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IQST – iQSTEL Announces Board Election and CPA Ratification Following Annual Shareholder Meeting

iQSTEL Inc.

McapMediaWire -- iQSTEL, Inc. (OTC: IQST) today released a transcript and a recorded link of the annual shareholder meeting conducted yesterday, January 31, 2023. The meeting included the election of the company’s board of directors and the ratification of the company’s independent registered public accounting firm to audit iQSTEL’s 2022 financial performance. The meeting also included a management discussion and analysis of the company’s business operations and strategy as well as response to shareholder questions. The transcript can be viewed in its entirety below. To listen to a recording of the shareholder annual meeting follow this link: iQSTEL Annual Shareholder Meeting Recording 2022 Annual Shareholder Meeting Transcript From Tuesday, January 31 st, 2023: PRESENTER Good day, everyone, and welcome to the first iQSTEL’s Shareholder Meeting Conference Call. Participants are in a listen-only mode. This conference call is being recorded. A replay of today’s call will be available on the Investor Relations section of iQSTEL’s website and will remain posted there for the next 30 days. Before we begin, I would like to remind you that today’s call contains certain forward-looking statements from our management made within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities and Exchange Act of 1934, as amended. Words such as “may”, “should”, “projects,” “expects”, “intends”, “plans”, “believes”, “anticipates”, “hopes”, “estimates” and variations of such words and similar expressions are intended to identify forward-looking statements. These statements are subject to numerous conditions, many of which are beyond the control of the Company, including those set forth in the Risk Factors section of the Company's annual report on Form 10-Q, filed with the SEC. Copies of these documents are available on the SEC's website at www.sec.gov. Actual results may differ materially from those expressed or implied by such forward-looking statements. The Company undertakes no obligation to update these statements for revisions or changes after the date of this call, except as required by law. Thank you for joining the annual shareholder meeting. I will now hand the call over to Mr. Iglesias for introductions and to start with the meeting. Please go ahead. CEO - Introduction Hello and welcome to our first iQSTEL shareholder´s meeting. Today, is January 31 st, 2023. My name is Leandro Iglesias, and I am the Chairman and Chief Executive Officer of iQSTEL. I am joined today by Alvaro Quintana our Chief Financial Officer and member of our Independent Board of Directors Raul Perez member of our Independent Board of Directors, and the Head of the Audit Committee. Jose Antonio Barreto member of our Independent Board of Directors, and the Head of the Code of Ethics Office. Italo Segnini member of our Independent Board of Directors, and the Head of the Executive Compensation Committee Tony Abdo our CEO of our Internet of Things Business Line and our Fintech Division, and Business Development Vice President And our Presenter is Brad Listermann our Investor Relations Vice President and Head of our Ambassadors Group. This event today is a substantial milestone for iQSTEL. It is our first livestream shareholder´s meeting and in and of itself a major step forward in the advance of our management practices and procedures taking us one step closer toward our Nasdaq up-listing goal. In advance of the meeting today, we have published a number of press releases with a review of our 2022 performance and achievements, and our 2023 objectives. We have also included details on the agenda for today. We also emailed all shareholders of record with an agenda for today’s meeting and provided a link to facilitate voting prior to today’s meeting. I am very proud of everyone working here at iQSTEL and I am equally grateful for all the shareholder feedback and support that we have received over the last year that has led us to achieving or surpassing every goal and objective we set. I want to recognize and thank everyone working at iQSTEL, and our subsidiaries in addition to recognizing and thanking all our shareholders. Since we have put out three press releases in the last ten days reviewing our 2022 performance, I will recall just few things about iQSTEL’s achievements this past year. iQSTEL is expanding a core telecommunications operation both organically and through merger and acquisitions. We are focused on the international services market, and building a foundation in the domestic services market too, while continuing to prioritize the growing global migrant population. At this point is important to remark that the acquisitions of Whisl and Smartbiz injected business competitive energy as did SwissLink, QGlobal and itsBchain in the past, and specifically our partners in each of our subsidiaries have enriched our commercial, technical and negotiation skills in a determinant way. Thanks to all our partners. Our Flagship, the telecommunication division is only the beginning of our strategy to expand. We expect exponential growth to come from our diversification strategy. We are leveraging our telecommunication foundation to enter new markets with less competition and higher margins. 2022 was an important year for our diversification strategy. We have established notable and, in some instances, even award-winning traction from our efforts to enter the smart Internet of Things market, the Fintech market, the Blockchain platforms market as well as the huge electric vehicles market too. After beating our $90 million revenue forecast for 2022 and reaching profitability a full quarter ahead of expectations, I hope you can see that our $105 million 2023 revenue forecast is a base upon which we can build. You will likely see an increase to our base forecast in the event we close on another acquisition that results from our ongoing acquisition campaign. At the same time, we are going to generate revenues from all our new business lines: Internet of Things, Fintech, BlockChain Platforms and Electric Vehicles. Talking about Net Income, our Telecommunication Division generates enough profit to support all our new business lines, and the Pubco expenses. In this way we plan to show more than $1 Million of Net Income at the end of this year. We expect to achieve profitability this year from three of our expansion operations, Internet of Things, Fintech and Electric Vehicles business lines. We decided to be very conservative in our objectives for this 2023, but it´s easy to see we have several initiatives in the works. If we achieve just one of them, we will be surpassing our objectives and increasing the size of the company. In summary, we are working diligently to optimize our existing business and at the same time working on our future business by identifying the most promising technology trends to adopt which can best evolve our services to maintain a leadership position serving the growing immigrant market. We completed a revamp of our IQSTEL web site ( www.iqstel.com ), with a new section for our investors ( www.iqstel.com/investors ), I invite to visit it and share your thoughts. So, I will now hand the call over to Mr. Alvaro Quintana our CFO to start with the votes addressed in the iQSTEL definitive proxy statement filed with the SEC. CFO – Proxy Vote The first matter up for a vote is the election of the iQSTEL board members. Our bylaws provide that our business shall be managed by or under the direction of a board of directors. The Board currently consists of five directors. There are five nominees for election to the Board at the annual meeting. Each of the five nominees, if elected, will hold office for a term that expires at the next annual stockholders’ meeting. Each director shall hold office for the term for which he or she was elected and until his or her successor is elected and qualified or until his or her earlier death, resignation, or removal. The Board has nominated each of the following individuals for election as a director at today’s annual meeting: Leandro Iglesias, myself Alvaro Quintana Cardona, Italo Segnini, Raul Perez and Jose Antonio Barreto. Each nomination for director was based upon the recommendation of our board of directors and each nominee for director is a current member of the board. All nominees have consented to be named and have indicated their intent to serve if elected. In the event any of the nominees shall be unable or unwilling to serve as a director, the persons named in the proxy intend to vote “FOR” the election of any person as may be nominated by the board in substitution. The Company has no reason to believe that any of the nominees will be unable to serve as a director if elected. The definitive proxy statement filed with the SEC set forth detailed information about each candidate, to include compensation and stock ownership, as well as roles and responsibilities. In advance of today’s meeting, the company has received votes amounting to over 51% of the shareholders and sufficient to elect the board members as nominated. In fact, the nominated board members were elected with more than 80% of the shares being voted in their favor. Once again, I want to issue my thanks to the iQSTEL shareholders for your participation and support. The second matter for vote is the ratification of iQSTEL’s independent registered public accounting firm for the 2022 fiscal year, Urish Popeck & Co., LLC. In advance of today’s meeting, the company has received votes amounting to over 51% of the shareholders and sufficient to ratify Urish Popeck & Co., LLC as iQSTEL’s independent registered public accounting firm for the 2022 fiscal year. Again, more than 80% of the shares were voted in favor of ratifying Urish Popeck & Co., LLC as independent registered public accounting firm. Thanks again to the iQSTEL shareholders for your participation and support. PRESENTER – Questions received The definitive proxy statement sent out in advance of today’s meeting also invited shareholders to introduce any other business matter for discussion and consideration at the annual shareholder meeting. If any matter not described in the proxy statement is properly presented for a vote at the meeting, the persons receiving proxy cards can vote in accordance with their best judgment and discretion. We did not receive any other matters for a proposed vote at the annual shareholder meeting in response to the emailed proxy cards. However, we did receive some questions. Based on the fact that the company just issued a Shareholder´s Letter indicating all the Company Objectives for 2023, I would like to know if the Company plans to work in other business area in addition with Telecommunications & Internet of Things, Fintech, Blockchain Platforms, and Electric Vehicles?, This question will be addressed by our CEO Leandro Iglesias CEO – Answer Question 1 The company endeavors to maintain consistency in its business plan and avoid opportunity of chance distractions. Since iQSTEL’s inception we have focused on large technology arenas, specifically Telecommunications, Internet of Things, Fintech, BlockChain Platforms and Electric Vehicles. We don’t plan to enter in any new business line at this moment. We will focus our efforts on advancing our existing lines of business with our progress measured in terms of expanding revenues and delivering profits by the end of this year. This 2023 will be a successful year, growing revenues, generating positive net income, reaching thousands of users for our Fintech platform, deploying in several industrial facilities our proprietary internet of things solutions, completing the manufacture of the Second and Third batch of our electric motorcycles for the US and EU, and introducing our Mid Speed Car to the market. We consider our management’s consistent focus on our business plan to be one of our key characteristics and instrumental to our ongoing success. PRESENTER – Questions received Thanks Mr. Iglesias for your answer. Next question received is: You have been talking about Nasdaq Up-Listing for more than a year, what is the current status and when will finally happen? Our CFO – Alvaro Quintana will address this question. CFO– Answer Question 2 We have been working on the Nasdaq Up-listing for more than 2 years. The up-listing is an important milestone in the overall path to our objective of achieving a market capitalization for IQSTEL in excess of $1 Billion. Since the beginning of 2021 we have been ticking off one corporate governance requirement after another in order to qualify for a Nasdaq up listing. This shareholder meeting today marks yet another corporate governance milestone moving us that much closer to being prepared for an up-listing. The critical path to an up listing is iQSTEL’s share price. iQSTEL must sustain a minimum bid of at least $2.00 to qualify for a Nasdaq listing. Our management team and our independent board of directors believe iQSTEL has the potential to organically achieve a minimum share price to support an up-listing. In other words, we believe iQSTEL’s share price, global economy and market conditions permitting, can increase to over $2.00 without necessitating any recapitulation of the company’s share structure. We don’t believe it is the company’s operational performance that is holding us back from reaching a minimum listing price. We believe the overall prevailing market uncertainty accounts more for the current iQSTEL share price than does iQSTEL’s operational performance. We anticipate that either the overall market will turn positive and lift the burden of market uncertainty that is currently holding back iQSTEL’s share price, or iQSTEL will finally be recognized as the undervalued asset that it is, and the share price will perform in line with the company’s operational performance and counter to prevailing market trends. The final key to our Nasdaq up-listing is our share price and the key to our share price is patience. The company is performing better than ever and sooner or later the share price will respond accordingly. PRESENTER – Final Words While iQSTEL is meeting or surpassing its forecasts, goals and objectives, and we expect to continue meeting or surpassing forecasts, goals and objectives, the global economy as a whole is not enjoying iQSTEL’s success. It is the opinion of management and the board that general economic trends are casting a shadow on iQSTEL’s otherwise stellar performance. That shadow is causing an unfavorable disconnect between the company’s operation performance and share price performance. In light of what management and the board believes to be an unfavorable disconnect, and given that we anticipate economic difficulties and challenges to continue for the foreseeable future, we especially encourage shareholder participation and welcome from shareholders any suggestions for consideration that might contribute to iQSTEL reconnecting operational performance and share price performance ahead of a global upward economic shift. Please email us at any time with your comments, suggestions and even your criticisms at investors@iqestel.com. I would like to thank all in attendance here for making the time available to participate in iQSTEL’s first livestream annual shareholder meeting. Management and the Board of Directors are committed to continuing to deliver on the performance expectations we have set through our past and present successes. We continue in our belief that the “best is yet to come,” and we are committed to the effort required of us to realize that belief. Thank you About iQSTEL Inc.: iQSTEL Inc. (OTCQX: IQST) ( www.iQSTEL.com ) is a US-based publicly listed company holding an Independent Board of Directors and Audit Committee with a presence in 19 countries and 70 employees offering leading-edge services through its four business lines. The Telecom Division (www.iqstelecom.com), which represents the majority of current operations, offers VoIP, SMS, proprietary Internet of Things (IoT) solutions, and international fiber-optic connectivity through its subsidiaries: Etelix, SwissLink, Smartbiz, Whisl, IoT Labs, and QGlobal SMS. The Fintech business line ( www.globalmoneyone.com ) ( www.maxmo.vip ) offers a complete Fintech ecosystem MasterCard Debit Card, US Bank Account (No SSN Needed), Mobile App/Wallet (Remittances, Mobile Top Up). Our Fintech subsidiary, Global Money One, is to provide immigrants access to reliable financial services that make it easier to manage their money and stay connected with their families back home. The BlockChain Platform Business Line ( www.itsbchain.com ) offers our proprietary Mobile Number Portability Application (MNPA) to serve the in-country portability needs through its subsidiary, itsBchain. The Electric Vehicle (EV) Business Line ( www.evoss.net ) offers electric motorcycles to work and have fun in the USA, Spain, Portugal, Panama, Colombia, and Venezuela. EVOSS is also working on the development of an EV Mid Speed Car to serve the niche of the 2nd car in the family. Safe Harbor Statement: Statements in this news release may be "forward-looking statements". Forward-looking statements include, but are not limited to, statements that express our intentions, beliefs, expectations, strategies, predictions, or any other information relating to our future activities or other future events or conditions. These statements are based on current expectations, estimates, and projections about our business based partly on assumptions made by management. These statements are not guarantees of future performance and involve risks, uncertainties, and assumptions that are difficult to predict. Therefore, actual outcomes and results may and are likely to differ materially from what is expressed or forecasted in forward-looking statements due to numerous factors. Any forward-looking statements speak only as of the date of this news release, and iQSTEL Inc. undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date of this news release. This press release does not constitute a public offer of any securities for sale. Any securities offered privately will not be or have not been registered under the Act and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements. iQSTEL Inc. IR US Phone: 646-740-0907 IR Email: investors@iqstel.com Contact Details Leandro Iglesias +1 646-740-0907 investors@iqstel.com Company Website https://www.iqstel.com/

February 01, 2023 09:24 AM Eastern Standard Time

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Entering Its 25th Year, Gary Kompothecras and 1-800-ASK-GARY Remain Focused on Helping Victims and Making a Difference

NetReputation.com

By Adam Petrilli, Founder and CEO at NetReputation For victims of an auto accident, all of the legal and medical jargon associated with their claim or medical diagnosis can be confusing and scary. Fortunately, 1 800 Ask Gary is a free helpline available for those dealing with the aftermath of an auto accident. With a stellar reputation backing its 25 years in business, accident victims can find the answers they need from a service they can trust. The Remarkable History of 1 800 Ask Gary Gary Kompothecras opened a multi-disciplinary medical clinic back in 1996, bringing something entirely new to the process of healing for accident victims. His unique vision led him to invest in more than just the immediate trauma of an injury, bringing on board neurosurgeons, nurse practitioners, radiologists, massage therapists and a number of other medical professionals. Focusing on a broad perspective of healing led Dr. Gary to secure the latest in medical equipment. This reliance on technologically-advanced machines and diagnostics tools allowed the clinic to evaluate injuries and reveal more about a victim more efficiently than what a traditional physical exam would allow. This was a groundbreaking approach to treating accident injuries. The patients receive the highest quality of care from a medical team that relies on their combined experience and the latest tech advancements to diagnose a specific injury. This had a profound impact on the claims process, as prior to this approach, many victims were forced to settle claims on the grounds of a non-specific soft tissue injury. This model of care impacted an accident victim financially, physically and mentally. The Move from Physical Care To 1 800 Ask Gary While the Physican’s Group, LLC made significant progress in providing quality care to accident victims, Dr. Gary realized the services offered weren’t always enough. His model of care of practice became the first of its kind to earn accreditation by the gold standard of excellence in the industry-the Joint Commission on Accreditation of Health Care Organizations- but yet his patients needed something more. Through conversation with his patients, Dr. Gary realized there was a lack of awareness concerning the health care benefits afforded through auto insurance. Dr. Gary realized that many individuals were suffering from pain and injury because these individuals wouldn’t seek help from a medical professional. For many, finances and lack of resources were the primary reasons why. To solve this problem, Dr. Gary established the accident helpline 1 800 Ask Gary. Through one phone call, accident victims could find out their rights and connect with a doctor or lawyer. The launch of this helpline has been incredibly successful, and Dr. Gary trademarked the name to ensure the consistency of the quality care and concern he started the resource with. The Growth of 1 800 Ask Gary Years ago, Dr. Gary’s vision of care and assistance only reached Florida residents. Now, more than 200,000 people across three different states have found help through the hotline. The service costs nothing, and it’s available 24 hours a day, seven days a week to accident victims in Minnesota, Florida and New Mexico. Callers receive information on how to behind their recovery and get connected with the professional services needed to both find healing and financial compensation for their auto accident. More recently, 1 800 Ask Gary announced an expansion of services through the launch of AskGary.com. This is simply an extension of the quality services offered over the last 25 years, and it will allow more individuals to find the answers they need concerning legal and medical support in their geographic area. The Staying Power of 1 800 Ask Gary Accident victims have come to trust Dr. Gary’s brand and approach to quality care. Even as it goes into its 25 th year, 1 800 Ask Gary remains committed to helping accident victims when they need it most. NetReputation.com is an industry-leading online reputation management solutions provider focused on helping businesses and individuals repair, improve, and maintain positive brands on the web. Headquartered in Sarasota, Florida, NetReputation.com utilizes the latest in digital processes and technology to restore online reputations and empower long-term success online. NetReputation was established by online services innovator Adam Petrilli in 2015. This post contains sponsored advertising content. This content is for informational purposes only and not intended to be investing advice. Contact Details Caroline Hunter Caroline@netreputation.com Company Website https://www.netreputation.com/

January 31, 2023 10:28 AM Eastern Standard Time

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XCPCNL Business Services Marks 40% gain on announcing it will add ChatGPT creator OpenAI to it’s SaaS platform CSEP

XCPCNL Business Services Corporation

McapMediaWire -- XCPCNL Business Services Corporation (OTC: XCPL ), a venture development business that leverages knowledge, skill, and experience in the consumer products industry rose more than 45% Monday morning(and initially jumped up as 69%) following an announcement that it will add ChatGPT creator OpenAI to it’s SaaS platform CSEP. The company also traded over 161 million shares and had $133,000 in volume. The company will boost the role of artificial intelligence in generating customer insights and customer service rep dialogue to better engage consumers at client call centers. Centiment - SENTIMENT VISUALIZATION TOOL ( Tech example - Please view from a computer, you will see the arrows to scroll at the bottom, then scroll up and down) Customer Service Call Centers struggle with scheduling and a disinterested and high turnover workforce, adequate technologies give them a fighting chance, CSEP overlayed with OpenAI sloves an age old problem, but increasing sentiment and providing a positive experience to customers, we are on the cutting edge and look forward to launching this exciting revenue driven nationwide”, said CEO Tim Matthews. XCPCNL Business Services Corporation (OTC Pink: XCPL) encourages shareholders to visit their corporate Twitter account at https://twitter.com/RealXCPCNL. Forward-Looking Statements Disclaimer: This press release may include, and oral statements made from time to time by representatives of the Company may have, "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements regarding possible business combinations and the financing thereof and related matters, as well as all other statements other than statements of historical fact included in this press release, are forward-looking statements. When used in this press release, words such as "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "may," "might," "plan," "possible," "potential," "predict," "project," "should," "would" and similar expressions, as they relate to our management team or us, identify forward-looking statements. Such forward-looking statements are based on management's beliefs, as well as assumptions made by, and information currently available to, the Company's management. Actual results could differ materially from those contemplated by the forward-looking statements as a result of certain factors detailed in the Company's filing with the Over-the-Counter Market ("OTC"). All subsequent written or forward-looking oral statements attributable to persons or us acting on our behalf are qualified in their entirety by this paragraph. Forward-looking statements are subject to numerous conditions, many of which are beyond the control of the Company. The Company undertakes no obligation to update these statements for revisions or changes after the date of this release, except as required by law. About XCPCNL Charlotte, NC-based XCPCNL Business Services is a venture development business that leverages its knowledge, skills, and experience in the consumer products industry. Our primary mission is to provide marketing, technology, and other business services to fast-growing consumer product companies and big-box retailers. XCPCNL is a minority-owned and controlled firm. To learn more about our businesses, services, and opportunities, please contact: info@xcpcnl.com. To learn more about XPCNL, visit www.xcpcnl.com. For Inquiries: Email: ir@xcpcnl.com Contact Details Tim Matthews ir@xcpcnl.com Company Website http://www.xcpcnl.com/

January 31, 2023 08:30 AM Eastern Standard Time

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Alcatel-Lucent Enterprise Hosts Global Partners at 2023 Virtual Conference

Alcatel-Lucent Enterprise

Alcatel-Lucent Enterprise, a leading provider of communications, cloud and networking solutions tailored to customers’ industries, is hosting its global partner conference on February 8 th and 9 th 2023. Following the success of the past year’s Connex events, this year’s Connex23 conference will again take to a virtual stage, enabling maximum participation from partners around the world. Alcatel-Lucent Enterprise partners will have the chance to hear first-hand from CEO, Jack Chen and his executive and management teams about how Alcatel-Lucent Enterprise will help them to drive sustainable business for their companies and customers. Solutions specialists will demonstrate new product roadmaps and show how Alcatel-Lucent Enterprise can help partners and end-customers achieve tangible business outcomes by making everything connect thanks to Advanced analytics and Artificial Intelligence, Connectivity and platforms, and the Internet of Things. Continuing its vertical focus, Connex23 will reveal Alcatel-Lucent Enterprise’s plans for further innovation across the healthcare, education, government, transportation, energy and utilities markets. “Businesses on their path to digital transformation are embracing new technologies and models to boost their business outcomes through increased employee and customer collaboration with an enhanced user experience.” comments Rukmini Glanard, Executive Vice President of Global Sales, Services and Marketing. “We are offering an increased portfolio of value-added services to help accelerate this move to cloud subscription and as a Service business models.” Alcatel-Lucent Enterprise is continuing to focus on supporting its global ecosystem of 3,400 business partners and its worldwide base of over a million customers. The management will demonstrate how the company is using flexible and agile methods, which have been successfully implemented over the last year, to go the extra mile to enable complex opportunities, manage industry shortages and support business continuity for partners and end customers on an hourly and daily basis. “The theme for this year’s event is ‘Technology for Good’. This underlines the importance of how our people, our partners, and our secure solutions work hand-in-hand to create and deliver positive outcomes, good for people, good for business and good for the environment. Technology can help individuals and companies to be better connected, to collaborate in more innovative and productive ways.” said Rukmini Glanard. About Alcatel-Lucent Enterprise Alcatel-Lucent Enterprise delivers the customised technology experiences enterprises need to make everything connect. ALE provides digital-age networking, communications and cloud solutions with services tailored to ensure customers’ success, with flexible business models in the cloud, on premises, and hybrid. All solutions have built-in security and limited environmental impact. Over 100 years of innovation have made Alcatel-Lucent Enterprise a trusted advisor to more than a million customers all over the world. With headquarters in France and 3,400 business partners worldwide, Alcatel-Lucent Enterprise achieves an effective global reach with a local focus. Press Contacts Alcatel-Lucent Enterprise Global Press Carine Bowen press@al-enterprise.com Contact Details Fox Agency Katherine Skidmore +44 20 3750 6688 katherine@fox.agency Company Website https://www.al-enterprise.com/

January 31, 2023 08:00 AM Eastern Standard Time

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Get 350 Free Spins at Bitcasino.io and Play Legacy of Dead

SuperLenny

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Ultimately, this decision depends on how much players are willing to risk and their individual playing goals. When utilizing the free spins offered by casinos, it's important to play responsibly and read all of the conditions carefully so that you know what types of bets and games qualify for rewards and which ones can potentially put winnings at risk. With all that in mind, let’s take a look at some of the bonuses and rewards available at Bitcasino.io. Bonuses and Rewards Bonuses and rewards are a key part of online gambling. Bitcasino.io offers numerous bonuses and rewards to entice new players, as well as reward loyal customers. Some examples of bonuses offered by Bitcasino.io include their welcome offer, where players can get up to 350 free spins when signing up and making a deposit, daily prizes, weekend tournament boosts, ticket draws, and limited-time promotions. While bonuses are great for promoting gameplay, some people argue that they provide an unfair advantage as not all players receive them. According to these players, bonuses should be given equally to all players so there is a level playing field for everyone. On the flip side, others contend that the reason why such promotions exist is that they bring in more revenue for the casino itself – money that can then be reinvested into additional gameplay features or customer rewards. Leading the way forward, no-deposit bonuses offer another way for players to get their hands on extra funds without having to spend a single penny of their own money. In the next section, we will explore in further detail how no-deposit bonus works and what else Bitcasino.io has on offer in this area. No-Deposit Bonuses No-deposit bonuses are an attractive incentive for players looking to get the most value out of their online gaming experience. With a no-deposit bonus, players can place bets and win prizes without making a deposit. The no-deposit bonus is a great way to experience new games or dive into exciting promotions without investing any money up front. One advantage to a no-deposit bonus is that it gives players greater freedom to try out new games and a wide variety of betting options without having to commit any actual money. This allows players to gain a better understanding of the game and its associated risks before deciding whether or not they want to invest more money. Furthermore, no-deposit bonuses make it easier for new customers to get acclimated with the betting platform, allowing them time and resources to explore all its features before committing any substantial funds on future bets. On the other hand, some people argue that no-deposit bonuses are predatory in nature because they often come with high wagering requirements that trap players into spending more money than necessary in order to cash out their winnings. Additionally, these types of bonuses may have hidden terms and conditions that can lead unsuspecting players into financial ruin if they don’t pay attention. Finally, there is always the risk of fraud since customers aren’t required to provide banking information when signing up for these promotions. No matter which side of the debate you stand on, it is important for online gamers looking to take advantage of no-deposit bonuses to do their research before committing money or personal information. To help players make informed decisions, Bitcasino.io offers its users 350 free spins through its Legacy of Dead promotion – perfect for enjoying a risk-free gaming experience while exploring all that Bitcasino has to offer. The next section will discuss how Cash Bonuses and Rewards play an important role in Bitcasino's Legacy of Dead Promotion. Cash Bonuses and Rewards Players looking for juicy cash bonuses and rewards need not look any further than Bitcasino.io - one of the premier online gambling sites around today. Offering 350 free spins on the popular game Legacy of Dead at just the click of a button, this is an offer that isn’t to be missed. Though cash bonuses are not always a sure thing when it comes to online gambling, there are plenty of ways for players to make sure they get the best bang for their buck when playing at Bitcasino.io. All new depositors start out with a generous deposit bonus, which gives players extra funds to play with every time they sign up and deposit money into their account. Additionally, daily and weekly promotions are also running throughout the week, giving players even more chances to win big. On the other hand, some may argue that with such generous cash bonuses come certain restrictions and regulations that limit how much players can actually take advantage of the promotion. For many, wagering requirements may seem like too much hassle when compared to the actual benefits of using the bonus. Additionally, withdrawals might also be limited due to terms and conditions linked to certain bonuses. Although these rules are in place in order to ensure fair play and protect both parties involved, they do still pose as a potential barrier that might prevent some from accessing the best opportunities from this particular site. Types of Free Spin Offers Free spin offers can come in a variety of forms and when used effectively, they can be an incredible resource to help you win big. Let’s take a look at some of the different types of free spin offers available: First Deposit Free Spins: Many online casinos offer free spins when you make your first deposit. These spins usually come with the promise of winning real money and are used by many to give their bankroll a much-needed boost. The number of free spins offered will depend on the size of deposits made but typically range from 10 to 50 spins. Loyalty Program Free Spins: Most larger casinos have loyalty programs that reward players for continued play. With loyalty program free spins, customers accumulate points for playing selected casino games and these points can be exchanged for additional free spin bonuses. No Deposit Free Spins: No deposit free spins are probably one of the most coveted types of spins around. Requiring no deposit at all, these bonus offers allow players to spin on select slot machines without risking any money at all. It is important to keep in mind however that while this type of bonus offer may offer large payouts and great adventure, it also represents one of the greatest risks. With no deposits associated with them and no way to recoup losses should luck not be on your side, it is highly adviseable to gamble responsibly when taking advantage of this type of bonus offer. Time-Limited Free Spins: Time-limited free spins are granted when a particular slot machine is launched or as part of a seasonal promotion (such as during Christmas, Halloween etc). Typically lasting 1-3 days, these bonus offers guarantee plenty of fun and allow players to try out a new game without having to risk any money. Advantages of Free Spins Extra chances to win: Free spins give you the opportunity to spin the reels for free and win real money without risking your own funds. No risk: Since the spins are free, there is no financial risk involved. Try new games: Free spins can be a great way to try out new games and get a feel for the gameplay before you play with your own money. Boost bankroll: Any winnings from the free spins can be used to boost your bankroll and give you more playing time. Disadvantages of Free Spins Wagering requirements: Many free spins offers come with wagering requirements, which must be met before you can withdraw any winnings. Limited time: Free spins are usually only available for a limited time, so you need to act fast to take advantage of them. Restricted games: The free spins may only be valid for certain games, so it is important to check the terms and conditions before you start playing. Small winnings: Free spins often have lower payout potential than regular spins, so it is more difficult to win big. Overall, free spins can be a great way to increase your chances of winning and try out new games, but it is important to be aware of the terms and conditions before you start playing. Conclusion and Overall Bitcasino.io Review Based on our review of Bitcasino.io, it’s easy to see why this online casino has become such a popular choice for players across the world. With their generous bonus offers, wide selection of games, and safe and secure gaming environment, there’s something for everyone at Bitcasino.io. As with all online casinos, though, there are some downsides to consider before joining Bitcasino.io. They have quite a low withdrawal limit compared to other sites, and many countries are excluded from playing here – which may be a deal-breaker for some players. There is also the fact that they only offer games from one provider – no matter how great the selection is in terms of quantity and quality, this may put off those people who want more variety. In conclusion, we believe that Bitcasino.io is an excellent online casino option for players looking for a reliable site with plenty of gaming options and exciting bonuses on offer. The 350 free spins are definitely an attractive prospect for those getting started on their gaming journey at this site. However, depending on your preferences you might wish to explore other gaming sites before settling on Bitcasino.io as the perfect fit for you. Frequently Asked Questions and ExplanationsIs there a maximum amount that can be won with the free spins? Yes, there is a maximum amount of winnings that can be achieved with the free spins from Bitcasino.io. In order to redeem any winnings, you will need to meet certain wagering requirements. These typically include placing a minimum number of bets with real money and winning at least 10 times the value of your combined free spins. This ensures that players are able to win larger amounts and protect Bitcasino.io from fraud and abuse. What are the terms and conditions for the free spins on Bitcasino.io? The terms and conditions for the free spins on Bitcasino.io depend on the specific promotion being offered. Generally speaking though, players need to wager at least once before they are eligible to receive any winnings from their free spins. Players must also adhere to any game weightings that may apply with regards to the bonus money, and any other restrictions specified in the individual promotions’ terms and conditions. It’s important that players understand all of the rules before playing a game with free spins, as failure to do so could lead to nullification of winnings or penalties incurred by the casino. How can I use the free spins to play Legacy of Dead? Using the free spins to play Legacy of Dead at Bitcasino.io is easy and straightforward. All you need to do is register with Bitcasino.io, deposit some funds into your account, and then head over to the Legacy of Dead game where you'll be automatically credited with the 350 free spins. Once you have your free spins, you can start spinning the reels by choosing your bet amount and clicking on 'Spin' or using the 'Auto Spin' feature if you'd like the game to take care of everything for you. With each spin, you'll be guaranteed some wins, so keep an eye out for bonus symbols that can increase your chances of hitting big payouts. Additionally, when you hit three scatter symbols in a row, you'll trigger 10 free spins which can help boost your winnings even further! At the end of your free spins, all the money won from them will be added to your account balance and ready to withdraw or continue playing with. So start spinning with those free spins now and see what amazing prizes await! Play Responsibly As a player, responsible gambling is crucial for ensuring that your gaming experience is enjoyable and safe. Here are some tips for responsible gambling: Set limits: Decide on a budget for your gambling and stick to it. Set deposit limits or take advantage of self-exclusion options if you need help controlling your spending. Know the odds: Familiarize yourself with the odds of the games you play and understand the risks involved. This can help you make informed decisions and avoid playing games that are too risky. Take breaks: Regular breaks are essential for maintaining control and avoiding problem gambling habits. Take a break when you feel tired, frustrated, or overwhelmed. Gamble for fun: Remember that gambling is meant to be a form of entertainment, not a way to make money. Don't chase losses and only play with money that you can afford to lose. Seek help: If you or someone you know is struggling with problem gambling, there are resources available to help. Contact a gambling helpline or seek support from a professional. By following these tips for responsible gambling, you can ensure that your gaming experience is safe, enjoyable, and free from harm. Contact Details G. Heathcote admin@superlenny.com

January 30, 2023 04:52 AM Eastern Standard Time

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EPAL Redefines Gamers' Dream Job And Unveils A Complimentary Training Camp

EPAL, Inc

EPAL, the revolutionary platform that connects gamers with each other for an enhanced gaming experience, has set a new standard for its freelance profession for gamers by introducing the ePal Training Camp. The ePal Training Camp provides a comprehensive array of services that are tailored to enhance the skills and expertise of ePals, the service providers on the EPAL platform. The ePal Training Camp offers a range of services that include courses, effect testing, 1V1 coaching, and advice on building a successful career as an ePal. The camp also provides assistance in establishing personal IP and 3rd party collaborations for outstanding ePals. All of these services are available to ePals on the platform, with no cost to the participants. The only requirement to participate in the ePal Training Camp is a "love for the ePal career and a desire to provide clients with quality services." EPAL believes that by investing in the development and growth of its ePals, the platform can provide its users with the best possible gaming experience. The instructor of the ePal Training Camp courses, who is also the Co-Founder and CEO of EPAL, Brian Xiong, claims: "The purpose of the ePal Training Camp is to help every ePal gain the comprehensive service ability to convert clients and continue to make them repurchase. In the history of EPAL, only about 1% of merchants have achieved comprehensive service quality, but they have completed half of the orders on the entire website." Before announcing the ePal Training Camp, the EPAL team spent two months analyzing internal data points and interviewing both ePals and clients in order to find the secret of what "good ePal services" really stand for. As a pioneer in a new industry, EPAL is known for cultivating a new profession for gamers worldwide to earn extra income while playing video games with others. It may sound too good to be true, but in less than three years, EPAL has shown its business model is viable and has grown to one of the largest gaming freelancer platforms in the world with more than 1.5 million registered users and 150,000 verified ePals. The top 25% of ePals now make $500 a month, while the top 1% make $4,700+ a month, a sizable income that even beats many conventional jobs. In January 2023, the team believes it is now the time to unveil the ePal Training Camp as a channel to teach ePals how they can provide clients with better experiences and services as well as gain ideal earnings and benefits. Along with the ePal Training Camp, EPAL will also revamp its Store Rating, ePal levels, and exposure algorithm at the end of January. These changes aim to use metrics for clients to better predict the ePals’ overall service qualities. The new store rating system will add service quality to the existing profile completeness, responsiveness, and more exposure, and service quality will be the most important part of the new store rating system. EPAL will also strengthen the screening of users and the handling of violators this year. According to Brian, the Co-Founder and CEO of EPAL, “I am also a gamer myself, and I am happy to create a great industry and a respectable career with all the ePals. The vision of EPAL is to build a bridge of sharing and companionship for gamers all over the world, and ePals as sharers are the most critical part of this vision.” Brian believes these recent new changes are necessary for the business in the long run. “We must improve the quality of our overall services so that more people can have fun and have a really good experience here. This will improve our reputation and attract more clients for our ePals. We know it is not simple, but we will make it through this, together.” The ePal Training Camp sets a new benchmark for the freelance profession for gamers, offering a one-of-a-kind chance for ePals to acquire new abilities and improve their services, resulting in a mutually beneficial outcome for both ePals and clients. Additionally, by introducing this training camp, EPAL positions itself as a leader in the gaming freelancer industry, dedicated to equipping its ePals with the necessary tools and resources to excel in this rapidly expanding field. EPAL is truly revolutionizing the notion of a "gamers' dream job" and establishing a respected, viable career path for gamers worldwide. To learn more about EPAL, please visit EPAL.gg. ### Contact Details EPAL, INC Leo Li, Director of Public Relations leoli@epal.gg

January 25, 2023 06:49 PM Eastern Standard Time

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7 Best Research Paper Writing Services: Overview, Services, Rating ✍️

Halvorson Media Group

Looking for a reliable yet affordable essay writing website? We have compiled for you the 7 best research paper writing services that offer not only quality essay writing support, but also a number of nice bonuses. Recently, the concept of delegation has made its way not only into our language but also into our daily lives. Receiving help and asking for it is no longer embarrassing. This innovation also applies to the field of education. With the plethora of irrelevant subjects included in the educational curriculum, the only way to cope with a plethora of written assignments is to deprive yourself of sleep. However, thanks to academic writing help, these great sacrifices are by no means justified. After a thorough market analysis, we have selected the most reliable sites that offer the best research paper writing services. In compiling this list, we were guided by the following aspects: transparency, reliability, and reasonable price. The platforms listed below have proven their competence and professionalism. Paper Help — Best Overall 🏆 Cheap Paper Writing — Best for Impeccable Reputation 🥈 Evolution Writers - Best for Verified Cheap Papers Writers 🥉 99papers — Best for The Vast Hub of Freebies; Speedy Paper — Best for High-Quality Research Paper Writing Solutions; Essay Box — Best for The Speed Essay Writing Options; Extra Essay — Best for The Top-Notch Extra Services. Where to Find High-Quality Research Paper Help? We have selected 7 top-notch writing services that stand out from the crowd with one or more particularly well-designed features. You can evaluate these platforms using the table below and choose the website that meets your needs and goals. 1. Paper Help — Best Overall 🏆 This online essay writing service is convincing in many aspects: a long list of essay types, affordable prices for students, meeting deadlines, good guarantees, 24/7 support for research papers and the like. PaperHelp writing service has been on the market since 2013. For 10 years, these guys have created a very cool platform that helps students with a wide range of assignments and does it perfectly. PaperHelp is here to help you with different types of help for research papers, be it academic writing, editing, proofreading, or calculations. Moreover, the presence of free advantages, such as free titles and reference pages, testifies to professionalism and respect for customers. This research paper writing service offers a wide range of services for all academic levels of study: high school, undergraduate, graduate, and professional. You can also enjoy the bonuses offered by the service: a 15% discount on your first order and several VIP options such as first-order priority, an extended review period, and 24/7 VIP support. Whether or not you use the additional features depends on the importance and complexity of your task. In any case, PaperHelp is highly appreciated by students: 4.3 stars on TrustPilot and 5 stars on SiteJabber. 2. Cheap Paper Writing — Best for Impeccable Reputation 🥈 The name of the website speaks for itself. However, low prices in no way affect the quality of the professional services we offer you. The most important thing for any academic writing service is the reputation that comes from customer feedback. CheapPaper service is highly rated by grateful students: 5 stars on SiteJabber and 4.3 stars on Trustpilot. This is an incredible result for a service that has been in existence for just over two years. All academic writing help services are divided into two main categories: Essay Services and Homework Services. This division helps users find what they need faster, as the platform is used by both high school and college students. Also, pay attention to the library of research paper writers: not only can you see customer reviews, but you can also check how many high-quality papers have been completed, what kind of academic degree the writer has, and what he or she specializes in. This concern for customers sometimes increases the credibility of the service. By the way, at the academic writing company, you can also see sample texts of the writer you choose. It's a great option, isn't it? 3. Evolution Writers — Best for Verified Cheap Papers Writers 🥉 If you are looking for a proven and affordable essay writing service, you should take a closer look at EvolutionWriters. This service has everything you need to free you from a lot of paper tasks: different types of essays, reviews, resumes, theses, dissertations, PowerPoint presentations, and the like. At the same time, solid guarantees leave no doubt about the reliability of this academic writing help service: money-back guarantee, student-friendly services, absolute confidentiality, and many advantages for each order, for example, anti-plagiarism check, 4 revisions, and much more. By the way, all research paper writers on the site undergo rigorous tests: a grammar and language test, writing an essay on a specific topic, and accreditation of a university degree (bachelor's, master's, Ph.D.). Without exception, all writers of this custom essay writing service deserve your trust. 4. 99papers — Best for The Vast Hub of Freebies In a rapidly changing world, you have to decide what to save: time or money. 99paper offers you a unique way to save both of these valuable resources. This professional essay writing service is aimed at students at any stage of education: high school, undergraduate, master's, and Ph.D. Whether it is a book review, a dissertation sample, or even a poem, 99paper's writers are ready to help you and provide you with the best academic writing help. To assess the level of the author's writing skills, you can refer to the Samples section, where some examples of papers written by professional writers are posted. Perhaps these articles will help you to get inspired in writing your essay. The most pleasant thing about this service is the incredible free writing features. The client gets several important services for free: a title page, bibliography, outline, proofreading, formatting, and unlimited proofreading. Tempting, isn't it? 5. Speedy Paper — Best for High-Quality Research Paper Writing Solutions SpeedyPaper knows what experience is and wants its authors to know it too (and on this website they have it, believe us!). The team does its best to live up to the most experienced professional academic writing services. An impeccable reputation, affordable prices, and a very strict attitude toward deadlines are three aspects that accurately characterize the SpeedyPaper team. Users of the platform rate the offered services highly: 4.98 stars on the Jaber site with over 4500 reviews. People create a reputation: if the platform does everything right, it does not go unnoticed. In addition to high-quality paid services, the SpeedyPaper website offers a large portfolio of free essays on various fields, such as human resources, the aviation industry, gun violence, and many other highly specialized areas. There are more than 14,000 essays available to website visitors, can you imagine? 6. Essay Box — Best for Speed Essay Writing Options Do you need a research paper written by professional academic writers? With 8 years of experience in essay writing, EssayBox knows what a professional approach is. Thanks to the user-friendly interface and well-thought-out design, you can quickly navigate the website and find the service you need. By the way, if you have completely forgotten about your assignment and have three hours left, EssayBox knows what to do. All you have to do is fill out a quick form and pay for the order. Sometimes the delivery speed is the decisive factor in this business. If for some reason your assignment is not ready on time, you have the right to demand a part of your money back. On the website, you can order an essay on any topic: 25+ options, including marketing, medicine, theology, political science, and finance. By the way, when filling in the order form you can choose the style of the paper depending on the university, for example, APA, MLA, Chicago/Turabian, etc. 7. Extra Essay — Best For The Top-Notch Extra Services Are you looking for the cheapest essay writing service that focuses on results? ExtraEssay will pleasantly surprise you. It is a unique combination of low prices, a customer loyalty program, transparency, and endless possibilities. For an additional fee, you get several features that are hard to find in other writing services. You can choose a writer who has already completed your assignments, select an advanced writer for double credibility, request a first draft to make sure the writer understands your requirements, and much more. Such a serious approach speaks volumes. Whether it's an essay, a speech, a cheap term paper, or a cover letter, the ExtraEssay team can do your assignment even a little better than you'd expect. Frequently Asked Questions 1. Is it legal to use academic writing services? Using academic writing help services is not against the law and can therefore be considered legal. Of course, part of any educational activity is completing assignments on your own, but with additional research paper writing help, you can improve your academic performance and free up time for specialized disciplines. 2. Is it possible to pay for the service after the assignment is completed by the author? The author's service is paid at the time of order. This is a guarantee of the site from unscrupulous customers. If you want to assess the quality of the writing skills of the authors, then many websites publish samples of written works. 3. What if I am dissatisfied with the quality of the completed essay? Every professional custom essay writing service has a refund option in case of unforeseen circumstances. If the work was done by the writer in bad faith, you will be refunded the amount of your order in full or partially, depending on the money-back guarantee policy. 4. Do research paper writers provide anti-plagiarism guarantees? Each text undergoes a plagiarism check: standard or Turnitin, at the customer's choice. Most websites offer the guarantee of 100% plagiarism-free essays and other written works. 5. Can university professors know that I have used the research paper writing service? No, they can't. Professional research essay writing services pay attention to the client's confidentiality and do not ask for their personal data. All communication takes place within the website. The academic writing company will not know where and in what educational institution you are studying. 6. Do research writing sites provide revisions after completing an assignment? Of course. All sites offer more than 3 free revisions. If you have written an essay yourself but are not sure of its quality, you can order proofreading or editing as a separate service. Final Words If you think you can't handle the study load, you don't have to give up on your studies. Just turn to academic writing services. Professional research paper writers will do their best to make even the most difficult essays, papers and calculations get an A+. We hope that our selection of reliable essay writing services will help you free up some time for your hobbies and for connecting with your family and friends. Let's learn to prioritize! Contact Details Halvorson Media Group Edward +1 929-491-3157 edward@halvorsonmediagroup.com Company Website https://halvorsonmediagroup.com/

January 25, 2023 01:39 PM Eastern Standard Time

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UNiDAYS Appoints Michelle Wheeler as Managing Director, Identity

UNiDAYS

UNiDAYS, the world’s leading Student Affinity Network, today announces the appointment of Michelle Wheeler as Managing Director, Identity. UNiDAYS enables brands to instantly verify and connect with over 200 million students across 115 markets worldwide. With three decades of experience in the identity business, Michelle has seen time and again the need and challenge facing businesses in establishing the digital trust necessary to facilitate meaningful interactions with consumers online. In her new role, Michelle will be focused on strengthening UNiDAYS brand partners’ access to the valuable but hard-to-reach student audience while extending best-in-class benefits and services to students. This appointment marks another milestone in UNiDAYS commitment to expanding their influence in the space of consumer identity, while accelerating growth in the student market. As an industry leader, Michelle will help UNiDAYS to continue to push the boundaries of identity, delivering exciting new propositions for students and brand partners alike. Michelle will work alongside the senior leadership team at UNiDAYS including Josh Rathour, CEO and Founder, Alex Gallagher, Chief Strategy Officer, and Jon Hawley, Chief Identity Officer. She will also have responsibility for overseeing and developing a global team of sales and marketing professionals to accelerate market development and growth. Based in Miami, Florida, Michelle’s previous roles have included Business Leader & Co-Founder of XOR Data Exchange, and Vice President of Business Development at ID Analytics. She was most recently Senior Vice President at identity, verification and authentication solutions company Prove – working alongside a variety of roles and functions. Jon Hawley, CIO and Co-Founder at UNiDAYS, says, “We’re delighted to welcome Michelle to our global leadership team as we build on our position as a world leader in digital identity and the instant verification of student consumers. Her wealth of cross-sector experience will support UNiDAYS’ ambitious growth plans, leveraging digital identity to add value to students’ lives through greater convenience, service and reward, while empowering brand partners with rich consumer permissioned data.” Michelle says, “I love that UNiDAYS is an impact solution for young people’s lives – helping them to prepare for the future, while making the most of today. It is motivating to join the company at a time when brands are understanding the integral role verification, and digital identity more broadly, plays in effectively connecting with this audience. I’m looking forward to creating more possibilities for students and brands – offering more services, more access, and enabling greater trust between the two.” To learn more about student verification with UNiDAYS iD visit https://corporate.myunidays.com/student-verification About UNiDAYS: UNiDAYS is the world’s leading Student Identity Platform, with a verified global membership of over 27 million members and an addressable audience of 200+ million students across 115 markets. UNiDAYS works with 800+ of the world’s biggest brands globally, taking their products and services into the hearts and minds of tomorrow’s professionals, by inspiring Gen Z to discover and connect with the brands and services they need. Its global members have spent more than $5 billion through the UNiDAYS marketplace since 2018. With the ability to instantly and securely verify and connect with millions of students worldwide through its identity platform and marketing solutions, UNiDAYS delivers reach and engagement for brand partners, maximising sales and building long-term affinity, at scale and speed across a full range of channels. The company has over 300 staff, with headquarters in Nottingham, UK, and with offices in London, New York and Sydney. For further information on UNiDAYS, visit www.myunidays.com. Contact Details UNiDAYS Alan Duncan +44 115 985 3070 alan.duncan@myunidays.com Company Website https://www.myunidays.com/PH/en-GB

January 25, 2023 08:20 AM Eastern Standard Time

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Half Of Consumers Wish Banks Were More Proactive About Delivering Relevant Advice and Products—Blend Says Its Cloud Banking Software Makes That Possible

Blend Labs Inc.

By Rachael Green, Benzinga Amid the highest inflation since 1981, consumers across the United States are not only struggling to keep up with their savings goals, many are falling deeper into debt to cover the rising cost of living. One study by LendingTree last year found that 43% of Americans were likely to resort to credit cards and loans to pay for necessities or emergencies in the six months following the survey. This situation has caused many to look to banks to do more to promote financial wellness and education to help their customers navigate these challenges while staying on track to meet their financial goals. Blend Labs, Inc. (NYSE: BLND) is one player helping banks to empower their customers with greater access to resources and providing an easier/simplified method for entry with a more streamlined digital experience and manage their financial well-being. Here’s how the cloud banking software developer’s platform is enabling financial institutions like PNC (NYSE: PNC) and US Bancorp (NYSE: USB) to deliver more personalized, proactive service to their customers. Consumers Want Financial Institutions To Do More For Their Financial Well-being A Forrester Consulting survey of over 2,000 banking consumers and over 100 lending strategy leaders found that 72% of customers want to see offers that are tailored to their personal needs and 71% are open to switching to a new bank if presented with a relevant product offer. As a result, two-thirds already have financial products from multiple different financial institutions. Despite that fragmented banking landscape, the survey found that more than 50% of consumers would rather stick to one primary bank for all their needs if they could. However, they expect their banks to do more to make that possible. 52% said they rely on alerts from the bank about important changes to their financial health and half of all respondents wished their bank took a more proactive approach to deliver relevant information and advice about their financial well-being. How Blend’s Cloud Banking Platform Makes Proactive, Personalized Service Possible Blend’s cloud banking software leverages consumers’ application information, credit score and other third-party data that banks have access to in order to help banks present personalized offers for financial products to help customers meet their goals. A consumer whose application for an unsecured credit card was denied could be presented with an offer for a secured credit card, for example. Similarly, a mortgage lender could send an offer for a home equity loan to a consumer who’s shown interest in remodeling their home. Automation is one of the key advantages of Blend’s software, not just for banks but also for consumers. Key features like single sign-on (SSO) authentication allow customers to fill out applications in a fraction of the time by pre-filling them with information that the bank already has. For example, consumers who already have a credit card with the bank have already provided a lot of the information that would be needed in an auto loan application when they applied for the card. Blend’s SSO authentication would save them the hassle of filling out all that same information over again. In addition to pre-filled information, banks can use Blend’s instant income verification to process applications faster. For example, this and other automation tools eliminate 11.9 hours of work per loan on average and shorten the overall loan cycle by 7.3 days for banks that are using Blend’s mortgage technology, according to a Blend-commissioned survey by MarketWise. These and many other digital tools could help banks develop a more proactive, customer-focused approach amidst the current economic uncertainty –- helping build deeper relationships with customers while empowering those same customers to make more informed decisions about their financial well-being. This article was originally published on Benzinga here. Powering the Future of Banking Blend is the infrastructure powering the future of banking. Financial providers—from the largest banks, fintechs, and credit unions to community and independent mortgage banks—use Blend’s platform to transform banking experiences for their customers. Blend powers billions of dollars in financial transactions every day. This post contains sponsored advertising content. This content is for informational purposes only and is not intended to be investing advice. This article contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements generally relate to future events, future performance or expectations and involve substantial risks and uncertainties. Forward-looking statements in this article may include, but are not limited to, our expectations regarding our product roadmap, future products/features, the timing of new product/feature introductions, market size and growth opportunities, macroeconomics and industry conditions, capital expenditures, plans for future operations, competitive position, technological capabilities and strategic relationships. The forward-looking statements contained in this article are subject to risks and uncertainties that could cause actual outcomes to differ materially from the outcomes predicted. Further information on these risks and uncertainties are set forth in our filings with the Securities and Exchange Commission. All forward-looking statements in this article are based on information available to Blend and assumptions and beliefs as of the date hereof. Except as required by law, Blend does not undertake any obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future developments, or otherwise. Contact Details Investor Relations IR@blend.com Company Website https://blend.com/

January 25, 2023 08:00 AM Eastern Standard Time

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