The call is part of a three-point plan it wants to discuss in an "emergency summit" of social landlords.

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It was at this point that IBM vice-president Rick Thoman had a call with Bill Gates in an attempt to improve relations.

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For a bank, those channels could include automated teller machines (ATMs), bank teller terminals, Web pages, mobile apps, point-of-sale machines in retail, human-staffed call centers, and automated call systems.

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