Banking activities or transactions that occur at ATM machines located outsidethe premises of the bank, usually in malls or markets.

A percentage of the total coverage amount that is in effect at a location that is not covered in the details of the policy

The period of the year when the demand of a particular good or a service is the lowest in the annual cycle.

Failure to meet the prescribed specifications or standards.

The non keeping of an official record for a payment or receipt of money

The training of employees at a location other than the usual work location, through the use of simulation, lectures,etc.

A statement that is intended to be a part of the proceedings such as a court case.

items such as machinery and other goods that commercially produced, standardized and ready-made.

An asset that is not yet recorded on the balance sheet, but that which has a good sign of growing in economic value in the near future.

Items such as litigation procedures which are usually not reflected as an expense on the balance statement. However, they do need to be repaid at a later date.

A partnership between two companies to raise investment capital. Often, companies resort to the formation of illegal partnerships.

A strategy implemented by a company that intends to stay ahead of its competition, through investments in technology and research and development. This strategy is particularly useful when trying to change the

A taxpayer can pay an amount less than the amount owed for tax liabilities, under this agreement between the IRS and the taxpayer. This only comes into effect if the IRS gets

A public advertisement offering all individuals a reward, usually a monetary compensation in exchange for some valuable information that the individual is aware of.

The use of automated machines to carry out tasks that would otherwise require a person with clerical skills to communicate, document and complete tasks.

An insurance policy with a low limit that insures office equipment and supplies against robbery or loss.

Assets such as furniture and computers that are absolutely essential to the operations of the company

A executive agency under the federal government that works closely with the President to provide recommendations with regards to budgetary matters such as the preparation of the budget that will be reviewed

A department for federal government employees that deal with human resources. The OPM provides valuable services such as recommendation of certain individuals for promotion, innovationin the field of human resource practice and

An executive department under the U.S government that handles matter related to the international trade policy. The USTR recommends trade policies and takes part in trade negotiations by working closely with the