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degree in Polymer Chemistry from the University of Leuven in Belgium in respectively 1985 and 1989. She then joined Degussa in Antwerp to work in R&D on UV stabilizers. In beginning of 1991, she joined Texaco Chemical Co. / Huntsman to take on the responsible for technical support and application research of the Performance Products/Performance
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bank staff or director and in relation to the bank's business affairs, the bank is the principal. (c) Agent • An agent is a person acting for the principal. A bank's director or employee is an agent of the bank in carrying out the bank's business. (d) Advantage • An advantag e includes money, gift, discount, commissio n, loan, offer of
conditions for use of the Bank to Bank Transfer Service ("Service") offered through Bank Independent (the "Bank") to you, the user ("you," "your"). Except where modified by this Addendum, the Agreement remains in effect. Terms defined in the Agreement that are not defined in the Addendum have the same meaning in the Addendum.