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Union Bank Unveils Banking By Design

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Customized, “unbundled” checking account gives customers greater control over their day-to-day finances

SAN FRANCISCO – Union Bank, N.A., recently unveiled Banking By DesignSM an innovative new way of banking, which allows customers to design a checking account that fits their needs. Banking By Design “unbundles” the traditional checking account and offers a wide range of optional features, each with associated costs clearly visible and with many at no cost.

New and existing Union Bank customers can design their own checking account by choosing only the services they want. The base cost of $3 per month can easily be waived if the customer makes one direct deposit of $250 or more each statement period. Consumers can design their account at bankingbydesign.com, and after customizing it, they can call or visit a Union Bank branch to open the account. Accounts can also be designed in a Union Bank branch with the support of a personal banker, and the ability for consumers to open their Banking By Design account online after customizing will go live in January 2013, giving them yet another convenient option.

“Banking By Design was created in direct response to consumer research and demand for control and transparency in their banking, and its innovation builds on the idea that today’s consumer expects the ability to customize the products and services that are important to them,” said Union Bank Senior Executive Vice President Pierre P. Habis, head of Community Banking. “Consumers made it clear that they want a fair value exchange – they only want to pay for what they need. Banking By Design delivers on that, and we know this will be a welcome shift for consumers when it comes to their banking relationship with Union Bank.”

“Many categories today require consumers to choose from bundles at a set cost, while other categories, such as the computer industry, have evolved to enable consumers to customize a product based on their needs. With Banking By Design, we are bringing this approach to banking,” explains Union Bank Senior Vice President Maha Madain, head of Consumer Deposits and chief designer of Banking By Design. “Banking By Design is the future of responsible, transparent and responsive banking.”

Banking By Design’s initial offering is only the beginning as additional feature enhancements are already planned for 2013. The Banking By Design Web site design team from Eleven Inc. includes Human Factors Engineer Michael Neuman, formerly with Apple®. In support of the launch, Union Bank is debuting a new advertising campaign, and will also be adding an interactive viral component that allows users to create a Banking By Design commercial with an opportunity for their commercial to air on television in 2013.

To learn more about Union Bank’s Banking By Design or to design your own checking account, visit bankingbydesign.com.

Local Student Contributor: Happy Halloween!

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Halloween. The holiday where you get loads of candy, and can change your identity. There are many things you need to prepare for a successful holiday. At my school, Pacific High School in the SBCUSD there is a mini carnival with a movie and games hosted by the drama club after school. ASB is hosting a costume contest during school. So no matter what age you are, or your interest, there are many ways to be spirited.

For instance, your costume: Being in high school myself, I need to choose a costume that is fun and stylish at the same time. It’s still “cool” to dress up in high school just make sure your comfortable and own the identity you’re borrowing for the day. Keeping it cool and real, make sure the accessories such as bling and makeup are 2nd to none. Most of all be spirited, safe, and have fun!

Decorating is a humongous deal: Many Harvest festivals are the week before Halloween. The people came in costume for games, candy, and a safe environment. The booth with the best and loudest theme always has the biggest crowd being the popular spot of the entire night. At her pre-school, Peyton Brown says her schools hot spot was the super bounce house and the cakewalk.

For all the trick or treating people, traveling to an upper-crust area with well-decorated homes is the most appealing because the persona is you will receive super sized candy bars (not the fun sizes).

Homes with elaborate displays will bring in the big crowds. These are normally the adults who put the added touch in both tricking and treating. My neighbors across the street have that house this year.

They have pumpkins everywhere, orange lights that trim the entire front of the home, and an apple bobbing display on the front porch. They are a sure win for the most popular house on the block to attract a huge crowd.

Halloween is a blast but you have to be safe. You don’t necessarily need to go trick or treating with your parents if you’re a teen. I suggest going in a group of at least four friends. This way you can all keep track of each other and enjoy your night of tricks and treats.

Whatever your plans are this Halloween, remember to have fun, be safe, and don’t eat too much candy!

Meet The Chef Who Feeds California's Pickiest Eaters —Your Kids!

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Ryan Douglas has worked as a chef preparing students' meals for eight years -- first at the University of California, Riverside campus, and for the last five years, with the Riverside School District. There he oversees 34,000 meals a day, including breakfast, lunch, and even supper.

Douglas is at the forefront of a revolution in school meals going on in school districts across California and the country.

Gone are the pre-cooked, high-fat meals where students couldn’t always name the food they were eating. In are salad and fruit bars, lemon-herbed chicken, whole grain breads -- foods that help students live healthier lives and do better at school.

A new law called the Healthy, Hunger-Free Kids Act went into effect July 1 that requires schools to meet higher nutrition standards. Here's how Chef Douglas is offering students great tasting food that follow the new guidelines: "We take a whole protein and we add different seasonings and flavors to it, so we have our BBQ chicken, our lemon herb chicken, our grilled ranch chicken and our sesame teriyaki chicken. We present these, we showcase these, on a grill so that when the kids come out it's showcased, its garnished, it's smelling good -- and the kids come out and you look like you’ve been slaving over this grill all day for them. We're giving them a viable, healthy product."

These meals are available at very low prices to all students, and for free or less than $1 a meal for students who qualify.

Approximately 1 million California students are eligible for free or reduced price lunches but don’t participate in the program.

Parents are telling Chef Ryan they’ve noticed their children want healthier food at home, while teachers are reporting that students’ attendance rates are rising and they're more focused in the classroom.

Call your child’s school today to find out about how to enroll in it’s heal thy meal s program.

SB Clergy Association Hosts Thanksgiving Interfaith Service

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The San Bernardino Clergy Association (SBCA) cordially invites the public, congregations and clergy of all religious institutions of the greater San Bernardino area to its “2012 Interfaith Thanksgiving Service” that will be held at 7 p.m., Tuesday, November 20 at First Congregational Church UCC located at 3041 N. Sierra Way in San Bernardino, CA.

The worship service will include inspiring music with participation by choirs of local religious institutions.

The SBCA is asking that attendees bring a canned food item that will be collected and donated to Cornerstone Church for distribution to residents in the community in need.

A collection will also be taken and the proceeds will be donated to aid Frazee Community Center in providing continued service to the community.

A reception will be held afterwards that will include light refreshments.

For more information, or if there are clergy interested in participating in the Thanksgiving service, or if anyone wants to donate cookies or cake for the refreshment segment of the event contact Rev. Petra Malleis- Sternberg via email at pastor@ sbucc.org or call (909) 886-4911.

Applications for M.B.A. for Executives Program Now Being Accepted at CSUSB

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SAN BERNARDINO – Applications are now being accepted for Cal State San Bernardino’s M.B.A. for Executives degree program.

The 18-month accelerated program for executives, entrepreneurs and managers from all industries is offered by CSUSB’s College of Business and Public Administration in partnership with the university’s College of Extended Learning.

Informational sessions will be held at 6 p.m. Monday, Oct. 22, at the Ontario Chamber of Commerce and Tuesday, Nov. 27, at the Corona Public Library .

The M.B.A. for Executives program is accredited by the highly selective Association to Advance Collegiate Schools of Business (AACSB), an honor that’s given to the world’s best business schools. This international accreditation and recognition sets the Cal State San Bernardino M.B.A. for Executives program apart from other Inland Empire executive M.B.A. programs, both in terms of its academic excellence and its outstanding value.

The CSUSB College of Business and Public Administration was recently named among the top 18 most innovative business schools in the world by European CEO Magazine, and one of only four in the United States. In addition, it was again named one of the nation’s top business schools by The Princeton Review in the 2013 edition of its annual guidebook, “The Best 296 Business Schools.”

“If you have a bachelor’s degree and at least five years of management experience, this program can help you take your career to the next level of success,” said Deirdre R. Caruthers director of CSUSB’s College of Extended Learning’s extension programs. “Cal State San Bernardino’s nationally acclaimed business faculty offer hands-on instruction and a real-world learning experience to help students become better strategic thinkers, leaders, team builders, motivators and mentors.”

Courses are five weeks each and are delivered in sequence. Because courses are taken in a cohort format, students will be able to study the challenging material and learn with classmates. This group format also allows opportunities to build professional networks and encourages personal friendships.

All classes in the M.B.A. for Executives program will be held at a freeway-convenient Ontario location. Classes are held on Wednesday evenings and alternate Saturdays. The 48-unit program includes 12 core graduate business courses.

The program also provides 12 units of two prerequisite fundamentals of business, management and administration courses and a prerequisite writing for administration course for those students who need additional preparation to succeed. Prerequisite courses may be waived with documentation of having satisfied the appropriate learning objectives. The curriculum of prerequisite and core graduate business courses is delivered in 18 months start to finish.

“Cal State San Bernardino’s prestigious M.B.A. for Executives can prepare you for greater career success and open the door to exciting new opportunities,” Caruthers said.

Financial aid is available to those who qualify. For more information, call (909) 537-3990 or visit the M.B.A. for Executives website at http://cel.csusb.edu/mbaforexecs.html.

For more information about Cal State San Bernardino, contact the university’s Office of Public Affairs at (909) 537-5007 and visit news.csusb.edu.

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BVN National News Wire