Home Loan Details includes single premium loan insurance and processing fees. Corporate Bank account opening. If you want to offer customers the full range of banking services — from basic current accounts, to credit products and financial advice — a full banking licence is the way to go. Sort . Professional assistance in creating an EMI license (e-money electronic money). Find a bank or an EMI by its domicile country, part of its name or BIC code. Authorisation of Electronic Money Institutions (EMI). The European Crypto License allows you to work legally in the EU, makes crypto-business transparent, and increases the trust of customers, partners, and state regulators. Obtaining EU EMI license and the technical framework that meets European regulatory requirements, it provides innovative digital banking services for European users and overseas Chinese around the world. The Emergency Management Institute's Mission: To support the Department of Homeland Security and FEMA’s goals by improving the competencies of the U. Capital Requirement: minimum EUR 350k (some addition may be required to convince thataforementioned firm is well-capitalised) 3. Discovered at age 11 by Jimmy Savile on a British television series, [1] his early career was primarily spent performing classical music, and has since expanded into jazz, klezmer, and other music genres. Orchestra. The payment link feature has been greatly beneficial, which we can send to all our customers enabling seamless transactions. License for operating activity: FIU000407. Revaz Tabukashvili Str. Each state in the United States. Countries: Israel, Lithuania and Poland. In 1921 the first Polish Highway Code was. Last name. proprietary payment platform for businesses (3. 2. Step 2: Formation of Maltese trading company. Buy BORN PRETTY UR SUGAR UV/LED Nail Polish, 7ml (Shade URH059) online. ) Registered or de facto address on the territory of Poland. i. Enigma Records. , EU e-money license) if needed. Genres. Improve productivity and reduce the risk of injury to operators, passengers, and pedestrians. You must be a permanent US resident at least 18 years of age and have a US driver's license that will remain valid for the next six months. texas. Step 1: Arrangement of meeting with the Bank of Lithuania. EMI/EMC testing indicates to engineers whether a device is compatible with its electromagnetic environment and determines whether the device will produce. See also The Work of. € 3 500 up to 4 weeks. OMNIO EMI LIMITED: Chester: CH4 9QT: GB: One Finance Britain Ltd: London: EC4A 3TW: GB: One Money Mail. Monzo makes managing money as easy as 1-2-3. Seats in both the Sejm and Senate were contested. August 30, 2022. Since the bike loan is based on the income you earn, the bank will require proof of your income. Step 3: Specialized corporate bank account. First name. The only way in which users can find an entity within our register is by. trucks, buses, and tractor-trailers) or a vehicle of any size with at least 16 passengers (including the driver) or hazardous materials must have a commercial driver's license, commonly abbreviated as CDL. Contact us and get a quotation from our legal department. The company provides software for online casinos, online poker rooms, online bingo games, online sports betting, scratch games, mobile gaming, live dealer games and fixed-odds arcade games online. OMNIO EMI LIMITED. Management board consisting of people over 18 years of age, with no criminal record. 2. EMI-Capitol Special Markets. Authorisation for payment institutions are applied under the Revised Payment Services. Procedure to obtain EMI license in Malta. Importantly, electronic money institution can also provide payment services – without limitation. An application for the EMI license is submitted by the applicant to the National Supervisory Authority. Issued e-money with an annual average outstanding amount. Her modeling debut was on the. In order to operate as an EMI in Europe, a company must obtain a license from the national regulator in the country where it is based, and it must meet certain requirements, such as maintaining a minimum level of capital and establishing systems to prevent money laundering and terrorist financing. Usually the process of obtaining small EMI and PI license takes less time, requires less documents and verification. In order to operate as an EMI in Europe, a company must obtain a license from the national regulator in the. com EMI License in Europe. STAGES OF OBTAINING A CRYPTO LICENSE IN POLAND. Importantly,. Mon - Fri: 8AM - 5PM. William P. EMI or Electronic money institution it is a fintech license, most common within Europe, but, there are various all around the globe. An electronic money institution (EMI) is a symbol of the evolution of financial services. The average IELTS scores of the students taking part rose by about 0. 000,00 EUR. Preparation and submission of documents for the registration of the company in Poland. Sign up to Regulation Round-up, our monthly newsletter to firms on hot topics, events and sector news. AYUSH Licence Available: No: AYUSH Licence Required: No: BIS Certificate Available: No: BIS Certificate Required. It is licensed and regulated by the respective authority. The licensing process involves some requirements for approval with the MAS, however the process is relatively straightforward with regards to EMI activities in Singapore. I. FM. address: 435 Orchard Road, #17-01/02/03. The UK regulator will charge £500-£5k for the same thing, whereas the Maltese. Lvivo str. His playing was marked by great passion and poetry. All Categories. Call the Prifinance Company: ☎️ +372 602-65-11: 24/7 customer support. Matty Cash has trained as normal despite his recent. Incorporation between 6-9 Years. Labels. Law and Trust International proposes obtaining a necessary Hong Kong EMI license according to the requirements and laws. Professionals for Crypto License in Poland - Free Consultation. The regulator for the company will be Generalny Inspektor Informacji Finansowej (the General Inspector of Financial Information). Our partners. We supervise 85 electronic money institutions. from 3. Both laws establish a series of. Tetra Consultants will arrange for a pre-application meeting with the Bank of Lithuania to assess your business model and potential risks. 512. The EMI calculation formula to calculate loan EMI is as follows: EMI = P x R x (1+R)^N / [ (1+R)^N-1], where P is the principal, R is the rate of interest, and N is the tenure. - Tools and resources - Product activation - Volume Licensing Service Center. A global leader in digital innovation, Estonia was the first country that introduced crypto licensing. Whether the need is authentic 1940s parade music to a late night jazz trio to varying styles of mariachi to cheesy nursery rhymes performed on xylophone - APM has it! The website is the most efficient and effective one out there, and for specific or fast searches. Here's a quick checklist to understand their influence better: EMI License: Ensures the security of electronic money transactions. In December 2018, KoronaPay Europe Limited was granted an Electronic Money Institution (EMI) license №115. 'Girls from Dubai') is a 2021 Polish erotic drama film about the life of Dubai escort girls. Scoring. Peer to Peer Lending license (Israel) Let`s talk. Enhance your curriculum. Enter the principal, tenure, and rate of interest to calculate the EMIs payable, and total interest payable and get a detailed amortisation schedule. Cost of living in Barcelona, Spain is about the same as in Madrid. A 2017 literature review found that graduated license programs have been instrumental in reducing car crashes among 16 and 17-year-olds. gov. SPI license in Poland – whats included: SPI ready-made company was registered in 2018, Poland; SEMI license obtained; share capital in 150 000 EUR is fully formed; all package and documents for upgrading to EMI will be provided; opened accounts in PKO bank and Millennium bank; connected with two providers. However, working with an experienced corporate services company can help. 1. License Our Culture Guides. 4 out of 5 stars : Best Sellers Rank #37 in Software (See Top 100 in Software) #2 in Office Suites SoftwareDate First Available : 2 July 2020 :. by WAYA Staff - Nov 23, 2022. Crypto license in Estonia. Name . In most cases utilizes for digital banking operations. As part of your E-money EMI / Electronic Money Institution license application in the Netherlands, you will be required to submit a number of documents, policies and procedures, including, a business plan, your safeguarding measures (how you will keep your client money separated and ring-fenced), your governance arrangements and risk management, your procedures for managing and handling. The EMI will operate through an online platform and thus technology used is a key parameter in the EMI license application process. Loans provided. When registering a company in Poland, an entrepreneur can use a special Internet portal S24. Phone. Products. Send a YQ request to the entering agency with a number "2" in the Request Number field Pg. To clarify the differences between the two, here is a brief comparison: Horizontal scrolling . The Work of God's Children Yoruba Rosary Prayers This language is also known as Yooba, Yariba, and Ede-Yoruba. BORN PRETTY PRO Soak Off UV/LED Nail Polish, 15ml (Shade 19) more sellers. A: Obtaining a Lithuania EMI license provides numerous benefits for businesses. 37)The 2023 Polish parliamentary election took place on Sunday, 15 October 2023, as per the Polish Constitution. It is listed on the London Stock Exchange and is a constituent of the FTSE 250. E-money wallet for Consumers ii. Almost all professional car dealerships, whether you are buying a new or a used car, will do the work of registering a car and getting the license plates for it. The Next 365 Days (Polish: Kolejne 365 dni) is a 2022 Polish erotic drama film directed by Barbara Białowąs and Tomasz Mandes. In 2001, he graduated from Warsaw -based Aleksander Zelwerowicz State Theatre Academy and started a successful film and theatre career. Matthew Rowell. In 2012, Leif Ove Andsnes has signed to Sony Classical, and recorded for the label the "Beethoven Journey" project, which included the composer's five piano. It is worth paying attention to the fact that Poland is the leader in. To obtain AEMI license in Poland, enterprises must obtain permission and must be entered in the Register of Payment-Services Providers maintained by Polish. List of requirements for applying for a new EMI license in Lithuania. It depends on the jurisdiction and the specific requirements of the regulator issuing the license. An electronic money institution (EMI) is a financial institution that is authorized to issue electronic money (e-money), which is a type of electronic payment system that allows individuals and businesses to make financial transactions electronically. Staying compliant. 1. Imperial Records. price and terms starting from 2000 eur and 2-3 weeks. With it, 1 out… Liked by Ernestas Narmontas. 1 and MS-DOS. Follow us on: About Us;Safe Fleet designs, manufactures, sells, installs and services fleet safety solutions. An Electronic Money Institution License (EMI or EM electronic money) is a legal document issued by the relevant regulatory authorities. Simply put, we can break down our Poland company incorporation engagement into four different phases: Planning and Strategy. On average, it takes a business 4-5 months to obtain its own EMI licence – a long time to wait. And there is a stringent list of all documents, policies and procedures that need to be submitted to the FCA. Fintech Licenses. 5 billion electronic money (e-money) transactions in Europe in 2021, compared to just over 4 billion in 2018. It is the first jazz music part of the series "The Best. Daily visitors: 4 541 180 Daily pageviews: 25 158 138 Alexa Rank: 100 License in Europe. The full license for e-money is not restricted to either time or area of activities. The Republic of Malta is one of the top three countries by the number of issued EMI licenses. Phone: +37066108308. Various artists. Generally speaking, the future EMI license owner must: Be at least 18 years old and of sound mental capacity. backchannel definition: 1. STAGES OF OBTAINING A CRYPTO LICENSE IN POLAND. a method of communication or discussion that is not direct or made public: 2. Poland Payment System License. In a nutshell, the EMI option scheme is the most tax-efficient way to grant options to your employees. Equity capital – EUR 350 000. Learn more. Poland; Singapore; Spain; Turkey; United Arab Emirates; United Kingdom; United States; AbeBooks Books, art & collectibles: Amazon Web Services Scalable Cloud Computing Services: AudiblePilot Stage under Restricted License 11 11. The primary legislation governing business activities related to virtual currencies in Poland is the Polish Act of March 1, 2018, addressing money laundering and the financing of terrorism (published in the Polish Journal of Laws in 2021, under items 1132, 1163, and. EMI license in Lithuania. Email: zdsc. English , Germa n, Span ish, Ita lia n, etc. Universal Music Group N. Timeframe: 8 weeks. (PBI), a fully owned subsidiary of the Company, has been granted a license to operate as an Electronic Money Issuer (“EMI”) by the Central Bank of the Philippines, ‘Bangko Sentral ng Pilipinas’ (“BSP”). Tetra Consultants will assist you in the Poland company incorporation procedure by adhering to the following steps below. Contact me! The essence of Polish crypto authorization. On November 12, a Ukrainian driver. Home Value is the actual price of the home you purchased (i. Lithuania. English terms prefixed with hemi-. Andsnes has made several recordings for Virgin and EMI. S. However, among the main requirements for obtaining an EMI license, the following can be distinguished: Step 1 – research and planning. Commencement of Commercial Operations 11 12. This less demanding application process also takes 6 to 12 months. Company address: Lvivo g. Sergiu Celibidache (Romanian: [ˈserd͡ʒju t͡ʃelibiˈdake]; 11 July [O. Banking Licenses. Obtaining a crypto license. Release the subject or property immediately B. Investment Licenses. hemi-. An Electronic Money Institution (EMI) license in Cyprus is a type of authorization granted by the Central Bank of Cyprus that allows companies to issue, store, and manage electronic money (e-money) and provide payment services. Credit portfolio. Email. We give a high specter of opportunities for very interested person. Usually the process of obtaining small EMI and PI license takes less time, requires less documents and verification. This may be in the form of value stored on a technical device such as a chip card or a computer. Spend confidently. Crypto license in Estonia. Despite their hesitant approach to regulate cryptocurrency, the. 25-702, 14th floor, LT-09320 Vilnius, Lithuania. UMG's corporate headquarters are located in Hilversum, Netherlands and its operational headquarters are located in Santa Monica, California. Share capital is €500. vary depending on whether you are a short-term visitor or resident. A. 2. Microsoft. i. com. Revaz Tabukashvili Str. Whether you need a provider with a full banking licence or an e-money licence, Solaris can help. See full list on tetraconsultants. Hobby Building | 333 Guadalupe Street | Tower 3, Suite 800 | Austin, TX 78701Step 4: Get Into Law School and Earn a J. Serving as a sequel to 365 Days: This Day (2022), it is based on the third novel of a trilogy by Blanka Lipińska, and stars Anna-Maria Sieklucka, Michele Morrone, Simone Susinna, Magdalena Lamparska and Otar Saralidze. Accelerate your business with new commerce. The Fintech is targeting e-commerce companies with payments services, specifically with merchant’s cross-border. 2022 1394. Anthonia Edwards. 37) Opay Holding Limited. Policy statement and objectives. For EMI licenses, there are Greece, Hungary, Norway, Poland, Latvia and Bulgaria with the increase of 1 license (0-1) and the UK with the increase of 5 licenses (33-38). Additional Requirements for Sponsors of MFBs and EMIs Applying for Digital Retail Bank License 13 14. State driver’s license without an IDP is not acceptable. EMI or Electronic money institution it is a fintech license, most common within Europe, but, there are various all around the globe. We use cookies to ensure that we give you the best experience on our website. The 10-year license incentive will be granted to responsible drivers with clean records beginning in. 30/2018 by the Central Bank of Cyprus. Up to now their biggest success is winning the Bursztynowy Słowik (main award) as well as the People's. 0. About us Team Career. To increase transparency and ensure a high level of consumer protection within the European Single market, the European Banking Authority (EBA) established a central register that contains information about payment and electronic money institutions authorised or registered within the European Union (EU) and the European Economic Area countries (EEA). This license allowed the traditional banking system not just to upgrade itself to an online system, it allowed us to use a fintech online system that we can. The corresponding permissions are provided by regulative body – National Financial Supervision Commission. 95 USD. 0; additional terms may apply. authorization (LT/LV) EMI. Binance Poland Spółka z Ograniczoną Odpowiedzialnością has been granted Virtual Asset Service Provider (VASP) registration by the Polish Tax Administration Chamber of Poland in Katowice (registration number RDWW – 465). It should be noted that the total amount of funds accepted per user at any time cannot exceed the equivalent of 2,000 euros. Engineering Council of India (ECI) 6. Conditions for LicensingAmazon Pay Later is the hassle-free way to get instant credit, via a completely digital process, for purchases using EMI on Amazon. 50). 08. We can cover the full spectrum of banking services, from ‘smart contract enabled’ core banking to accounts, payments. Loading. Born in London to American parents and raised in Encinitas, California, Ratajkowski began her career as a child actor appearing in two episodes of the Nickelodeon series iCarly (2009–2010). Although the European Union has put tremendous efforts into harmonization and standartization of e-money institutions business, including activities, licensing, monitoring, and auditing, the diversity of the European countries comes into the scene when dealing with e-money institutions ranging from choosing an EMI to open an account to. Search music tracks, create playlists, music to license for your projects or content . The registration identifier is a numeric or alphanumeric code that uniquely identifies the. Crypto license in Poland starting from 2000 eur and 2-3 weeks. Own an initial capital of no less than USD $225,000 for the EMI. Cost and terms of obtaininga cryptocurrency license in Lithuania. This card will be issued by the Card Issuer, but under the logo of PI or EMI. Poland. 5% for casino games, in. the Students and Teachers of Emi Classrooms in Poland 155 is little research into the impact of EMI on how much English students learn, and how much content they absorb. The FCA defines e-money as any electronically stored monetary value represented by a claim on the electronic money. EMI starts at ₹267. authorization (LT/LV) EMI. 3. The Best Smooth Jazz. – The registration fee for small PI or EMI licenses in the UK – GBP 500. Electronic money is a digital form of monetary value issued by authorized institutions for making payment transactions and can. Artistic director of several record companies ( EMI, Deutsche Grammophon, RCA Victor, Philips, Sony ), he had more than a thousand discs recorded, including a hundred operas. EMI can do all the things the Payment Institution can do and is also is allowed to provide IBAN accounts, payment cards and e-wallets. Since 2001, he has performed at Teatr Współczesny in Warsaw. An e-money institution should be a company incorporated in the same country where a application for the EMI license is going to be made. Despite a decrease in the overall number of payments made, the value of non-cash payments as a whole is increasing. Poland: SFS – Financial Services IME S. EMI TG12345. txtPWM. It is divided into 16 administrative provinces called voivodeships, covering an area of 312,700 km 2 (120,700 sq mi). Duration. i. Unlike Its neighbors, the capital requirements for obtaining a license regulation in Poland is only 5,000 PNL which is around 1,100 EUR. EMI for sale in Poland: General. The capital should be at least € 350. Start Your FREE 2023 IL DMV Practice Test Now. The average amount of outstanding electronic money totalled €1. Consular Section. Start or grow your career in IT with an IT certification from CompTIA. Strickly speaking, an electronic money institution (EMI) is an undertaking that has been authorised to issue e-money. [3] It had less than 250 staff, mostly seconded from national central banks, and. For example, a Lithuanian regulator charges a registration fee of €682-€1,463 depending on the type of company. 12 ATLAS PAY LIMITED SEPAGA E. And you will need to create your own payment ecosystem which might cost another € 500. Getting a cryptocurrency license in Dubai is available at DMCC and guarantees the legality of your business. SEPA/Centrolink connexion is possible to connect. PSD2, or the Payment Service Directive 2, is an EU Directive (Directive 2015/2366) which sets requirements for businesses that provide payment services. For more information, contact the Polish Border Guards: Phone: +48 22 500 4068, +48 22 500 4568, or + 48 22 500 43 76. Please report suspected fraud to banking. In fact, it's been so successful that some states are considering adopting graduated license programs for 18 to 20-year-olds who are becoming first-time drivers. 25-702, 14th floor, LT-09320 Vilnius, Lithuania. 6-18 Network fees: $10,000If you intend to travel to Poland from Belarus or Russia, you must apply for a humanitarian reasons permit. Tetra Consultants will assist you in the Poland company incorporation procedure by adhering to the following steps below. It also enables businesses to offer payment services, boosting customer convenience and satisfaction. (often abbreviated as UMG and referred to as just Universal Music) is a Dutch–American multinational music corporation under Dutch law. i further certify that i understand that a valid state driver's license must accompany this permit, and that this permit is valid only as long as the state license is valid, but not to exceed one year from the date the permit is issued. License of electronic money institutions number LB000457. Richard Jones. Phone: +37066108308. B. With your EMS tracking number in hand, head to the Ship24 website. D-BAAA to D-BZZZ for aircraft with 14–20 t MTOW. Pay the fees of 870 AED. CEO Americas & Africa. UTCA vehicle registration plate, also known as a number plate (British English), license plate or licence plate (American English and Canadian English respectively), is a metal or plastic plate or plates attached to a motor vehicle or trailer for official identification purposes. Your IDP is a valid form of identification in 150 countries worldwide and contains your name, photo and driver information. Tweeq was granted the Electronic Money Institution (EMI), E-wallet, license by the Saudi Central Bank (SAMA) to launch its mobile-first app in Saudi Arabia. Step 5: Minimum local presence requirements. Will MIke's cousin be able to help drive Mike to school?, Tyeera wants to work as a driver for a tourist van company. Originally called 'Q2', the band later adopted 'Kupicha Band' as its name and then finally 'Feel'. Documents such as Salary Slips (Payslip), Recent Income Tax Returns (ITR) and Form 16. Thought Machine's Vault core banking platform gives banks full control to do, and build, anything they want. Let the dealer handle it, if you are buying from a dealer. Debit Card EMI. was the company's North American operations founded in 1986. Step 2: Formation of Maltese trading company. Matty Cash has trained as normal despite his recent withdrawal from the Poland squad. Compilation album by . The Symphony No. Manage your license. Following the 2019 Polish parliamentary election. K. m. But from reports on local papers, it seems (this is just the writer’s inference) it’s only when the EMI licenses of such apps are pending. Capital Requirements. PIT 17%, 19%, 32%, depending on the form of taxation and profit in the. [2] At the age of 17, in 1971, Egorov took 4th Prize in Paris at the Marguerite Long-Jacques Thibaud Competition. The soundtrack features many of the band's songs and unreleased recordings including tracks. 25-702, 14th floor, LT-09320 Vilnius, Lithuania. E-money wallet for Merchants August 30, 2021 Live 2 M/s Finja Pvt. 8 billion as at 31/03/2023. WhatsApp us: +972504938469, email us: info@gbo-il. Cost of living in London is 35% more expensive than in Hong Kong. A global leader in digital innovation, Estonia was the first country that introduced crypto licensing. It’s designed for employees or directors who work for over 25 hours per week or over 75% of their working hours. Our goal is to contribute to the repair and maintenance of. EMI Manhattan was used to reissue back catalogue titles from Capitol Records and other EMI-owned labels such as United Artists Records and Liberty Records. As of June 2019, 49 companies had an Authorised (National) Payment Institution license, 59 companies were functioning as Small Payment Institutions, and 1300 companies had been accredited as Payment Service offices by the authority. The Main regulatory requirements for an EMI are as follows; A Minimum initial share capital requirement of €350,000, or a minimum in accordance with one the own funds calculations as laid down in article 5 of the Directive (methods A,B,C and D. Details of this transaction. Emi Martinez and John McGinn suffered minor injuries on international duty but are both expected to be fit. Non-bank institutions registered with the Bangko Sentral as a monetary transfer agent under Sec. Background information; Origin: Warsaw, Poland: Genres: Alternative rock, pop rock: Years active: 1991–1995 2001–2009 2011–present: Labels: MJM Music PL, Pomaton EMI, EMI Music Poland, Sony Music Entertainment Poland: Members: Robert Gawliński – lead vocals and rhythm guitar, Mikis Cupas – lead guitar, Hubert Gasiul – drums and. EMI can do all the things the Payment Institution can do and is also is allowed to provide IBAN accounts, payment cards and e-wallets. Obtaining an EMI license in Latvia is very popular. Schott. Our APIs enable you to build and scale end-to-end payments experiences, from instant onboarding to global payouts, and create new revenue streams—all while having Stripe handle payments KYC. Jack (Willem) de Nijs, artist name Jack Jersey (18 July 1941 – 26 May 1997), was a Dutch singer, composer, arranger, lyricist and record producer of light music (popular music) who worked for national and international artists. EMI license in Lithuania contact us for a price. 25-702, 14th floor, LT-09320 Vilnius, Lithuania. Poland; Portugal; Romania; San Marino; Serbia; Slovakia; Slovenia; Spain; Sweden; Switzerland; Turkey; Turks and Caicos Islands; Ukraine; United Kingdom; Search. (2022 Getty Images) Lionel Messi, Kylian Mbappe and Emiliano Martinez collected the big individual prizes at FIFA World Cup 2022 in Qatar. Main Fintech Licenses Crypto Licenses. Romania 2 EMIs registered moderately friendly environment. Nigel Kennedy (born 28 December 1956) is an English violinist and violist . For PI licenses the list looks as follows: Norway with increase of 6 licenses (1-7), the UK with increase of 4 licenses (48-52), Estonia (0-3) and Denmark (1-4) with increase. a sound or sign…. B2B payment solutions (1. Discover the Polish crypto-authorization (Polish crypto-license) 💼 Learn about the legal requirements and benefits of obtaining a crypto-license in Poland. What is a Electronic Money Institution in Poland [Polish MIP]? Who can register a Electronic Money Institution? What should be enclosed in the application for a Small. Obtaining an EMI license in Spain opens doors to a multitude of advantages for financial service providers. S. Lvivo str. licensinghelp@tsbde. PIT 17%, 19%, 32%, depending on the form of taxation and profit in the. Leif Ove Andsnes (Norwegian pronunciation: [læɪf ˈûːvə ˈɑ̂nsneːs]; born 7 April 1970) is a Norwegian pianist and chamber musician. License fees and regulatory registrations Initial fees paid to Visa ($5,000) and Mastercard ($5,000) MTLs required when payfac controls fund flows ($150,000/year for approximately 3 years to set up 50 states = $450,000 minimum) International licenses (e.