our visitors use certain parts of an AmosWEB site, which, in turn, enables us to make the AmosWEB pages as appealing as possible.

User Communications

As a benefit of subscription membership, AmosWEB site users or subscribers may receive the following communications from us:

• Communications related to subscription maintenance activities. These communications may include, without limitation, notices regarding material changes to AmosWEB site policies, service updates, service enhancements, and account management procedures. Since these communications are necessary to ensure AmosWEB provides its users or subscribers with the highest quality of services, our users or subscribers are not permitted to opt out from receipt of these communications.


• Communications containing information about AmosWEB products and services. We may send promotional e-mails and other outbound communications to AmosWEB site users or subscribers regarding products and services from AmosWEB. Any AmosWEB site user or subscriber that does not wish to receive such product and service communications can choose to remove his or her contact information from our contact list at any time by following the instructions at the bottom of any promotional e-mail

Disclosure Exceptions

AmosWEB will disclose information we maintain when required to do so by law; for example, in response to a court order or a subpoena. AmosWEB also may disclose such information in response to a law enforcement agency's request.

AmosWEB Commitment to Security

AmosWEB only collects information from AmosWEB site Users to the extent deemed reasonably necessary to serve its legitimate business purposes, and it uses state-of-the-art security technology to ensure the security, integrity, and privacy of all collected information. In addition, AmosWEB uses security measures in connection with the collection and transmission of AmosWEB site User information during each AmosWEB site's registration process. Nonetheless, AmosWEB is not responsible for any breach of its security or for the actions of any third parties that may obtain any AmosWEB site User information, including Personal and Institutional Information.

AmosWEB Links to Other Web sites

The AmosWEB site contains links to other Web sites. AmosWEB is not responsible for the privacy practices or content of these third-party Web sites. We urge all AmosWEB site users to follow safe Internet practices: Do not supply personal information to these Web sites unless you have verified their security and privacy policies.

Your Consent and Changes to Privacy Policy

This Privacy Policy was last changed on January 14, 2006. By using the AmosWEB site, you consent to the collection and use of your information by AmosWEB in the manner specified in this Privacy Policy. AmosWEB reserves the right to change or amend this Privacy Policy at any time by posting the revised Privacy Policy on the AmosWEB site.

The reserves (vault cash and Federal Reserve deposits) that banks have over and above what they are required by government to keep to back up deposits. The primary use of excess reserves, also termed free reserves, is for loans to consumers and businesses. Because reserves do not generate interest, revenue, or profit, banks are inclined to keep as few excess reserves as possible.

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Dr. Nova Cain, DDS, has her office in the mini-mall just north of city hall. You know the sort of mini-mall. It has a branch of Interstate OmniBank, Smilin' Ted's All-Comers Insurance Agency, an auto parts store, a branch of the public library, and four chiropractors.

Dr. Cain's location near the Shady Valley City Hall is most fortunate. One of my back molars is beginning to shoot sharp pains through my eyeball, into my brain, and out the back of my head. I've been meaning to stop by for a cleaning and check up, but, well, the thought of sharp needles and high-speed drills grinding away large portions of my teeth convinced me that other activities were more important.

Now, however, just as we're trying to trek through the complexities of the economy, that back molar has decided to throb incessantly. It's best if I stop in and let the kind and (hopefully) gentle Dr. Cain check it out.

Guess what? ROOT CANAL!
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Visit the PEDestrian's Guide

Today, you are likely to spend a great deal of time at a crowded estate auction wanting to buy either a large red and white striped beach towel or a bottle of blackcherry flavored spring water. Be on the lookout for telephone calls from former employers.
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This isn't me! What am I?

-- Albert Schweitzer, theologian, physician

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