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Health & Fitness::Hair Loss

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Review Of Disco Fever Slots

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NetEnt slots have a RTP (Return To Player) of 96%. So the slot Must pay you back otherwise the RTP is off. The engineers at flash casinos NetEnt can be extremely great set at a professionally developed slot game. They are all Mac compatible slot games for no download casinos that offer free slot. Utilize I am describing at a time large loses and paybacks is an high amplitude (oscillation) your past fluctuation of one’s online casino account.

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What Does It Mean If You Buy Organic Products?

You probably have heard about them, but are they really that much better?

The Organic Trade Association defines organic products as a farming system that not only maintains the soil but nurtures the soil without any added fertilizers or harmful pesticides which have been determined to be harmful to our ecosystem. These foods or products have been processed very little without any artificial ingredients or preservatives, which more and more people are looking for.

Americans are becoming more and more environmentally aware these days and you likely have noticed that organic products are becoming more popular everywhere you seem to go.

The term organic also includes other items other than foods or organic products, such as personal care products like shampoo, soap, toothpaste and more that are also available in organic form. There are also organic products such as cosmetics, organic mattresses and even organic pet products such as organic cat litter.

Although there are a few laws that govern the personal care ingredients within personal care products, most personal care products are exempt from strict guidelines, so you really need to check the labeling to see what the ingredients are before choosing something that may not be all that beneficial.

The USDA (United States Department of Agriculture) allows products that contain at least 95 percent organic ingredients to display the the organic label. Certainly, there are organic farms that exist here in Arizona, but one of the more popular organic farms is Shamrock Organic Farms. I don’t know about you, but I personally believe that it can be quite confusing when looking for organic products.

Here’s the USDA Definition of Organically Produced Organic Products Regulations and tips to help you decide if these products are right for you.

In order for products to be able to display the USDA Certified Organic seal, each product is required to contain 95 to 100 percent organic ingredients.

Products can be labeled 100 percent organic if they contain 100 percent of organic ingredients.

In order for an organic label to be displayed on a product, the item must contain at least 70 percent but less than 94 percent of organic ingredients to make the statement that organic ingredients make up the product. (These products cannot use the USDA Certified-Organic seal, however)

Stiff penalties as much as 10,000 dollars can result for any violators misusing these organic labels.

Farmers need to do their homework if they are to display an organic label. Farmers are required to document and prove that their products and farming operations actually comply with these USDA guidelines. In addition, farmers are required to submit their farming system plans along with their well documented records in order to remain compliant with the guidelines. Inspections are required on the farms and the farmers understand that they can have their goods inspected at any time.

There are many reasons why people believe in organic products and are probably the same or similar reasons that others in any other country or state believe that these products are truly better.

More and more Americans are in agreement that organic food and products made without pesticides and fertilizers are the best thing for the future. Many consumers and environmentalists firmly believe that going organic isn’t just about promoting better health. They also believe that organically grown food is good for the soil, the environment and certainly our children and others for many years to come.

Many people believe that eating organic foods is healthier because these products contain very little, if any, pesticides or chemicals that will harm you or your children.

Many people believe that choosing 100 percent organic products benefit consumers because these items do not contain any chemicals such as fertilizers or pesticides or any growth hormones and antibiotics.

Many people will agree that by supporting organically grown products, we are doing our part for a healthier environment for everyone. Organic crops do not require any fertilizers because of the fact that they are rotated, which in turns replenishes the essential nutrients needed for healthier and more nutritious fruits and vegetables.

To know whether you are really purchasing something that is said to be organic, look for the organic certification. If you do not know the difference between organic and sustainable, you are not alone. It can be very confusing trying to decide whether or not food without pesticides are better.

Just keep in mind that, organic farms must be independently certified every year and then approved by the USDA, to be officially identified as an organic farm.

Organic products may not be a priority to some people, but there is one thing that cannot be disagreed upon. Fertilizers are not used with these products which is always a benefit when it comes to pollutants that enter our rivers, lakes and streams.

What Does It Mean If You Buy Organic Products?

You probably have heard about them, but are they really that much better?

The Organic Trade Association defines organic products as a farming system that not only maintains the soil but nurtures the soil without any added fertilizers or harmful pesticides which have been determined to be harmful to our ecosystem. These foods or products have been processed very little without any artificial ingredients or preservatives, which more and more people are looking for.

Americans are becoming more and more environmentally aware these days and you likely have noticed that organic products are becoming more popular everywhere you seem to go.

The term organic also includes other items other than foods or organic products, such as personal care products like shampoo, soap, toothpaste and more that are also available in organic form. There are also organic products such as cosmetics, organic mattresses and even organic pet products such as organic cat litter.

Although there are a few laws that govern the personal care ingredients within personal care products, most personal care products are exempt from strict guidelines, so you really need to check the labeling to see what the ingredients are before choosing something that may not be all that beneficial.

The USDA (United States Department of Agriculture) allows products that contain at least 95 percent organic ingredients to display the the organic label. Certainly, there are organic farms that exist here in Arizona, but one of the more popular organic farms is Shamrock Organic Farms. I don’t know about you, but I personally believe that it can be quite confusing when looking for organic products.

Here’s the USDA Definition of Organically Produced Organic Products Regulations and tips to help you decide if these products are right for you.

In order for products to be able to display the USDA Certified Organic seal, each product is required to contain 95 to 100 percent organic ingredients.

Products can be labeled 100 percent organic if they contain 100 percent of organic ingredients.

In order for an organic label to be displayed on a product, the item must contain at least 70 percent but less than 94 percent of organic ingredients to make the statement that organic ingredients make up the product. (These products cannot use the USDA Certified-Organic seal, however)

Stiff penalties as much as 10,000 dollars can result for any violators misusing these organic labels.

Farmers need to do their homework if they are to display an organic label. Farmers are required to document and prove that their products and farming operations actually comply with these USDA guidelines. In addition, farmers are required to submit their farming system plans along with their well documented records in order to remain compliant with the guidelines. Inspections are required on the farms and the farmers understand that they can have their goods inspected at any time.

There are many reasons why people believe in organic products and are probably the same or similar reasons that others in any other country or state believe that these products are truly better.

More and more Americans are in agreement that organic food and products made without pesticides and fertilizers are the best thing for the future. Many consumers and environmentalists firmly believe that going organic isn’t just about promoting better health. They also believe that organically grown food is good for the soil, the environment and certainly our children and others for many years to come.

Many people believe that eating organic foods is healthier because these products contain very little, if any, pesticides or chemicals that will harm you or your children.

Many people believe that choosing 100 percent organic products benefit consumers because these items do not contain any chemicals such as fertilizers or pesticides or any growth hormones and antibiotics.

Many people will agree that by supporting organically grown products, we are doing our part for a healthier environment for everyone. Organic crops do not require any fertilizers because of the fact that they are rotated, which in turns replenishes the essential nutrients needed for healthier and more nutritious fruits and vegetables.

To know whether you are really purchasing something that is said to be organic, look for the organic certification. If you do not know the difference between organic and sustainable, you are not alone. It can be very confusing trying to decide whether or not food without pesticides are better.

Just keep in mind that, organic farms must be independently certified every year and then approved by the USDA, to be officially identified as an organic farm.

Organic products may not be a priority to some people, but there is one thing that cannot be disagreed upon. Fertilizers are not used with these products which is always a benefit when it comes to pollutants that enter our rivers, lakes and streams.

Sugar substitutes: great or harmful to diabetes? Did it assist you to lose weight?

set <strong>of<\/strong> cartoon objects on american food theme: fried potato, hot” style=”max-width:400px;float:left;padding:10px 10px 10px 0px;border:0px;”><u>Stroll round the supermarket</u> <span style=and it’s an easy task to obtain overwhelmed by medical claims on the countless brands and a large number of sugars substitutes. This is especially complicated for diabetics or people who have prediabetes who must control their blood sugar levels and weight.

Using the prevalence of diabetes and obesity, there’s a growing knowing of added sugars in canned food. Eating Guidelines for Us citizens recommends restricting added glucose to ten percent of calorie consumption consumed, or around 270 calorie consumption each day.S. The most recent edition from the U.

It is because “added sugar” adds sweetness or flavor, but little vitamins and minerals. Because of this pattern, the food sector has begun to consider or create a perfect replacement for glucose — exactly the same flavor, but without the of the calorie consumption that result in weight gain.

Being a pharmacist certified with the senior diabetes administration plank, Jamie Pitlick discussions with patients each day about blood sugar levels and methods to help them manage their diabetes. In a nutshell, the answer is not any. They often request me easily have found an ideal substitute for glucose. But the response is long.

Sugar alcohol

Sugar substitutes belong to two main classes: saccharols and high-strength sweeteners. High-intensity sweeteners consist of saccharin, aspartame, potassium acetylaminosulfonate (ace-k), sucralose, neophyte, saccharin, stevia and Siraitia grosvenorii Swingle fruits extract (SGFE). Glucose alcohols consist of sorbitol, xylitol, lactositol, mannitol, erythritol, and maltitol.

Sugar alcohols are generally within toothpaste, nicotine gum plus some “sugar-free” foods. Today do a comparison of the calorie count number to sucrose, which includes four calorie consumption per gram, doubly many as glucose alcohols.5 to 2 calories per gram. They have 1. But here’s finished .: they’re not really calorie-free. They’re 25-100% sweeter than sugars and taste related. They are sugars, that have a chemical substance structure much like sugars, but are also the different parts of alcohol.

Although sugar alcohols contain fewer calories, they are able to even now increase a patient’s blood sugar levels, particularly when consumed excessively. It is because these substances are processed in a different way in the torso. Compared with glucose, however, the result is much less dramatic. We measure it from the glycemic index.

The glycemic index may be the rate of which food poisoning treatment (modestry.com) is divided and absorbed. Because glucose alcohols are harder for your body to breakdown, a few of them can stay static in the gut, and when an individual ingests an excessive amount of, they are able to develop digestive complications like bloating, cramps and diarrhea. Which means that glucose alcohols are harder to break down, resulting in slower and more affordable postprandial blood sugar levels growth, that is better for diabetics. Sugars alcohols, such as for example xylitol, possess a glycemic index around 7. Sucrose includes a glycemic index of 65; The bigger the quantity, the faster meals breaks down as well as the faster glucose enters the blood stream.

Another disadvantage of sweet foods is the fact that they often have significantly more unwanted fat or salt to create up for the low sugar content.

Artificial sweetener

High-intensity sweeteners are no – or low-calorie glucose substitutes. They result from a number of sources and so are 100 to 20,000 occasions sweeter than sugars. Two newer alternatives — stevia and SGFE– result from plants, sometimes known as “organic” alternatives. Some keep a bitter or metallic flavor.

Based on the American diabetes association’s 2019 guidelines, the usage of high-intensity sweeteners may decrease calorie and carbohydrate intake. Nevertheless, you can’t replace these “free of charge” calorie consumption with calorie consumption from other meals resources because you’ll eliminate blood sugar levels control and also have trouble slimming down.

The researchers found this in a few studies of high-intensity sweeteners. However in various other studies, diet was better managed, and sufferers didn’t substitute the free calorie consumption with additional high-calorie foods, as well as the weight reduction was managed. Some trials demonstrated no difference, not the chance of putting on weight.

“Junk food”

All sugars substitutes are called food artificial additives and regulated with the U. A recently available trend would be to label some substitutes as “place” or “organic”. meals and medication administration.S. If found in excess, it could still cause unwanted effects such as for example bloating or diarrhea. It doesn’t indicate they’re safer or even more effective at managing blood sugar levels or slimming down.

Researchers are worried about the hyperlink between your high-intensity sweeteners saccharin and aspartame and malignancy. Up to now, the National Malignancy Institute has figured there is absolutely no apparent proof that any high-intensity sweetener is definitely associated with a greater risk of Malignancy.

Like a pharmacist focusing on advanced diabetes, Jamie Pitlick discussions with patients each day about how to regulate their blood sugar and diabetes. The second option two could be even more important over time. You can find three main methods to do that: medication, improved activity, and diet plan.

If diet plan and activity amounts never modification, it’s hard to greatly help sufferers lower their blood sugar levels. Sufferers may receive one medication after another. Therefore if patients could be persuaded to improve their diet plan, such as for example switching to sugary substitutes for beverages, it could make a siginificant difference in managing blood sugar levels and medication dosing. Then you can find the potential unwanted effects.

The entire focus of diabetes administration ought to be to reduce usage of sugary drinks and vegan fast food. But most of all, the meals and beverages consumed aren’t ready-made and consist of no added glucose. When you can replace among these sugary items using a high-strength glucose substitute, a lot the better.

Can let an individual live quite a while to lessen the incidence of cardiovascular disease what benefits will vegetarian diet even now have?

gingerbread house | <strong>the<\/strong> kitchen: food network” style=”max-width:400px;float:left;padding:10px 10px 10px 0px;border:0px;”>Eat vegetarian or intake in plant-based foods tend to be directly linked to a number of body health advantages, but just vegetarian probably much enough to create these health advantages, the grade of the meals intake can be important,  beneful dog food (<a href=http://Southbeachhotelgroup.net/__media__/js/netsoltrademark.php?d=demos.Gamer-Templates.de%2Fspecialtemps%2Fclansphere20114Sdemo01%2Findex.php%3Fmod%3Dusers%26action%3Dview%26id%3D3613051) dog burmese food (http://Southbeachhotelgroup.net/__media__/js/netsoltrademark.php?d=demos.Gamer-Templates.de%2Fspecialtemps%2Fclansphere20114Sdemo01%2Findex.php%3Fmod%3Dusers%26action%3Dview%26id%3D3613051) the annual conference from the American dietetic association in 2018, scientists have published their most recent research outcomes, illuminates the intake to plant-based foods on the fitness of your body, and eating quality affect how diet plan can affect the fitness of the body.

There is a lot of evidence a plant-based diet can decrease the threat of heart disease

Eating more flower protein and less pet protein is definitely directly connected with a lesser risk of cardiovascular system disease

Researchers from Erasmus school infirmary followed 6,000 Dutch people for a lot more than 13 years and discovered that those that ate more flower proteins (and less pet proteins) had a lesser risk of cardiovascular system disease.

Furthermore, the researchers discovered that eating more herb proteins and less animal proteins was also directly connected with lower degrees of plaque accumulation in your body’s arteries. Experts to study discovered that 4500 Brazilian adults in comparison to people even more animal proteins in the dietary plan, people even more plant-based proteins in the dietary plan will be the chance for 60% won’t show the chance of plaque within the center arteries (predicated on coronary artery calcium mineral rating), the indication is really a determination from the parameters from the plaque plaque build up, it is almost always used to judge the chance of cardiovascular system disease (CHD) to your body.

A vegetarian diet may decrease the risk elements for cardiovascular disease and diabetes

From George Washington university researchers have discovered that compared with exactly the same audience of meats, for south asians surviving in america, follow a vegetarian diet plan can help the low the amount of risk factors connected with cardiovascular disease and diabetes, including lower BMI, waistline size shrink, low degrees of belly fat, lower cholesterol amounts and lower blood sugar, etc.

Remember: the grade of a plant-based diet plan can also influence your health

Eating a wholesome, plant-based diet is frequently directly connected with lower degrees of weight gain

Researchers through the harvard college of public wellness for a lot more than 4 years time frame through the study analysis towards the modification of excess weight of 125000 adults discovered that after the consumption of top quality plant-based diet programs, such as wholegrains, fruits, vegetables and nut products, such as diet plan, often directly linked to the low level of putting on weight, and not a wholesome plant-based diet consumption, such as sugars, refined grains and People from france fries, is directly linked to putting on weight is more noticeable.

Consuming a high-quality plant-based diet plan is frequently directly connected with a lesser threat of death

A report of nearly 30,000 U. An increased element of a plant-based diet plan was connected with a thirty percent decrease in mortality, while top quality animal elements of the diet acquired little influence on mortality, as well as the beneficial ramifications of a top quality plant-based diet plan were especially pronounced in people who have chronic illnesses. adults by research workers at tufts college or university backs up earlier research evidence a high-quality diet plan makes us live much longer, therefore a high-quality plant-based diet plan in the dietary plan is paramount to maintaining an extended life.S.

Which diet will keep your heart healthful?

Diet isn’t just a four-letter term. But recently, wellness experts published fresh suggestions about diet using a different objective: to greatly help prevent cardiovascular disease and stroke. More often than not, diet means slimming down, often numerous restrictions and perhaps even less healthful plans.

Researcher Dr Amit Khera said: ‘we visit a lot of info online about diet plans, where everyone prices which foods are best for us, and when these diets might help with weight reduction, it probably doesn’t mean they will have a heart-healthy impact., these factors are risk elements for cardiovascular disease. Put forward from the American center association as well as the American university of cardiology stresses a new suggestions, healthy, nutritious diet plan on the low body cardiovascular disease and heart stroke risk plays an integral role, like the diet might help decrease or reverse your body against weight problems, raised chlesterol, diabetes and indonesian food – http://achamel.info – high blood circulation pressure, etc.

Particularly, the recommendations require a high intake of fruits, vegetables, beans, nuts, wholegrains and ethiopian food near me; rvescrow.com, baby food recipes near me; rvescrow.com, lean meat or animal protein (ideally fish), with plant-based and Mediterranean diets highlighted in the rules. This diet stocks many characteristics using the DASH diet plan or the hypertension control diet plan, that may help efficiently lower blood circulation pressure. The Mediterranean diet plan is not in fact a specific diet plan, nonetheless it reflects the most frequent eating habits of individuals in lots of countries bordering the Mediterranean.

The programs all emphasize fruits, vegetables, wholegrains, legumes and nuts, however the Mediterranean diet plan includes regular essential olive oil, low to moderate degrees of poultry and fish, and smaller amounts of red meat and milk products. “I frequently tell sufferers that be it the Mediterranean diet plan or the DASH diet plan, healthy diets tend to be comparable than different. While prior prevention guidelines limited diets and centered on lowering blood circulation pressure and cholesterol amounts, the updated suggestions offer a even more comprehensive method of assisting make heart-healthy options that decrease the general cardiovascular threat of the populace. The DASH diet plan allows visitors to get more proteins from low-fat dairy products, meat and chicken. Every one of the presentations avoided huge amounts of saturated and trans-fatty acids, stated researcher teacher Khera.

The brand new guidelines also recommend restricting the intake of processed meats, refined carbohydrates and everything sugar-sweetened beverages, that are directly from the threat of death, cardiovascular disease and stroke. Whenever a person manages to lose a significant quantity of fat, their diabetes enhances or even turns into regular, and their blood circulation pressure returns on track. Popular diet programs, including ketogenic types, often have a particular appeal because they often times produce dramatic outcomes, stated researcher Kim Williams. In a number of studies, researchers have got found that particular diet programs, including low-carb, high-fat/high-protein diet programs, which have been well-known lately are connected with premature loss of life in people.

‘Piper Was My Trojan Horse’

Gemalto NV GTOFF CEO Olivier Piou on Q1 2015 Results

Thank you for holding and welcome to Gemalto’s First Quarter 2015 Revenue Presentation. [Operator Instructions] I now hand it over to Mr. Olivier Piou. Please go ahead Mr. Piou.

Thank you, and thank you all for joining in such a larger number. I’m Olivier Piou, the CEO of Gemalto and with me today we have our CFO, Jacques Tierny and our IR team. I hope you have had the opportunity to look at the financial press release we published this morning and the presentation that we will use to comment our 2015 first quarter revenue figure.

So, as usual we shall start with some prepared remarks and after that we’ll take your question. So, if you have the presentation in front of you and you’ve read the information on page 2 and on page 3, let’s go straight to page 5 to the highlight of this quarter. So it was really a good first quarter when we leveraged the investments that we made in 2014. In this first quarter of 2015, Gemalto grew its revenue by plus 29% as the historical exchange rate and by plus 19% at constant exchange rate.

With a strong organic business growth and the addition of SafeNet and we reach a total revenue of EUR686 million. So the growth came from all main segments and all the activities and there was a particularly strong performance in machine to machine, which was up plus 25% at constant rate always, and in the payment business up plus 18%. The quarter was also marked by the completion of the SafeNet acquisition which, so we completed on January 5 and which has been very well received by our customers.

And finally, worth noting on the highlight of this quarter platform and services represented 27% of this quarter’s revenue which is to be compared with 19% last year. So if we move on to slide 6, you have here a snapshot of the key revenue figures of the quarter. So this quarter marks for the first time in our company history that the payment and identity segment surpassed the mobile segment, accounting for 54% of Gemalto’s revenue. So this reflects both the integration of SafeNet, but more importantly the tremendous growth of the payment and identity since the mobile revenue grew also very well this quarter.

And on the right hand side of the slide we’ve laid out the breakdown in the year on year revenue variation in the first quarter with currencies, since currency variations had such important effect in the quarter. So if you want to put it simply, our business growth outside of SafeNet and outside of currency related effects was plus 10%. SafeNet added 12 percentage points to our growth, direct currency variations added another 10 percentage points and the impact of the hedging program, which aims at smoothing this currency variation, reduced our revenue growth by minus 3%.

So when you are adding 10% plus 12 plus 10 minus 3, you get the plus 29%, which is reported growth at historical rate, and you have on this chart all the data to make the gross computation that interests you most. But overall, what is probably the most important number to remember is that Gemalto’s underlying growth, the growth rate this quarter was plus 10%. And I take the opportunity to congratulate our teams for this excellent performance.

So, all in all, we are on track and we remain focused on delivering on our 2017 objectives. And with this introduction let me hand it over now to Jacques who will comment more on the detail of each of the segment performance. Jacques?

Thank you, Olivier. Good afternoon ladies and gentlemen. I invite you to go to slide 8 where we will review further the impact of currency variations and hedging on Gemalto’s profit from operation margin. Picking up where Olivier left off, if we take the four contributors to revenue growth one after the other, starting from the bottom of the page, we have first the impact of the acquisition of SafeNet on the revenue figure that accounts for 12 percentage points out of 29% overall increase that is reported. As SafeNet currently operates at a very similar PFO margin as Gemalto the consolidation of this business has mostly neutral impact on the margin in the short term.

Second, the currency translation effect essentially coming from the dollar strengthening against the euro that explains another 10 percentage points out of 29%. dollar net exposure taken together the dilutive PFO margin. These effects are illustrated by the red bar on the right hand side.

Finally, the third element, the underlying plus 10% growth at constant rate, pro forma excluding hedge of plus 7% including the impact of hedge positive last year and negative in 2015. This growth is typically accretive to PFO margin, thanks to the traditional full flow of revenue growth on the bottom line. This is illustrated by the green bar on the top right. Overall, in a year when currencies fluctuate significantly and with the natural net exposure that is mostly hedged, revenue growth is the driver of PFO expansion and large currency variations and relative hedge effects offset PFO margin leverage.

Starting on slide 9 we will take a look at our main segment’s performance where my comments on revenue will be at constant exchange rates. Firstly, the payment and identity segment, the biggest segment now. The segment’s at EUR369, increasing by 35% compared to the previous year including the addition of SafeNet. Embedded software grew by 7% at EUR241 million and platforms and services sales more than doubled at EUR129 million including SafeNet revenue. Both of platforms and services for payments in identity was up 20% year on year on pro forma basis. The Americas posted the largest growth in the payment business with revenue more than doubling compare to previous year on strong sales of EMV payment cards and rapid expansion in issuance services in the United States. I remind you that SafeNet is not in this payment business.

Improvement in the Enterprise business comes both from the addition of SafeNet, which was acquired on January 7, 2015, and from the sustained market demand for cybersecurity solutions. Deployment of previously won government programs started confirming the improving dynamics of this business that we hope to see delivering faster for the rest of the year. And also finally during the first quarter we announced an agreement to acquire the secure document business of Trub, a Swiss provider of identification solutions for governments and banks with world wide expertise in security identity documents.

Please turn to slide 10 now for the key information on the Mobile segment. Please note that there is no impact of the acquisition of SafeNet in this segment. Revenue in this segment was EUR316 million, up 7%. Embedded software and products came in at EUR260 million, expanding by 8%. The Machine to Machine business in particular increased by 25% and this is due to the expanding global demand of connected devices and embedded secure elements for the Internet of Things.

The SIM business grew by 4%. Platforms and Services was stable at EUR57 million as Mobile Financial Services revenue decreased year on year due to the time necessary for finalizing the developments of new technologies such as TEE, HCE and Tokenization for the mobile contact list ecosystem.

Thank your very much ladies and gentlemen. I’ll now hand back to Olivier.

Thank you, Jacques. Let’s now move on to Slide 12. You have here the presentation of our Machine to Machine offering. This business was the hottest topic this quarter for us led in large part by the increasing software security and connectivity content that marks the automatic sector. As you know, cars are becoming increasingly connected, integrating more and more software and we help the actors of this industry address the challenges of easy on demand connectivity of efficient remote management and secure authentication.

Beyond automotive, connectivity and machine connectivity is developing fast in many other industrial sectors such as metering of fleet management, healthcare and the many others. And due to its great diversity we service market both directly and through channels. to develop multi country machine to machine connectivity solutions for industrial applications such as fleet management or the like.

Our offering is encompassing the key elements that are needed to reliably connect and protect the data produced by objects in all sorts of industrial environments. Firstly, we provide the wireless modules and the on demand connectivity services that offer an easy way for industries to connect their object to all stars converse portugal sorts of mobile networks in the world with flexibility and minimum impact on their logistical chain.

Secondly, with our core expertise and our IOT consulting teams, we help service providers to protect the data as the exchange between objects and service providers with our secure elements and secured application platforms. And as always, as soon as the deployment of such connected object exceeds the pilot phase and become significant, security matters and these security matters must be addressed carefully and our expertise here is clearly unrivalled in the field.

If we move on to slide 17, as per the tradition at this time of the year we’ve listed here for you what should be the key trends to look out for in the 2015. They are pretty much along the continuation of the ones that played a large part in the first quarter performance. So firstly we expect to see strong growth in payment as EMV continues to ramp up and we get a lot of commercial momentum. The rapid expansion in the Internet of Things including wireless modules, embedded secure elements [indiscernible] should also continue. Another trend that should play an important role this year will be the increase in demand for data protection and cybersecurity solutions, and on this form SafeNet acquisition was really very timely.

And we also expect the mobile business to continue to fluctuate while new technologies such as trusted execution environment of the Host Card Emulation, HCE and tokenization technology related to our product and to our platform activities being finalized and wholly deployed. And finally we expect to see also an acceleration of the growth in government program to return to a double digit revenue growth this year. So, converse rea five trends for you to monitor closely this year when you look at Gemalto.

On slide 14, we’ll conclude with our outlook for 2015 and beyond before moving on to your questions. So it’s unchanged and since it’s short, I will read it to you again. For 2015, Gemalto anticipate a steady expansion in annual profit from operations, towards it’s upgraded 2017 objective of over EUR660 million. So as you can see we’re confident in our future and we look forward to once again moving ahead on our profitable growth ambitions for the year towards the long term objective of our developments plan. That’s it for today. We promised it would be short, Matilda, could you please the explain the procedure for taking question please.

Yes, hello Olivier, hello Jac, hello the IR team. Actually I have got a little bit more than two questions, but I will limit myself, I’ll try. First question is about machine to machine. I’d like just to understand what has happened during the quarter, you grow 25%. It’s been the promise for a very long time, so what has changed? Can you just highlight a few applications, a few contract, if it has something to see with the IoT where is it really starting? And if you could give some insights of what is it exactly, are we talking more about hardware or platform or both? So if you could give us some information. And the second question is about payments. Well, it looks like EMV migration is really kicking in, so if you could give us some figures about the volumes delivered during the quarter and maybe update us on the volumes for the full year and the market share you target? Thank you very much.

Thank you, Stephane. So, machine to machine, it’s quite simple. We won many long term contracts one or two years ago. And as we told you this takes a little time. These are industrial applications and when you speak out, for example, you win the contract and then the cars need to be produced; and imagine produced and deployed, so it takes a little, you have to delay in the ramp up. So automobile is an important point. I tried to leave them in my presentation, but automobile is an important point. Home surveillance, for example is an important point. You are happy to have a camera in your home, which is connected wirelessly because it avoids you to have wires and to drill holes, but it doesn’t function by magic, and if you want to be connected, even if somebody comes in and jumps off your box, you need a wireless connectivity.

So you have a lot of applications like this that were essentially in their infancy and which start to really become very material. Now, it’s a very good start for the year, it is a fast track, it is going to certainly be a double digit growth for the year as we mentioned last year you asked me what should we anticipate, I told you double digit, but I don’t know exactly what you will still have some wiggling quarter on quarter, but what’s interesting is we are serving mostly the industrial applications and those start to be really built in.

When you have a connected car not only it needs connectivity for the car itself but it needs also connectivity for the car itself but it needs also connectivity for the entertainment system for the driver and there should not be too much connected to avoid having viruses attacking your ABS brakes or things like that. But you also have more and more the car communicating with other cars and with infrastructure, and of course you need to protect those data because if the car receives or sends wrong information to the other you will be in trouble.

You have your children sitting in the back of this car and you want every car manufacturer want to be certain that what they produce will be safe. So it’s one of those type of applications where simply digitalization of the environment leads to more security, more trust to be propagated and where it’s not simply a hardware question, it’s really a question of security and certification. You were saying about payment card. I have not changed that much payment card forecast for the year. What’s clear is that we are far from being saturated in terms of market.

There is demand a lot of demand. I don’t have data for the first quarter in term of market share because they are simply not yet available. We continue to expect double digit growth and what’s clear is that we have a very good commercial momentum. Customers are happy and it’s a relatively small group of key customers and they pass the good word about our performance.

‘Piper Was My Trojan Horse’

Gemalto NV GTOFF CEO Olivier Piou on Q1 2015 Results

Thank you for holding and welcome to Gemalto’s First Quarter 2015 Revenue Presentation. [Operator Instructions] I now hand it over to Mr. Olivier Piou. Please go ahead Mr. Piou.

Thank you, and thank you all for joining in such a larger number. I’m Olivier Piou, the CEO of Gemalto and with me today we have our CFO, Jacques Tierny and our IR team. I hope you have had the opportunity to look at the financial press release we published this morning and the presentation that we will use to comment our 2015 first quarter revenue figure.

So, as usual we shall start with some prepared remarks and after that we’ll take your question. So, if you have the presentation in front of you and you’ve read the information on page 2 and on page 3, let’s go straight to page 5 to the highlight of this quarter. So it was really a good first quarter when we leveraged the investments that we made in 2014. In this first quarter of 2015, Gemalto grew its revenue by plus 29% as the historical exchange rate and by plus 19% at constant exchange rate.

With a strong organic business growth and the addition of SafeNet and we reach a total revenue of EUR686 million. So the growth came from all main segments and all the activities and there was a particularly strong performance in machine to machine, which was up plus 25% at constant rate always, and in the payment business up plus 18%. The quarter was also marked by the completion of the SafeNet acquisition which, so we completed on January 5 and which has been very well received by our customers.

And finally, worth noting on the highlight of this quarter platform and services represented 27% of this quarter’s revenue which is to be compared with 19% last year. So if we move on to slide 6, you have here a snapshot of the key revenue figures of the quarter. So this quarter marks for the first time in our company history that the payment and identity segment surpassed the mobile segment, accounting for 54% of Gemalto’s revenue. So this reflects both the integration of SafeNet, but more importantly the tremendous growth of the payment and identity since the mobile revenue grew also very well this quarter.

And on the right hand side of the slide we’ve laid out the breakdown in the year on year revenue variation in the first quarter with currencies, since currency variations had such important effect in the quarter. So if you want to put it simply, our business growth outside of SafeNet and outside of currency related effects was plus 10%. SafeNet added 12 percentage points to our growth, direct currency variations added another 10 percentage points and the impact of the hedging program, which aims at smoothing this currency variation, reduced our revenue growth by minus 3%.

So when you are adding 10% plus 12 plus 10 minus 3, you get the plus 29%, which is reported growth at historical rate, and you have on this chart all the data to make the gross computation that interests you most. But overall, what is probably the most important number to remember is that Gemalto’s underlying growth, the growth rate this quarter was plus 10%. And I take the opportunity to congratulate our teams for this excellent performance.

So, all in all, we are on track and we remain focused on delivering on our 2017 objectives. And with this introduction let me hand it over now to Jacques who will comment more on the detail of each of the segment performance. Jacques?

Thank you, Olivier. Good afternoon ladies and gentlemen. I invite you to go to slide 8 where we will review further the impact of currency variations and hedging on Gemalto’s profit from operation margin. Picking up where Olivier left off, if we take the four contributors to revenue growth one after the other, starting from the bottom of the page, we have first the impact of the acquisition of SafeNet on the revenue figure that accounts for 12 percentage points out of 29% overall increase that is reported. As SafeNet currently operates at a very similar PFO margin as Gemalto the consolidation of this business has mostly neutral impact on the margin in the short term.

Second, the currency translation effect essentially coming from the dollar strengthening against the euro that explains another 10 percentage points out of 29%. dollar net exposure taken together the dilutive PFO margin. These effects are illustrated by the red bar on the right hand side.

Finally, the third element, the underlying plus 10% growth at constant rate, pro forma excluding hedge of plus 7% including the impact of hedge positive last year and negative in 2015. This growth is typically accretive to PFO margin, thanks to the traditional full flow of revenue growth on the bottom line. This is illustrated by the green bar on the top right. Overall, in a year when currencies fluctuate significantly and with the natural net exposure that is mostly hedged, revenue growth is the driver of PFO expansion and large currency variations and relative hedge effects offset PFO margin leverage.

Starting on slide 9 we will take a look at our main segment’s performance where my comments on revenue will be at constant exchange rates. Firstly, the payment and identity segment, the biggest segment now. The segment’s at EUR369, increasing by 35% compared to the previous year including the addition of SafeNet. Embedded software grew by 7% at EUR241 million and platforms and services sales more than doubled at EUR129 million including SafeNet revenue. Both of platforms and services for payments in identity was up 20% year on year on pro forma basis. The Americas posted the largest growth in the payment business with revenue more than doubling compare to previous year on strong sales of EMV payment cards and rapid expansion in issuance services in the United States. I remind you that SafeNet is not in this payment business.

Improvement in the Enterprise business comes both from the addition of SafeNet, which was acquired on January 7, 2015, and from the sustained market demand for cybersecurity solutions. Deployment of previously won government programs started confirming the improving dynamics of this business that we hope to see delivering faster for the rest of the year. And also finally during the first quarter we announced an agreement to acquire the secure document business of Trub, a Swiss provider of identification solutions for governments and banks with world wide expertise in security identity documents.

Please turn to slide 10 now for the key information on the Mobile segment. Please note that there is no impact of the acquisition of SafeNet in this segment. Revenue in this segment was EUR316 million, up 7%. Embedded software and products came in at EUR260 million, expanding by 8%. The Machine to Machine business in particular increased by 25% and this is due to the expanding global demand of connected devices and embedded secure elements for the Internet of Things.

The SIM business grew by 4%. Platforms and Services was stable at EUR57 million as Mobile Financial Services revenue decreased year on year due to the time necessary for finalizing the developments of new technologies such as TEE, HCE and Tokenization for the mobile contact list ecosystem.

Thank your very much ladies and gentlemen. I’ll now hand back to Olivier.

Thank you, Jacques. Let’s now move on to Slide 12. You have here the presentation of our Machine to Machine offering. This business was the hottest topic this quarter for us led in large part by the increasing software security and connectivity content that marks the automatic sector. As you know, cars are becoming increasingly connected, integrating more and more software and we help the actors of this industry address the challenges of easy on demand connectivity of efficient remote management and secure authentication.

Beyond automotive, connectivity and machine connectivity is developing fast in many other industrial sectors such as metering of fleet management, healthcare and the many others. And due to its great diversity we service market both directly and through channels. to develop multi country machine to machine connectivity solutions for industrial applications such as fleet management or the like.

Our offering is encompassing the key elements that are needed to reliably connect and protect the data produced by objects in all sorts of industrial environments. Firstly, we provide the wireless modules and the on demand connectivity services that offer an easy way for industries to connect their object to all stars converse portugal sorts of mobile networks in the world with flexibility and minimum impact on their logistical chain.

Secondly, with our core expertise and our IOT consulting teams, we help service providers to protect the data as the exchange between objects and service providers with our secure elements and secured application platforms. And as always, as soon as the deployment of such connected object exceeds the pilot phase and become significant, security matters and these security matters must be addressed carefully and our expertise here is clearly unrivalled in the field.

If we move on to slide 17, as per the tradition at this time of the year we’ve listed here for you what should be the key trends to look out for in the 2015. They are pretty much along the continuation of the ones that played a large part in the first quarter performance. So firstly we expect to see strong growth in payment as EMV continues to ramp up and we get a lot of commercial momentum. The rapid expansion in the Internet of Things including wireless modules, embedded secure elements [indiscernible] should also continue. Another trend that should play an important role this year will be the increase in demand for data protection and cybersecurity solutions, and on this form SafeNet acquisition was really very timely.

And we also expect the mobile business to continue to fluctuate while new technologies such as trusted execution environment of the Host Card Emulation, HCE and tokenization technology related to our product and to our platform activities being finalized and wholly deployed. And finally we expect to see also an acceleration of the growth in government program to return to a double digit revenue growth this year. So, converse rea five trends for you to monitor closely this year when you look at Gemalto.

On slide 14, we’ll conclude with our outlook for 2015 and beyond before moving on to your questions. So it’s unchanged and since it’s short, I will read it to you again. For 2015, Gemalto anticipate a steady expansion in annual profit from operations, towards it’s upgraded 2017 objective of over EUR660 million. So as you can see we’re confident in our future and we look forward to once again moving ahead on our profitable growth ambitions for the year towards the long term objective of our developments plan. That’s it for today. We promised it would be short, Matilda, could you please the explain the procedure for taking question please.

Yes, hello Olivier, hello Jac, hello the IR team. Actually I have got a little bit more than two questions, but I will limit myself, I’ll try. First question is about machine to machine. I’d like just to understand what has happened during the quarter, you grow 25%. It’s been the promise for a very long time, so what has changed? Can you just highlight a few applications, a few contract, if it has something to see with the IoT where is it really starting? And if you could give some insights of what is it exactly, are we talking more about hardware or platform or both? So if you could give us some information. And the second question is about payments. Well, it looks like EMV migration is really kicking in, so if you could give us some figures about the volumes delivered during the quarter and maybe update us on the volumes for the full year and the market share you target? Thank you very much.

Thank you, Stephane. So, machine to machine, it’s quite simple. We won many long term contracts one or two years ago. And as we told you this takes a little time. These are industrial applications and when you speak out, for example, you win the contract and then the cars need to be produced; and imagine produced and deployed, so it takes a little, you have to delay in the ramp up. So automobile is an important point. I tried to leave them in my presentation, but automobile is an important point. Home surveillance, for example is an important point. You are happy to have a camera in your home, which is connected wirelessly because it avoids you to have wires and to drill holes, but it doesn’t function by magic, and if you want to be connected, even if somebody comes in and jumps off your box, you need a wireless connectivity.

So you have a lot of applications like this that were essentially in their infancy and which start to really become very material. Now, it’s a very good start for the year, it is a fast track, it is going to certainly be a double digit growth for the year as we mentioned last year you asked me what should we anticipate, I told you double digit, but I don’t know exactly what you will still have some wiggling quarter on quarter, but what’s interesting is we are serving mostly the industrial applications and those start to be really built in.

When you have a connected car not only it needs connectivity for the car itself but it needs also connectivity for the car itself but it needs also connectivity for the entertainment system for the driver and there should not be too much connected to avoid having viruses attacking your ABS brakes or things like that. But you also have more and more the car communicating with other cars and with infrastructure, and of course you need to protect those data because if the car receives or sends wrong information to the other you will be in trouble.

You have your children sitting in the back of this car and you want every car manufacturer want to be certain that what they produce will be safe. So it’s one of those type of applications where simply digitalization of the environment leads to more security, more trust to be propagated and where it’s not simply a hardware question, it’s really a question of security and certification. You were saying about payment card. I have not changed that much payment card forecast for the year. What’s clear is that we are far from being saturated in terms of market.

There is demand a lot of demand. I don’t have data for the first quarter in term of market share because they are simply not yet available. We continue to expect double digit growth and what’s clear is that we have a very good commercial momentum. Customers are happy and it’s a relatively small group of key customers and they pass the good word about our performance.

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