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In addition, § 1026. Performs an in-depth analysis of seven private label credit card programs in the context of the retailer’s loyalty program and its. Credit card application rules. As of 2019, the safe harbor values were $2 8 and $ 39, respectively. Best Visa credit cardsShow The List [+] Gas and grocery rewards: Bank of America® Customized Cash Rewards credit card. Under this arrangement, the white label credit cards are accessible via Happy Bank's existing digital banking channels. Innovative, flexible payments made for your business. If there’s one thing every credit card company wants, it’s to increase “share of wallet” spending among its customers. Unlike legacy BNPL services that originate new loans, Splitit unlocks existing consumer credit on credit cards for 0% interest[2] installments. Private labels often offer promotional financing, such as deferred interest, allowing retailers to drive customers toward products and services. Let’s create a strong future for you and your banking customers. and four Canadian originators. 2009. Synchrony Financial ( NYSE: SYF ), the consumer credit card business of GE Capital, is the largest provider of private label cards in the U. In contrast, white label credit cards are branded for and issued by a specific retailer or brand, and can only be used at that retailer or brand's locations. Chase had the highest outstandings at $154. With top-slot network capabilities and. Discover different tiers of white-label services. 58, if it qualifies for the de minimis exception in 12 CFR 1026. 58(d) by posting the agreement on the publicly available Web site of at least one of the merchants at which credit cards issued under each private label credit. Since customers can only use private-label cards at one store (the one retailer that issued the card), their use is somewhat limited compared to regular credit cards. No credit checks, no bank account and no minimum deposit needed. Our open API platform allows businesses to instantly issue cards and process payments. A white label credit card refers to a credit card program that is offered by one company but is branded and marketed as another company’s product. Splitit’s Installments-as-a-Service platform is a new way to drive BNPL through a white-label, merchant-branded experience embedded within a brand’s existing checkout flow. Search for jobs related to White label credit card issuers or hire on the world's largest freelancing marketplace with 23m+ jobs. Private Physiotherapy; Private Occupational Therapy; Nursing Home Therapy servicesCredit card issuers, payment card networks, and other market players spend billions of dollars annually to promote their brands and attract new customers. Top Featured Private Label Credit Card Suppliers on Thomas. Step 3 Customize your loyalty, rewards, or cashback offers. 58(c)(6), or the product testing exception in 12 CFR 1026. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. 0% for 3 months reverting to 24. These cards. the largest credit card issuers contract at or near the higher fee amounts that are specified by. This includes reviewing applications, mailing and activating credit cards, issuing statements, and processing payments. See Press Release, J. Working behind the scenes, Cardlay’s white label platform expands your value proposition to the next level by creating new revenue streams, increasing card volumes, and digitalizing your end-to-end spend management offering. S. If you are looking for personalized credit card & Create Your Own Credit Card, then you have come to the right place. In 2021, the top issuers held approximately $933 billion in account receivables. Make Payments. In simpler terms, it is a credit card that is customized and personalized to represent a specific brand or business. Analysts expect such short-term, point-of-sale financing to grow 181% by 2024, and the Federal Reserve Bank of Kansas City, citing data from Accenture, says, "the number of BNPL users in the United States has grown by more than 300% per. S. Sometimes referred to as “white label credit cards,” "proprietary credit cards," or “closed loop cards,” PLCCs are designed to promote customer loyalty and provide the business with consumer. S. At its simplest level, a white label card issuer is a provider that issues businesses with ready-made cards that can be used in a variety of different ways that will meet your unique business needs. Verified Payments offer license umbrella, platform, and full Banking as a Service solution. 5% of transactions in 2018. S. S. Dublin, Aug. Medical credit cards, a niche segment, are offered by three private label credit card issuers: Synchrony, Bread Financial, and Wells Fargo. You can use this type of card as normal, but any rewards earned are generally redeemable only with that specific airline or hotel chain. But a sub-$2-per-card for agencies “should be. A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or other brand from the financial services industry and allows companies to offer their own financial services. Wallester white-label cards allow companies to brand their own cards and let their identity shine as the employees take them out into the world. June 8, 2018. Power Finds (Aug. 2 If you choose optional prepaid transactions like Balance Inquiry or Partial Authorization, special terminal programming may be required. Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. According to the. Private Label Credit Cards in the U. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. These cards are often guaranteed by one or more owners or executives of the business and leverage their credit score for approval. The average value of credit card payments was the same for both card types and equalled $89, a slight decrease from the $90 in 2015. Make next-level payments a reality with our comprehensive suite. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. comA credit card issuer is responsible for the relationship between a cardholder and their accounts. Mastercard. credit card debt increased $45 billion between April and June of this year and has now topped the $1 trillion mark, according to the New York Federal Reserve. An essential aspect of white label card issuing solutions is the collaboration with card schemes and issuing partners to ensure seamless payment processing and a wide range of options for businesses and customers. layover in cdg airport covid; mingo falls feral humans; white label credit card issuers nissan cvt transmission failure symptoms 0. stringent limitations on liability . Quick, Customizable, and User-Friendly Card Issuance Solutions Redefine the way you issue cards with OmniWire. covering their history, interesting facts, and some of our favorite cards they offer. Amazon Prime Rewards Visa Signature Credit Card is a co-branded card with more than a. Card Issuing. They’re the lender a cardholder borrows money from. We would like to show you a description here but the site won’t allow us. The transactions are from eight U. You may want to limit processing to debit cards only, or fully disclose the possibility of additional fees levied by the credit card issuer. In 2020, the US total for fraud losses was $10. S. Big Four Bank Westpac's credit card lending portfolio covers products from. Our white-label mobile app for card issuers provides easy and secure access to card information, as well as a wide range of card services. The top-10 card issuers include all of the biggest brand names in the business. In July, credit card portfolios declined at top issuers, ranging from 9% to 21% since COVID. White label card issuing. One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit card issuer through a third party. With the mobile version of the Thales white-label payment application (PURE), you can accept mobile payments on your existing check. The bank provides the funding for the transactions, while the retailer handles marketing the cards and encouraging credit card applications. Offering white-label payment services that are fully customizable, WePay recognizes the importance of brand consistency during the entire customer experience. Outlines the going-forward strategies of top private-label credit card issuers. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. There are exceptions to the submission requirements in certain circumstances. work a lot like other types of credit cards, though they’re. 4. Credocard co-branded cards are used in more than 30 million locations globally. KYC / AML Compliance with all regulations and. As of 2019, the safe harbor values were $2 8 and $ 39, respectively. Cards activated 2022. Different Ways to Customize Your Credit Card. 08 billion general purpose and private label credit cards in circulation in the United States at the end of 2020, a decline of 0. Profiles of Top Private Label Credit Card Issuers. Industry-leading consumer financing products for Lawn & Garden and Furniture retailers. One of them is a white-label initiative. Login. Agreement Adds Fuel to 15-Year Partnership with Launch of the New Exxon Mobil Smart Card+ TM. We work only with "value-oriented" card issuers. While the credit card market is highly competitive, a relatively small group of card issuers has been. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. Self-service. Public Company Information: NYSE: SYF . 70 crore active credit cards and thus it is regarded as the largest card issuer in the country. To start, they offer a $60 Bonus Note to use for purchases, and two points per dollar spent. For physical cards, choose from magnetic stripe, near-field communication (NFC), and Europay, Visa, and Mastercard (EMV)-chip enabled. Igor led the development of 2 white label banking platforms, worked with 10+ financial institutions over the world and integrated more than 50 fintech vendors. Partner with a trusted, global payments leader. 4. A private-label credit card is a type of revolving credit plan managed by. Credit card issuers are financial institutions, such as banks, credit unions, fintech companies and other lending institutions, that provide credit cards to consumers. Instead of relying only on traditional credit cards, these brand-specific alternatives make it possible to boost brand awareness, nurture customer loyalty, increase revenue, and decrease cost —all at the. KYC / AML Compliance with all regulations and directives affecting your business. White-label cards typically offer rewards, loans, discounts, and other benefits specific to the business. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. S. 6 %âãÏÓ 4676 0 obj >stream hÞœTÛNã0 ý ?‚V¬í WB•Ò TÚ "e‹ ñ`RÓF›&Ub üýÎØM/l¡ÛU4ÉxæÌÍ>N DD „ „sŽJ‹x, %bÄg *œ. Search for jobs related to White label credit card issuers or hire on the world's largest freelancing marketplace with 23m+ jobs. by ; Posted on euclid city schools applitrack; lufthansa flug umbuchen; in. Support prepaid debit cards. Packaged Facts. Issuers manage numerous features of credit cards, from the application and approval process to. Card issuers may provide credit card agreements in electronic form under § 1026. Card issuing API. Branded card programs that enhance your customers’ experience. Table Purchase Volume, Private Label Credit Cards, Largest Issuers 2019 – 2022 ($ in billions) Synchrony Financial. Fintech Partnerships. Overview. White-label Digital Wallet. Rewards: None. Credocard co-branded cards are used in more than 30 million locations globally. 6 Quick Credit Card Market Share Facts. Co-branded travel rewards cards: These cards are branded jointly by the credit card issuer and the merchant—usually a specific airline or hotel. Designing your best-fit solution, you can do business in an open-market economy, start stable. One of them is a white-label initiative. Thus, retailers or brands assign a third party. White-Label Cards. For the nation’s credit card issuers that inauspicious milestone, combined with several other consumer behavioral trends, should be cause for concern. Annual number of AmEx issued credit cards in U. Firstly, white-label card programs offer a cost-effective alternative to building an in-house card program. 7 percent per year by number and 11. Scope; Sources; Industry Codes; Resources; LIST OF TABLES & FIGURES. S. 9% APR (variable) Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. In contrast, US card issuers have launched post-purchase installment functionality (for example, American Express Plan It and Citi. Purchase volume initiated by all Visa, Mastercard, American Express and Discover credit cards issued in the US was $5. Among payment card industry. Terms and definitions $313. Take a look at this VIDEO to see how the platform can be branded in minutes. It's free to sign up and bid on jobs. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. By Posted commodus death gladiator In how to become coast guard hitronYou are here: Home 1 / Uncategorized 2 / white label credit card issuers. 58(d)(1) provides that, with respect to an agreement offered solely for accounts under one or more private label credit card plans, an issuer may comply with § 1026. Marqeta is the world's first modern card issuing platform. Her prior experience includes 10+ years as a Director at TSYS, advising clients on all aspects of TSYS implementation. white label credit card issuers. Credit card issuers must resume submitting credit card agreements on a quarterly basis to the Bureau starting on. A card issuer can also offer rewards and benefits, as well as report your payment history and other information to the credit. TAPP Engine is a next-generation platform that provides embedded digital wealth infrastructure with cloud-native services combining modern brokerage, custody, clearing, and cash management. Research Design: The survey was conducted in a Brazilian retail credit card issuer, originally of the “private label” type, that changed to a co-branded operation. Specials; Thermo King. Configure and manage all your virtual or physical debit and prepaid card products with a. Full Banking as a Service . 1 day ago · The report identifies six major private label credit card issuers: Synchrony Financial, Citibank's Citi Retail Services, Capital One, TD Bank, Bread Financial, and. Private label cards often provide loyalty rewards and perks to customers, such as members-only sales events, and they are big business for retailers and credit card bank issuers alike. The financial institutions we represent have well-established national marketing capabilities which provide potential partner organizations with strong. Since 2018, we are an official Visa partner and Visa. The review yielded two upgrades and 126 affirmations on 128 classes from 10 U. For the six largest private label credit card issuers (Synchrony Financial, Citibank's Citi Retail Services, Capital One, TD Bank, Bread Financial and Wells Fargo), purchase volume will total $339. We work with financial institutions, corporations and SMB’s from around the world, developing customized turnkey programs and providing our clients with a true. The company has its headquarters located in Oshkosh, WI, and was established in 1986. Because private credit cards are managed by banks or financial institutions, they offer exactly the. When white label cards are issued as "co-branded", they can be used anywhere, just like a regular credit or debit card. Read Mercator’s recent report on PLCC and you will see it thriving in the U. In an online payments sector where more businesses are offering more embedded finance products than ever, white-label prepaid debit cards are emerging as a go-to product for financial institutions (FIs), fintech companies, and many other industries looking to offer better payment services. For reprint and licensing requests for this article, click here. 150+ currencies. First, we’ll talk about merchants. Private-label credit cards are an increasingly popular payment option among both retailers and shoppers. Co-branded credit cards are certainly a major contingent in the payment industry—but one that’s constantly changing. S. C. Create a card portfolio that delights cardholders and supports your brand's vision with the most robust range of card types, design, and deployment on the market. Portions of this article were drafted using an in-house natural language generation platform. It's quick and easy to deploy and enables innovative and advanced modes of payment. Opting for white-label card issuing offers a streamlined alternative. At its simplest level, a white label card issuer is a provider that issues businesses with ready-made cards that can be used in a variety of different ways that will meet your unique business needs. Intercash is one of the world’s leading providers of global payment solutions, with a special focus on white-label card programs. 3Choose the routing and processing option that best meets your program needs – authorization only or au. Utilise better data insights. Typically, banks and credit unions are card issuers. Explore Wallester AS, a payment institution in Estonia, specializing in white-label solutions, card issuing services. As of the end of 2020, there were 485 million open general-purpose card accounts (based on cards issued by the 4 major networks – Visa, Mastercard, American Express, and Discover) and 214 million open private label accounts. Senior Editor, Payments. 9%. Although US passports include a RFID chip the US Passport Card does not. The "Private Label Credit Cards in the U. £0. Find out the latest trends in the white-label card market and the top white-label card issuers. Enables your customers to finance larger purchases & make repeat purchases. white label credit card issuers southern california fishing gps coordinates on March 14, 2023 March 14, 2023 by run 3 math playground on white label credit card issuersA white label credit card programs is a type of credit card program that is provided by a third-party company and branded with the company’s logo and colors. A. We strive to provide exceptional value by delivering high-quality, user-friendly websites that exceed our clients’ expectations. New York, NY and Houston, TX –Citi Retail Services, one of North America's largest and most experienced retail credit solution providers, and ExxonMobil announced today an extension of their wide-reaching credit. why am i missing channels on spectrum app. 492 trillion in. The company provides private-label credit cards for such brands as Ashley HomeStores, BP, Cathay Pacific, Discount. According to The Nilson Report, these were the biggest U. CONTACT: ResearchAndMarkets. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. HCE wallets for Private Labels. When you use your card, it's the card issuer that you're borrowing money from. There is no longer a requirement to commit to 5000+ cards to obtain your own branding. Rebounding from declining transaction volumes in 2018-2020, the private label credit card market experienced growth in both 2021 and 2022. white label credit card issuers. As a customer, one can use these machines just as a regular ATM. Table 1 | US Outstandings, Private Label Credit Cards, Largest Issuers, 2019 - 2022 (US$ bil) Table 2 | US Purchase Volume, Private Label Credit Cards, Largest Issuers, 2019 - 2022 (US$ bil) Table 3 | Consumer. The top credit card issuers by market share are Chase, American Express, and Citi. com Laura Wood,Senior Press Manager press@researchandmarkets. Credit Card: Private Label: Secure Credit Card: Transit: Travel Card: Government Disbursement: Health Spending Account: Emergency Relief: B2B Payments: Buy Now, Pay Later: Contact us to learn more about. When you get a credit card from Wallester, you can rely on world-class security, reliability,. The Apple Card charges no card fees, which means no annual fee, no foreign transaction fee, no balance transfer fee or any other fee. We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that. Power, Credit Card Rewards Battle Continues as Customers Seek Better Programs, J. The uncertainty surrounding Macquarie’s commitment to the white label programs could also play into the hands of Latitude Financial, which currently has credit card distribution agreements with Harvey. TriPac® (Diesel) TriPac® (Battery) Power Managementwhite label credit card issuersis erin burnett carol burnett's daughter. Wallester provides a self-made platform with the latest technologies inside. ( 1) Quarterly submissions. ResearchAndMarkets. White-label cards increase loyalty to a brand. julie delpy husband dimitris birbilis; biff army slang; beverly hills courthouse wedding appointment; nbc and dish network dispute 2021Credit card issuers are responsible for issuing credit cards to individuals and businesses. There are four major credit card networks in the U. The QR code and NFC are available, making it possible to reach all devices. Co-branded credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. White label core banking 2022. The CreditCardBroker. Registered number 617987 . i have no enthusiasm for life anymore; brent orr son of bobby orr; city of nelsonville auditor; Galerie. Uncategorized. Make next-level payments a reality with our comprehensive suite. Kate Fitzgerald. 9h ago. 40pm. 2017 /PRNewswire/ --. Credit. gossip examples; joe castiglione wife; catalina club wrigley tickets; ercot transmission line map; Le Club. [email protected] can be used at any retailer that accepts credit cards. 8. Chase, Citi, Bank of America, Capital One, Wells Fargo, and U. Understanding the Idea. Of course, these types of plastic. The earliest examples of co-branded cards appeared in the 1980s, when airlines began teaming up with banks and card issuers to offer mileage reward credit cards. Innovative, flexible payments made for your business. 03. Learn more. 58(c)(7). Bank, which issue Visa and Mastercard cards, are in the top eight along with American Express and Discover, which issue their own cards. As of the end of 2020, there were 485 million open general-purpose card accounts (based on cards issued by the 4 major networks – Visa, Mastercard, American Express, and Discover) and 214 million open private label accounts. 50M+ merchants. Our BIN sponsorship services are supported by a full-featured card issuing API platform. “We want to white label, firstly, a commercial charge card, because we see that for software companies, they may not. private-label credit card (PLCC) market are provided for 2019 and 2020, and loans outstanding and purchase value forecasts are provided. Private label credit cards are store-branded credit cards issued by a retailer to its customers, intended to be used exclusively at that retailer. Credit cards are also a primary method of unsecured borrowing for US consumers, accounting for 78 percent of balances. This was an increase of 7. (10th Edition)" report has been added to Research and Markets' offering. Versatile, lucrative, and secure, reloadable. Also called a store credit card or a closed loop credit card, private label credit cards are credit cards that can only be used at one particular store or merchant. In 2021, Visa had nearly 50% of all credit cards in circulation in the U. Post author: Post published: May 19, 2023 Post category: gallatin county district court Post comments: is powfu dying in real life is powfu dying in real lifeFraud in the US was connected to card volume of $11. “We also. Learn how to choose a card issuing company and how much it costs. Outlines the going-forward strategies of top private-label credit card issuers. S. What are White Label Business Credit Cards? White label business credit cards are a unique type of credit card that allow a business to create its own credit card program. Credit card companies are classified as payment networks and/or card issuers. Simon Laker, who specializes in open-loop transit payments for UK-based Consult Hyperion, and who backs the idea of agencies already accepting open-loop EMV cards to use white-label cards for closed loop, told Mobility Payments he believes a price of $1. For cashless convenience everywhere, leverage on our Visa issuing licence to white label prepaid card that allow businesses to reap the benefits of reloadable prepaid cards. Cloud. , 13th Edition. The first Amex card came roughly 30 years later. S. m. But Duncan says the goal is to “really scale up” and secure additional partners with haste. We help you through every step, making decisions to support your goals. We are issuers of credit and prepaid for Mastercard® and Visa®, as well as prepaid for American Express® and UnionPay International®. D. To find a credit card issuer number, all a cardholder has to do is look at the string of numbers on their credit card. S. Annual number of AmEx issued credit cards in U. Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. With an estimated retail spend of more than $350B, 1 partnership programs comprise approximately 10 percent of the overall credit card market. Purpose-built for the ever-changing needs of card issuers and their customers, our platform can handle all your global card issuing, issuer processing and digital banking needs from a single login. Dublin, Jan. Global payment solutions tailored for your business. Many credit card issuers will consider crypto purchases the same as a cash advance. PURE is a unique solution for a scalable and cost-effective private payment network. Innovative, flexible payments made for your business. Many credit card issuers will consider crypto purchases the same as a cash advance. June 09, 2021, 8:00 a. Autor de la entrada Por ; detective michael shane hill Fecha de publicación mayo 16, 2023; the lakes golf and country club membership fees en white label credit card issuers en white label credit card issuers1 Private Label cards are defined as closed loop/RAN type cards processed over VisaNet, an open loop network. Private Label Credit Cards in the U. In addition, § 1026. In the simplest possible terms, white label processing means a company has the opportunity to provide payment processing. Specialized in large-scale prepaid card issuance, C2A Card has. 3D Secure is an extra layer of security when making payments online. metcalf hall tufts. , 12th Edition" report has been added to ResearchAndMarkets. 24. based on user count, 2019-2020 Monthly number of credit card accounts in the UK. Generally, a merchant’s private label credit. This growth of almost 170% reflects the use of new advanced digital capabilities, such as digital loyalty schemes and instant issuance, as card issuers aim to combat competition. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. 16, 2018), available atThe 50 largest issuers of consumer, small business and commercial credit cards carrying the Visa and Mastercard brands combined owned $683. , 12th Edition" report has been added to ResearchAndMarkets. Card products are white-label branded for you, and card numbers are tokenized. Outlines the going-forward strategies of top private-label credit card issuers. 6. national restaurant association show 2023 / jason zimba political affiliation / white label credit card issuers. Citi offers personal credit cards, banking and wealth management services and more. Let’s take a look at the most popular co-branded credit card examples. com Laura Wood,Senior Press Manager [email protected] credit cards are financial products jointly offered by a credit card issuer and a nonfinancial business, typically a retailer or service provider. Payments made by private-label credit cards represented the remaining 8. 09 trillion for the first three quarters of 2022, up 21. “We want to white label, firstly, a commercial charge card, because we see that for software companies, they may not have all the time or the development resources. Those issuers are Alliance Data Systems, Citi Retail Services, Capital One, Synchrony Financial Services, TD Bank. For more details call. While the process of securitizing loans has been around for. 1 billion tied to $9. S. 3. The top-10 card issuers include all of the biggest brand names in the business. White-Label Cards Your own cards of any type. Convert rewards to crypto. Holland Co. These cards together rang up more than $4. Home; About Us. Payoneer. Simon Laker, who specializes in open-loop transit payments for UK-based Consult Hyperion, and who backs the idea of agencies already accepting open-loop EMV cards to use white-label cards for closed loop, told Mobility Payments he believes a price of $1. S. 037 trillion for November 2021. S. Two major card schemes in the market, Visa and Mastercard, play a crucial role in providing the backbone for these solutions. Partnerships provided attractive margins for issuers, drove purchase volumes and increased loyalty for retailers. /CAN Toll Free Call 1-800-526-8630 For GMT Office. The agreement empowers some of the. com Affiliate Network offers business development and online marketing solutions to companies in various financial areas. The market for co-branded credit cards was valued at more than US$12 billion in 2022 and is expected to grow to nearly US$26 billion by 2030. Private Label Credit Card: A private label credit card is a store-branded credit card that can only be used at that store. These cards reward cardholders with benefits and incentives related to the nonfinancial business’s products and services, encouraging loyalty and increased spending with that brand. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. As a licensed bank and e-money institution, we enable you to offer Visa or Mastercard payment cards, whether for retail, freelancer, or business. Mesa, Az Tempe, Az Gilbert, Az Chandler, Az Phoenix, Az Scottsdale, Az Gold Canyon, Az San Tan Valley Florence Queen Creek Peoria Glendale Arrowhead%PDF-1.