NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts

Size: px
Start display at page:

Download "NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts"

Transcription

1 NAIC Replacement Requirements Fr Certain Life Insurance Plicies And Annuity Cntracts Duties f Prducers If a transactin invlves a replacement, the prducer must leave with the applicant, at the time an applicatin fr a new plicy r cntract is cmpleted, the riginal r a cpy f all sales material. Electrnically presented sales material must be prvided t the plicy r cntract wner in printed frm nt later than the date that the plicy r cntract is delivered. If a transactin invlves a replacement, the prducer must submit the fllwing dcuments t the insurer t which an applicatin fr a plicy r cntract is presented: a cpy f each required dcument; a statement identifying any preprinted r electrnically presented insurer-apprved sales materials used; and cpies f any individualized sales materials, including any illustratins related t the specific plicy r cntract purchased. Illustratin means a presentatin r depictin that includes nnguaranteed elements f a life insurance plicy ver a perid f years. Let s Summarize A prducer must: submit, with the applicatin t the insurer, a statement signed by the prducer and the applicant that indicates the applicant has existing plicies r cntracts; read alud t the applicant, when the applicatin is taken, a ntice regarding replacements, which must be signed by the prducer and the applicant, and the prducer must leave the signed ntice with the applicant; leave, at the time the applicatin r cntract is cmpleted, the riginal r a cpy f all sales material used with the applicant; and submit t the insurer a cpy f the signed ntice regarding replacements and the statement regarding existing plicies r cntracts, a statement that identifies any insurer-apprved sales material used, and cpies f any individualized sales materials, including illustratins. Duties f Insurers that Use Prducers Each insurer must maintain a system f supervisin and cntrl t ensure cmpliance with applicable requirements. Under the system, the insurer must, at a minimum: infrm its prducers f the requirements and incrprate these requirements int all relevant prducer training manuals; give each prducer a written statement f the insurer s psitin with respect t the acceptability f replacements and prvide each prducer with guidance n the apprpriateness f these transactins; review the apprpriateness f each replacement transactin and implement prcedures t cnfirm that the requirements have been met;

2 implement prcedures t cnfirm that requirements f this regulatin have been met; and implement prcedures t detect transactins that are replacements f existing plicies r cntracts by the existing insurer, but that have nt been reprted as such by the applicant r prducer; such prcedures may include, but are nt limited t, systematic custmer surveys, interviews, cnfirmatin letters, r prgrams f internal mnitring. Each insurer must have the capacity t mnitr each prducer s life insurance plicy and annuity cntract replacements. The insurer must maintain recrds regarding the mnitring and must prduce and make the recrds available t the state s department f insurance n request. The capacity t mnitr must include the ability t prduce recrds fr: each prducer s life insurance replacements, including financed purchases, as a percentage f the prducer s ttal annual life insurance sales (financed purchase means the purchase f a new plicy that invlves the actual r intended use f funds t pay all r part f any premium due n the new plicy btained by the withdrawal r surrender f an existing plicy r brrwing frm values f an existing plicy); the number f lapses f plicies by the prducer as a percentage f the prducer s ttal annual life insurance sales; each prducer s annuity cntract replacements as a percentage f the prducer s ttal annual annuity cntract sales; the number f transactins that are unreprted replacements f existing plicies r cntracts by the existing insurer detected by the insurer s mnitring system; and replacements indexed by replacing prducer and existing insurer. Each insurer must require, with r as a part f each applicatin fr life insurance r an annuity, a signed statement by bth the applicant and the prducer as t whether the applicant has existing plicies r cntracts. Each insurer must require, with each applicatin fr life insurance r an annuity that indicates an existing plicy r cntract, a cmpleted ntice regarding replacements. If the applicant has existing plicies r cntracts, each insurer must be able t prduce, fr at least five years after the date f terminatin r expiratin f the prpsed plicy r cntract, cpies f any required sales material, the basic illustratin and any supplemental illustratins related t the specific plicy r cntract that is purchased, and the prducer s and applicant s signed statements with respect t financing and replacement. The insurer must ascertain that the required sales material and illustratins meet the applicable requirements and are cmplete and accurate fr the prpsed plicy r cntract. If an applicatin des nt meet all applicable requirements, the insurer must ntify the prducer and applicant and fulfill the utstanding requirements. The insurer must maintain required recrds in paper, phtgraphic, micrprcess, magnetic, mechanical, r electrnic media r by any prcess that accurately reprduces the actual dcument.

3 Let s Summarize Insurers that use prducers must: maintain a system f supervisin and cntrl t ensure cmpliance with requirements, including infrming prducers f all requirements and incrprating these requirements int all relevant prducer training manuals, giving each prducer a written statement f the insurer's psitin with respect t the acceptability f replacements and prviding each prducer with guidance n the apprpriateness f these transactins, reviewing the apprpriateness f each replacement transactin and implementing prcedures t cnfirm that the requirements have been met, and implementing prcedures t detect transactins that are replacements f existing plicies r cntracts by the existing insurer but that have nt been reprted as such by the applicant r prducer; mnitr and maintain recrds f all prducer replacements; require prducers t submit with any applicatin fr life insurance r annuity a statement, signed by the prducer and the applicant, that indicates whether r nt the applicant has existing plicies r cntracts; require a cmpleted ntice regarding replacements with each applicatin fr life insurance r an annuity that indicates an existing plicy r cntract; be able t prduce, fr each applicant that has existing plicies r cntracts, fr at least five years after the date f terminatin r expiratin f the prpsed plicy r cntract, cpies f any required sales material, the basic illustratin and any supplemental illustratins related t the specific plicy r cntract that is purchased, and the prducer s and applicant s signed statements with respect t financing and replacement; ascertain that the required sales material and illustratins meet the applicable requirements and are cmplete and accurate fr the prpsed plicy r cntract; and ntify the prducer and the applicant t fulfill utstanding requirements when an applicatin des nt meet requirements. Duties f Replacing Insurers that Use Prducers Definitin f Replacing Insurer Replacing insurer means the insurer that issues r prpses t issue a new plicy r cntract that: replaces an existing plicy r cntract; r is a financed purchase. The replacing insurer must verify that the required frms are received and are in cmpliance with applicable requirements. The replacing insurer must: ntify any existing insurer that may be affected by the prpsed replacement nt later than the fifth business day after the date f receipt f a cmpleted applicatin indicating replacement, r the date that replacement is identified, if it is nt indicated n the applicatin; and

4 mail a cpy f the available illustratin r plicy summary fr the prpsed plicy r available disclsure dcument fr the prpsed cntract t the existing insurer nt later than the fifth business day after the date f a request frm the existing insurer. The replacing insurer must be able t prduce cpies f the ntificatin regarding replacement, indexed by prducer, until the later f: the fifth anniversary f the date f the ntificatin; r the date f the replacing insurer's next regular examinatin by the insurance regulatry authrity f the insurer's state f dmicile. The replacing insurer must prvide, t the plicy r cntract wner, ntice f the wner's right t return the plicy r cntract within 30 days f the delivery f the plicy r cntract and t receive an uncnditinal full refund f all premiums r cnsideratins paid n the plicy r cntract, including any plicy fees r charges r, in the case f a variable r market value adjustment plicy r cntract, a payment f the cash surrender value prvided under the plicy r cntract plus the fees and ther charges deducted frm the grss premiums r cnsideratins r impsed under the plicy r cntract. In transactins in which the replacing insurer and the existing insurer are the same subsidiaries r affiliates under cmmn wnership r cntrl, the replacing insurer must allw credit fr the perid that has elapsed under the replaced plicy s r cntract s incntestability and suicide perid up t the face amunt f the existing plicy r cntract. With regard t financed purchases, the credit may be limited t the amunt that the face amunt f the existing plicy is reduced by the use f existing plicy values t fund the new plicy r cntract. Financed purchase means the purchase f a new plicy that invlves the actual r intended use f funds t pay all r part f any premium due n the new plicy btained by: the withdrawal r surrender f an existing plicy; r brrwing frm values f an existing plicy. If an insurer prhibits the use f sales material ther than that apprved by the insurer, then the insurer must: require with each applicatin a statement signed by the prducer stating that the prducer used nly insurer-apprved sales material, and cpies f all sales material were left with the applicant; cntact the applicant nt later than the 10th day after the date f issuance f the plicy r cntract and, within this timeframe: ntify the applicant by sending a letter r by verbal cmmunicatin with the applicant by a persn whse duties are separate frm the marketing area f the insurer that the prducer has represented that cpies f all sales material have been left with the applicant, prvide the applicant with a tll-free telephne number t cntact the insurer s persnnel invlved in the cmpliance functin if cpies f all sales material have nt been left with the applicant, and stress the imprtance f retaining cpies f the sales material fr future reference; and be able t prduce a cpy f the letter r ther verificatin in the plicy file until the fifth anniversary f the date f terminatin r expiratin f the plicy r cntract.

5 Let s Summarize A replacing insurer that uses prducers must: verify that required frms are received and are in cmpliance with applicable requirements; ntify any existing insurer that may be affected by the prpsed replacement when required; mail a cpy f the available illustratin, plicy summary, r available disclsure dcument t the existing insurer nt later than the fifth business day after the date f a request frm the existing insurer; prduce cpies f the ntificatin regarding replacement, indexed by prducer, until the later f the fifth anniversary f the date f the ntificatin r the date f the replacing insurer s next regular examinatin by the insurance regulatry authrity f the insurer s state f dmicile; prvide t the plicy r cntract wner ntice f the wner s right t return the plicy r cntract within 30 days f the delivery f the plicy r cntract and t receive an uncnditinal full refund f all premiums r cnsideratins paid n the plicy r cntract; allw, in transactins in which the replacing insurer and the existing insurer are the same subsidiaries r affiliates under cmmn wnership r cntrl, credit fr the perid that has elapsed under the replaced plicy s r cntract s incntestability and suicide perid up t the face amunt f the existing plicy r cntract; require, if an insurer prhibits the use f sales material ther than that apprved by the insurer, with each applicatin, a statement signed by the prducer that states that the prducer used nly insurer-apprved sales material and als states that cpies f all sales material were left with the applicant; nt later than the 10th day after the date f issuance f the plicy r cntract; discuss the fllwing with the applicant nt later than the 10th day after the date f issuance f the plicy r cntract if the insurer prhibits the use f sales material ther than that apprved by the insurer: ntify the applicant that the prducer has represented that cpies f all sales material have been left with the applicant, prvide the applicant with a tll-free telephne number t cntact the insurer s persnnel invlved in the cmpliance functin if cpies f all sales material have nt been left with the applicant, and stress the imprtance f retaining cpies f the sales material fr future reference; and be able t prduce a cpy f the letter r ther verificatin in the plicy file until the fifth anniversary f the date f terminatin r expiratin f the plicy r cntract. Duties f Existing Insurer The existing insurer must retain and be able t prduce all replacement ntificatins received, indexed by the replacing insurer, until the later f: the fifth anniversary f the date f receipt f the ntificatin; r the date f cnclusin f the next regular examinatin cnducted by the insurance regulatry authrity f the existing insurer's state f dmicile.

6 The existing insurer must send a letter t the plicy r cntract wner regarding the wner's right t receive infrmatin regarding the existing plicy r cntract values. The letter must include, if available, an in-frce illustratin r, if an in-frce illustratin cannt be prduced n later than the fifth business day after the date f receipt f a ntice that an existing plicy r cntract is being replaced, a plicy summary. The infrmatin must be prvided n later than the fifth business day after the date f receipt f the request frm the plicy r cntract wner. Upn receipt f a request t brrw, surrender, r withdraw any plicy values, the existing insurer must send a ntice advising the plicywner that the release f plicy values may affect the guaranteed elements, nnguaranteed elements, face amunt, r surrender value f the plicy frm which the values are released. The ntice must be sent separately frm the payment if the payment is sent t any persn ther than the plicywner. In the case f cnsecutive autmatic premium lans, the insurer is nly required t send the ntice at the time f the first lan. Let s Summarize The existing insurer must: retain and be able t prduce all replacement ntificatins received, indexed by the replacing insurer, until the later f the fifth anniversary f the date f receipt f the ntificatin r the date f cnclusin f the next regular examinatin cnducted by the insurance regulatry authrity f the existing insurer s state f dmicile; send a letter t the plicy r cntract wner regarding the wner s right t receive infrmatin regarding the existing plicy r cntract values; the required infrmatin must be prvided n later than the fifth business day after the date f receipt f the request frm the plicy r cntract wner; and send, upn receipt f a request t brrw, surrender, r withdraw any plicy values, a ntice advising the plicywner that the release f plicy values may affect the guaranteed elements, nnguaranteed elements, face amunt, r surrender value f the plicy frm which the values are released. Duties f Insurers Regarding Direct Respnse Slicitatins When an applicatin is initiated as a result f a direct respnse slicitatin, the insurer must require submissin f a statement asking whether the applicant, by applying fr the prpsed plicy r cntract, intends t replace, discntinue, r change an existing plicy r cntract. The statement may be included with r submitted as part f each cmpleted applicatin fr a plicy r cntract. If the applicant indicates a replacement r change is nt intended r if the applicant fails t respnd t the statement, the insurer must send the applicant, with the plicy r cntract, a ntice, in a frm adpted r apprved by the state s Cmmissiner, regarding replacement. If the insurer has prpsed the replacement r if the applicant indicates a replacement is intended and the insurer cntinues with the replacement, the insurer must: prvide t the applicant r prspective applicant, with the plicy r cntract, a ntice apprved by the Cmmissiner; and cmply with all applicable requirements.

7 When the insurer has prpsed the replacement r when the applicant indicates a replacement is intended and the insurer cntinues with the replacement, the insurer must prvide t the applicant r prspective applicant, with the plicy r cntract, a ntice adpted r apprved by the Cmmissiner. In this situatin, the insurer may use a ntice that deletes references t the prducer, including the prducer's signature, and references nt applicable t the prduct being sld r replaced withut having t btain prir apprval f the ntice frm the Cmmissiner. The insurer's bligatin t btain the applicant's signature is satisfied if the insurer can demnstrate that the insurer has made a diligent effrt t secure a signed cpy f the ntice. The requirement t make a diligent effrt is deemed satisfied if the insurer includes in the mailing a self-addressed, prepaid pstage envelpe with instructins fr the return f the signed ntice. Let s Summarize The insurer must: require, when an applicatin is initiated as a result f a direct respnse slicitatin, submissin f a statement asking whether the applicant, by applying fr the prpsed plicy r cntract, intends t replace, discntinue, r change an existing plicy r cntract. If the applicant indicates a replacement r change is nt intended r if the applicant fails t respnd t the statement, the insurer must send the applicant, with the plicy r cntract, a ntice, in a frm adpted r apprved by the Cmmissiner, regarding replacement; prvide, if the insurer has prpsed the replacement r if the applicant indicates a replacement is intended and the insurer cntinues with the replacement, t the applicant r prspective applicant, with the plicy r cntract, a ntice adpted r apprved by the Cmmissiner and cmply with all applicable requirements; and prvide, when the insurer has prpsed the replacement r when the applicant indicates a replacement is intended and the insurer cntinues with the replacement, t the applicant r prspective applicant, with the plicy r cntract, a ntice adpted r apprved by the Cmmissiner. The insurer s bligatin t btain the applicant's signature is satisfied if the insurer can demnstrate that the insurer has made a diligent effrt t secure a signed cpy f the ntice. Unfair Methd f Cmpetitin Sanctins and Penalties A failure by an insurer r prducer t cmply with these requirements cnstitutes a vilatin and is subject t sanctins and penalties. Fr purpses f this sectin, examples f vilatins include: deceptive r misleading infrmatin set frth in any sales material; failing t ask the applicant in cmpleting the applicatin the pertinent questins regarding the pssibility f financing r replacement; intentinally recrding an answer incrrectly; advising an applicant t respnd negatively t any questin regarding replacement in rder t prevent ntice t the existing insurer; r advising a plicy r cntract wner t cntact the insurer directly in such a way as t attempt t bscure the identity f the replacing prducer r insurer. A plicy r cntract wner has the right t replace an existing life insurance plicy r annuity cntract after indicating in, r as a part f, applicatins fr new cverage that replacement is nt the intentin. Hwever, patterns f that actin by plicy r cntract wners f the same prducer are deemed prima facie evidence f the prducer s knwledge that replacement was intended in cnnectin with the

8 identified transactins, and thse patterns f actin are cnsidered prima facie evidence f the prducer s intent t vilate these requirements. If it is determined that these requirements have nt been met, the replacing insurer must prvide t the plicywner: an in-frce illustratin, r if an in-frce illustratin is nt available, a plicy summary fr the replacement plicy r an available disclsure dcument fr the replacement cntract; and the apprpriate ntice regarding replacements. Additinal Sanctins In additin t previus sanctins and penalties, an insurer r prducer that vilates these requirements is subject t additinal sanctins, which may include: the revcatin r suspensin f the prducer s license r the insurer's certificate f authrity; mnetary fines; and frfeiture f any cmmissins r ther cmpensatin paid t a prducer as a result f the transactin in cnnectin with which the vilatins ccurred. In additin, if the Cmmissiner has determined that the vilatins f these requirements were material t the sale, the insurer may be required t: make restitutin in the required manner; restre plicy r cntract values; and pay interest n the amunt refunded in cash.

Investment Adviser Switch Workshop

Investment Adviser Switch Workshop Investment Adviser Switch Wrkshp Investment Adviser Registratin, Renewal, Amendment And Pst-Registratin Requirements Presented by Office f the Attrney General Maryland Divisin f Securities 1 Registratin

More information

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS

FORM ADV (Paper Version) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS APPENDIX A FORM ADV (Paper Versin) UNIFORM APPLICATION FOR INVESTMENT ADVISER REGISTRATION AND REPORT FORM BY EXEMPT REPORTING ADVISERS Frm ADV: General Instructins Read these instructins carefully befre

More information

This regulation is adopted by the director pursuant to the authority in Neb. Rev. Stat. 44-1114.

This regulation is adopted by the director pursuant to the authority in Neb. Rev. Stat. 44-1114. Title 210 NEBRASKA DEPARTMENT OF INSURANCE Chapter 76 VIATICAL SETTLEMENTS 001. Authrity This regulatin is adpted by the directr pursuant t the authrity in Neb. Rev. Stat. 44-1114. 002. Definitins In additin

More information

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine

NYU Langone Medical Center NYU Hospitals Center NYU School of Medicine Title: Identity Theft Prgram Effective Date: July 2009 NYU Langne Medical Center NYU Hspitals Center NYU Schl f Medicine POLICY It is the plicy f the NYU Langne Medical Center t educate and train staff

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

More information

Bond Authorization Requested

Bond Authorization Requested District r Charter Schl Cntact Persn: Address 1: Address 2: City: Zip Cde: Telephne: Email Address: Bnd Authrizatin Requested The maximum bnd authrizatin that may be requested per district r charter schl

More information

MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER

MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER MSB FINANCIAL CORP. MILLINGTON BANK AUDIT COMMITTEE CHARTER This Audit Cmmittee Charter has been amended as f July 17, 2015. The Audit Cmmittee shall review and reassess this Charter annually and recmmend

More information

THIRD PARTY PROCUREMENT PROCEDURES

THIRD PARTY PROCUREMENT PROCEDURES ADDENDUM #1 THIRD PARTY PROCUREMENT PROCEDURES NORTH CENTRAL TEXAS COUNCIL OF GOVERNMENTS TRANSPORTATION DEPARTMENT JUNE 2011 OVERVIEW These prcedures establish standards and guidelines fr the Nrth Central

More information

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments

University of Texas at Dallas Policy for Accepting Credit Card and Electronic Payments University f Texas at Dallas Plicy fr Accepting Credit Card and Electrnic Payments Cntents: Purpse Applicability Plicy Statement Respnsibilities f a Merchant Department Prcess t Becme a Merchant Department

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Financial Planning Agreement

Financial Planning Agreement Financial Planning Agreement This Financial Planning Agreement, the ( Agreement ), dated as f, 20, is by and between Vulcan Investments LLC, 2100 SuthBridge Pkwy, Suite 650 Birmingham, AL. 35209, an investment

More information

CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC.

CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC. CHARTER OF THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS OF UPLAND SOFTWARE, INC. PURPOSE The purpse f the Cmpensatin Cmmittee f the Bard f Directrs (the Bard ) f Upland Sftware, Inc. (the Cmpany

More information

RQ10.06 AACo Share Trading Policy

RQ10.06 AACo Share Trading Policy Australian Agricultural Cmpany Limited ACN 010 892 270 RQ10.06 AAC Share Trading Plicy Versin 5 This plicy was apprved by the Bard f Australian Agricultural Cmpany Limited n 15 December 2010. This plicy

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

More information

Information Bulletin PT 204/09.15

Information Bulletin PT 204/09.15 Infrmatin Bulletin PT 204/09.15 Operatr Accreditatin fr Limusine Services What is peratr accreditatin? The Transprt Operatins (Passenger Transprt) Act 1994 requires peratrs f public passenger services

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Request for Resume (RFR) CATS II Master Contract. All Master Contract Provisions Apply

Request for Resume (RFR) CATS II Master Contract. All Master Contract Provisions Apply Sectin 1 General Infrmatin RFR Number: (Reference BPO Number) Functinal Area (Enter One Only) F50B3400026 7 Infrmatin System Security Labr Categry A single supprt resurce may be engaged fr a perid nt t

More information

Audit Committee Charter

Audit Committee Charter Audit Cmmittee Charter Membership The Audit Cmmittee (the "Cmmittee") f the Bard f Directrs (the "Bard") f Philip Mrris Internatinal Inc. (the "Cmpany") shall cnsist f at least three directrs all f whm

More information

DisplayNote Technologies Limited Data Protection Policy July 2014

DisplayNote Technologies Limited Data Protection Policy July 2014 DisplayNte Technlgies Limited Data Prtectin Plicy July 2014 1. Intrductin This dcument sets ut the bligatins f DisplayNte Technlgies Limited ( the Cmpany ) with regard t data prtectin and the rights f

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT

FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT FAFSA / DREAM ACT COMPLETION PROGRAM AGREEMENT If using US Pstal Service, please return t: Califrnia Student Aid Cmmissin Prgram Administratin & Services Divisin ATTN: Institutinal Supprt P.O. Bx 419028

More information

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University.

explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University. University f Stirling Student Payment Plicy 1. Intrductin This dcument sets ut the University s plicy in relatin t the cllectin f student fees and charges payable t the University by current and frmer

More information

Malpractice and Maladministration Policy

Malpractice and Maladministration Policy TR340 Malpractice and Maladministratin Plicy This plicy aims t: Define malpractice and maladministratin in the cntext f CIM/CAM studying members, Accredited study centres (ASCs), examinatin centres, invigilatrs

More information

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK

Application Submission Checklist To Mutual of Omaha For Medicare Supplement Coverage NEW YORK Mutual f Omaha Insurance Cmpany P.O. Bx 3608 Omaha, Nebraska 68103-3608 Applicatin Submissin Checklist T Mutual f Omaha Fr Medicare Supplement Cverage NEW YORK THIS APPLICATION MUST BE USED TO WRITE MUTUAL

More information

CORPORATE CREDIT CARD POLICY

CORPORATE CREDIT CARD POLICY TITLE: POLICY OWNERS: DATE INSTITUTED: May 1, 2008 CURRENT VERSION: Ver. 1.6 REVISION DATE: July 1, 2015 Crprate Credit Card Plicy Melissa Cluse, Vice President & Cntrller Cindy Klein, Accunts Payable

More information

General Records Authority 33. Accredited Training

General Records Authority 33. Accredited Training General Recrds Authrity 33 2012/00579704 Accredited Training February 2013 This is an accurate reprductin f the authrised recrds authrity cntent, created fr accessibility purpses CONTENTS INTRODUCTION

More information

Wire Transfer Request

Wire Transfer Request Wire Transfer Request Requirements and Instructins OFFICE OF DISBURSEMENTS Categry: Dcument Name: Payment Prcessing Wire Transfer Request - Requirements and Instructins Respnsible Department: Office f

More information

Title IV Refund Policy (R2T4)

Title IV Refund Policy (R2T4) Title IV Refund Plicy (R2T4) Charter Oak State Cllege s revised Refund Plicy cmplies with the amended 34 CFR Sectin 668.22 f the Higher Educatin Amendment f 1998. This plicy reflects new regulatins that

More information

CHANGE MANAGEMENT STANDARD

CHANGE MANAGEMENT STANDARD The electrnic versin is current, r when printed and stamped with the green cntrlled dcument stamp. All ther cpies are uncntrlled. DOCUMENT INFORMATION Descriptin Dcument Owner This standard utlines the

More information

AUDIT AND RISK COMMITTEE TERMS OF REFERENCE

AUDIT AND RISK COMMITTEE TERMS OF REFERENCE AUDIT AND RISK COMMITTEE TERMS OF REFERENCE 1. TITLE OF COMMITTEE Audit and Risk Cmmittee 2. ESTABLISHMENT The Audit and Risk Cmmittee is established under Part 3 Sectin 19(1) f the Charles Darwin University

More information

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc. HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN

More information

Munising Memorial Hospital. Administrative/Financial Policy

Munising Memorial Hospital. Administrative/Financial Policy Munising Memrial Hspital Administrative/Financial Plicy SUBJECT: Credit and Cllectins & Financial Assistance POLICY NO. 100-072 REVISED: March 26, 2014 Authrized By: The credit and cllectin plicy f Munising

More information

Texas Department of Insurance Division of Workers Compensation. Insurance Carrier/Utilization Review Agent Plan-Based Audit

Texas Department of Insurance Division of Workers Compensation. Insurance Carrier/Utilization Review Agent Plan-Based Audit Texas Department f Insurance Divisin f Wrkers Cmpensatin Insurance Carrier/Utilizatin Review Agent Plan-Based Audit Octber 22, 2012 1 P age Sectin I: General Statement and Overview The Texas Department

More information

STEP 1: Student Application Submission

STEP 1: Student Application Submission Student Applicatin Prcess fr Chice Districts Interdistrict Public Schl Chice Prgram New Jersey State Department f Educatin P.O. Bx 500 Trentn, New Jersey 08625-0500 Email: pschice@de.state.nj.us STEP 1:

More information

RUTGERS POLICY. Responsible Executive: Vice President for Information Technology and Chief Information Officer

RUTGERS POLICY. Responsible Executive: Vice President for Information Technology and Chief Information Officer RUTGERS POLICY Sectin: 70.1.1 Sectin Title: Infrmatin Technlgy Plicy Name: Acceptable Use Plicy fr Infrmatin Technlgy Resurces Frmerly Bk: N/A Apprval Authrity: Senir Vice President fr Administratin Respnsible

More information

FAYETTEVILLE STATE UNIVERSITY

FAYETTEVILLE STATE UNIVERSITY FAYETTEVILLE STATE UNIVERSITY IDENTITY THEFT PREVENTION (RED FLAGS RULE) Authrity: Categry: Issued by the Fayetteville State University Bard f Trustees. University-Wide Applies t: Administratrs Faculty

More information

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS

CFD AND SPOT FOREX TERMS: DEPOSIT ACCOUNTS 1. Structure 1.1 When we engage in cfd r spt frex trading with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur CFD and Spt Frex Terms. 1.2 The CFD and Spt Frex Terms deal with matters

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

VCU Payment Card Policy

VCU Payment Card Policy VCU Payment Card Plicy Plicy Type: Administrative Respnsible Office: Treasury Services Initial Plicy Apprved: 12/05/2013 Current Revisin Apprved: 12/05/2013 Plicy Statement and Purpse The purpse f this

More information

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014

FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Approved by the DOLA Executive Director July 1, 2014 FIREFIGHTER HEART AND CIRCULATORY MALFUNCTION BENEFITS PROGRAM STANDARD OPERATING GUIDELINES Apprved by the DOLA Executive Directr July 1, 2014 Prgram Overview: As f July 1, 2014, the Department f Lcal

More information

ACQUIRED RARE DISEASE DRUG THERAPY EXCEPTION PROCESS

ACQUIRED RARE DISEASE DRUG THERAPY EXCEPTION PROCESS ADMINISTRATIVE POLICY ACQUIRED RARE DISEASE DRUG THERAPY EXCEPTION PROCESS Plicy Number: ADMINISTRATIVE 19.8 T Effective Date: Octber 1, 014 Table f Cntents CONDITIONS OF COVERAGE... BENEFIT CONSIDERATIONS...

More information

BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE BOARD OF GOVERNORS

BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE BOARD OF GOVERNORS BLUE RIDGE COMMUNITY AND TECHNICAL COLLEGE BOARD OF GOVERNORS SERIES: 1 General Rules RULE: 17.1 Recrd Retentin Scpe: The purpse f this rule is t establish the systematic review, retentin and destructin

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

NHVAS Mass Management Spot Check Checklist

NHVAS Mass Management Spot Check Checklist Legal Entity Name f NHVAS Operatr: DTMR Representative: Lcatin: NHVAS Mass Management Spt Check Checklist Spt Check Date: Spt Check Number: DMS Number: 540/ The fllwing surces f evidence have been identified

More information

American Recovery and Reinvestment Act Reporting Policy

American Recovery and Reinvestment Act Reporting Policy American Recvery and Reinvestment Act Reprting Plicy Updated May 2010 1 I. Backgrund On February 17, 2009, President Barack Obama signed the American Recvery and Reinvestment Act f 2009 (ARRA) int law.

More information

Communicating Deficiencies in Internal Control to Those Charged with Governance and Management

Communicating Deficiencies in Internal Control to Those Charged with Governance and Management Internatinal Auditing and Assurance Standards Bard ISA 265 April 2009 Internatinal Standard n Auditing Cmmunicating Deficiencies in Internal Cntrl t Thse Charged with Gvernance and Management Internatinal

More information

Frequently Asked Questions About I-9 Compliance

Frequently Asked Questions About I-9 Compliance Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf

More information

Convenience Fees BEST PRACTICES FOR MERCHANT USE OF CONVENIENCE FEES:

Convenience Fees BEST PRACTICES FOR MERCHANT USE OF CONVENIENCE FEES: Cnvenience Fees This publicatin includes Card Acceptance Guide language n Best Practices fr Merchant Use f Cnvenience Fees in additin t addressing specific differences by card brand and special circumstances

More information

Systems Support - Extended

Systems Support - Extended 1 General Overview This is a Service Level Agreement ( SLA ) between and the Enterprise Windws Services t dcument: The technlgy services the Enterprise Windws Services prvides t the custmer. The targets

More information

Information Security Policy

Information Security Policy Purpse The risk t Charlestn Suthern University, its emplyees and students frm data lss and identity theft is f significant cncern t the University and can be reduced nly thrugh the cmbined effrts f every

More information

Hillsborough Board of Education Acceptable Use Policy for Using the Hillsborough Township Public Schools Network

Hillsborough Board of Education Acceptable Use Policy for Using the Hillsborough Township Public Schools Network 2361/Page 1 f 8 Hillsbrugh Bard f Educatin Acceptable Use Plicy fr Using the Hillsbrugh Twnship Public Schls Netwrk The Bard f Educatin recgnizes as new technlgies shift the manner in which infrmatin is

More information

INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT CONTENTS

INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT CONTENTS INTERNATIONAL STANDARD ON AUDITING 265 COMMUNICATING DEFICIENCIES IN INTERNAL CONTROL TO THOSE CHARGED WITH GOVERNANCE AND MANAGEMENT (Effective fr audits f financial statements fr perids beginning n r

More information

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021

Multi-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021 Multi-Year Accessibility Plicy and Plan fr NSF Canada and NSF Internatinal Strategic Registratins Canada Cmpany, 2014-2021 This 2014-21 accessibility plan utlines the plicies and actins that NSF Canada

More information

c) Be a permanent resident of the United States and the State of Florida. (A resident is

c) Be a permanent resident of the United States and the State of Florida. (A resident is THIRTEENTH JUDICIAL CIRCUIT IN AND FOR HILLSBOROUGH COUNTY (Revised 1/9/06) PROCEDURES FOR PROCESS SERVER CERTIFICATION Cmpleted Applicatins are Sub.iect t Apprpriate Public Recrds Disclsure Law Applicatins

More information

GUIDANCE FOR BUSINESS ASSOCIATES

GUIDANCE FOR BUSINESS ASSOCIATES GUIDANCE FOR BUSINESS ASSOCIATES This Guidance fr Business Assciates dcument is intended t verview UPMCs expectatins, as well as t prvide additinal resurces and infrmatin, t UPMC s HIPAA business assciates.

More information

Third Party Originator Application

Third Party Originator Application Third Party Originatr Applicatin Applicant Infrmatin Third Party Name: Primary Address: City: State: Zip Cde: Primary Cntact: Telephne Number: Email Address: Fax Number: Website Address: Branch Lcatins

More information

Texas Woman's University University Policy Manual

Texas Woman's University University Policy Manual Texas Wman's University University Plicy Manual Plicy Name: Plicy Number: 6.06 Date Passed: July 2004 Health Insurance Prtability& Accuntability Act (HIPAA) Date Reviewed: September 2008 Next Review: September

More information

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM WB-DEC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washingtn, D.C. 20549 FORM WB-DEC DECLARATION OF ORIGINAL INFORMATION SUBMITTED PURSUANT TO SECTION 21F OF THE SECURITIES EXCHANGE ACT OF 1934 A. SUBMITTER

More information

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care

More information

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released

DATE APPROVED March 2011. Version Date Comments / Changes 1.0 March 2011 Initial policy released Page 1 f 11 APPROVED (S) REVISED / REVIEWED SUMMARY Versin Date Cmments / Changes 1.0 Initial plicy released 1. PURPOSE OF THIS POLICY T define the purpses fr which Crprate Purchase Cards are t be used

More information

Cyber Security: Simulation Platform

Cyber Security: Simulation Platform Service Overview The Symantec Cyber Security: Simulatin Platfrm is a Web hsted Service with immersive and hands-n access t cyber exercises fr ffensive (red team) events, inspired by real-life security

More information

10 th May 2010. Dear Peter, Re: Audit Quality in Australia: A Strategic Review

10 th May 2010. Dear Peter, Re: Audit Quality in Australia: A Strategic Review 10 th May 2010 Mr. Peter Levy Audit Quality Strategic Review Crpratins and Financial Services Divisin The Treasury Langtn Crescent PARKES ACT 2600 Dear Peter, Re: Audit Quality in Australia: A Strategic

More information

Summary Plan Description Requirements for Group Health Plans

Summary Plan Description Requirements for Group Health Plans Summary Plan Descriptin Requirements fr Grup Health Plans September 2014 All grup health plans subject t the Emplyee Retirement Incme Security Act (ERISA) are required t prvide participants with a Summary

More information

TITLE: Supplier Contracting Guidelines Process: FIN_PS_PSG_050 Replaces: Manual Sections 6.4, 7.1, 7.5, 7.6, 7.11 Effective Date: 10/1/2014 Contents

TITLE: Supplier Contracting Guidelines Process: FIN_PS_PSG_050 Replaces: Manual Sections 6.4, 7.1, 7.5, 7.6, 7.11 Effective Date: 10/1/2014 Contents TITLE: Supplier Cntracting Guidelines Prcess: FIN_PS_PSG_050 Replaces: Manual Sectins 6.4, 7.1, 7.5, 7.6, 7.11 Cntents 1 Abut university supplier cntracting... 2 2 When is a cntract required?... 2 3 Wh

More information

Johnston Public Schools Special Education Procedural Manual. IEP Overview

Johnston Public Schools Special Education Procedural Manual. IEP Overview Jhnstn Public Schls Special Educatin Prcedural Manual IEP Overview Definitin The Individualized Educatin Prgram (IEP) is a written plan fr the apprpriate educatin f students with disabilities. It is a

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES For Your Protected Health Information

GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES For Your Protected Health Information GOVERNORS PHARMACY HIPAA NOTICE OF PRIVACY PRACTICES Fr Yur Prtected Health Infrmatin THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS

More information

Projects Director Report Guidelines. IPMA Level A

Projects Director Report Guidelines. IPMA Level A Prjects Directr Reprt Guidelines IPMA Level A Cntents 1. GENERAL PROVISIONS.. 2 2. PROJECT PORTFOLIO / PROGRAMME DESCRIPTION...2 3. PROJECTS DIRECTOR REPORT 5 4. ANNEXES..7 Authr Classificatin Status Electrnic

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013

INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01. Issued: January 02, 2013 INFORMATIONAL NOTICE MISCELLANEOUS TAX 2013-01 Issued: January 02, 2013 Pennsylvania Department f Revenue Guidelines fr Cllectin and Administrative Bank Attachment Required by Act 85 f 2012 Per the Tax

More information

Visa Global Acquirer Risk Standards (GARS)

Visa Global Acquirer Risk Standards (GARS) Visa Glbal Acquirer Risk Standards (GARS) The Visa Glbal Acquirer Risk Standards guide was develped fr member use in managing merchants and Third Party Agents. It is intended fr member distributin. Members

More information

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines

NSW FAIR TRADING. Real Estate Fraud Prevention Guidelines NSW FAIR TRADING Real Estate Fraud Preventin Guidelines Real Estate Fraud Preventin Guidelines Cntents 1. Intrductin..... 2 2. Backgrund.. 2 3. The Law.. 2 4. Cmmissiner s Guidance.... 3 5. Prescribed

More information

SECTION 5: EVALUATION METHODOLOGY

SECTION 5: EVALUATION METHODOLOGY SECTION 5: EVALUATION METHODOLOGY The State f Oklahma will cnduct a cmprehensive, fair, and impartial evaluatin f bids received in respnse t this ITB. Technical and Cst Bids will be evaluated and scred

More information

ACCREDITATION. Policy 60150: Substantive Change

ACCREDITATION. Policy 60150: Substantive Change ACCREDITATION Plicy 60150: Substantive Change 1. Purpse 2. Plicy The purpse f this plicy is t assist the Cllege with maintaining cmpliance with Cmprehensive Standard 3.12.1 f the Principles f Accreditatin

More information

ICBA Summary of the TILA- RESPA Integrated Disclosure (TRID) Rule

ICBA Summary of the TILA- RESPA Integrated Disclosure (TRID) Rule ICBA Summary f the TILA- RESPA Integrated Disclsure (TRID) Rule Octber 2015 Mnth Year Mn Cntact: Je Grmley Assistant Vice President & Regulatry Cunsel jseph.grmley@icba.rg www.icba.rg ICBA Summary f the

More information

Symantec User Authentication Service Level Agreement

Symantec User Authentication Service Level Agreement Symantec User Authenticatin Service Level Agreement Overview and Scpe This Symantec User Authenticatin service level agreement ( SLA ) applies t Symantec User Authenticatin prducts/services, such as Managed

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

Privacy and Security Training Policy (PS.Pol.051)

Privacy and Security Training Policy (PS.Pol.051) Privacy and Security Training Plicy (PS.Pl.051) Purpse T define the plicies and prcedures fr prviding privacy and security training in respect f the CnnectingGTA Slutin. Definitins Electrnic Service Prvider

More information

INSURANCE COMPANIES. Purushottam Nyati February 21, 2015

INSURANCE COMPANIES. Purushottam Nyati February 21, 2015 MAJOR ISSUES IN AUDIT OF LIFE INSURANCE COMPANIES Purushttam Nyati February 21, 2015 PRESENTATION PATH Unique features f Life Insurance Cmpanies Significant Audit Areas/Financial Statement Areas Key cnsideratin

More information

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900 MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and

More information

Guidelines for Custodians

Guidelines for Custodians Guidelines fr Custdians t assess cmpliance with the Persnal Health Infrmatin Privacy and Access Act (PHIPAA) This dcument is designed t help custdians evaluate readiness fr cmpliance with PHIPAA and t

More information

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

More information

Accessible Service Policy

Accessible Service Policy Accessible Service Plicy Date Created Revisin Oct. 16, 2012 1 Gal This plicy is intended t meet the requirements f the Accessibility Standards fr Custmer Service, Ontari Regulatin 429/07 under the Accessibility

More information

Electronic Signatures Laws

Electronic Signatures Laws White Paper Electrnic Signatures Laws Versin 1.0 Last Updated: 21-09-2010 www.sutisft.cm Intrductin Mst businesses these days use electrnic signatures fr btaining users cnsent r apprval f dcuments nline.

More information

WHITE PAPER: UNIVERSITY AND COLLEGE COMPLIANCE WITH THE FOREIGN CORRUPT PRACTICES ACT IN CONNECTION WITH FOREIGN ACADEMIC PROGRAMS

WHITE PAPER: UNIVERSITY AND COLLEGE COMPLIANCE WITH THE FOREIGN CORRUPT PRACTICES ACT IN CONNECTION WITH FOREIGN ACADEMIC PROGRAMS WHITE PAPER: UNIVERSITY AND COLLEGE COMPLIANCE WITH THE FOREIGN CORRUPT PRACTICES ACT IN CONNECTION WITH FOREIGN ACADEMIC PROGRAMS By Sean R. Kelly, Esq. DanaLynn T. Cla, Esq. Saiber, LLC 18 Clumbia Turnpike,

More information

Financial Accountability Handbook

Financial Accountability Handbook Financial Accuntability Handbk >> Vlume 5 Reprting Systems Infrmatin Sheet 5.2 Preparatin f Financial Statements Intrductin The Financial Accuntability Act 2009 (the Act) and the Financial and Perfrmance

More information

Revised Memorandum of Understanding between the Departments of Homeland Security and labor Concerning Enforcement Activities at Worksftes

Revised Memorandum of Understanding between the Departments of Homeland Security and labor Concerning Enforcement Activities at Worksftes Revised Memrandum f Understanding between the Departments f Hmeland Security and labr Cncerning Enfrcement Activities at Wrksftes I. Purpse This revised memrandum f understanding (MOU) is entered int by

More information

REQUEST FOR PROPOSAL SECURITY SERVICES

REQUEST FOR PROPOSAL SECURITY SERVICES REQUEST FOR PROPOSAL SECURITY SERVICES Sectin I INTRODUCTION [Cmpany] is seeking prpsals frm qualified Cntractrs t prvide unifrmed security service fr [Cmpany] facilities at [Lcatin(s)]. This dcument is

More information

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272 LOUISIANA TECH UNIVERSITY Divisin f Student Financial Aid Pst Office Bx 7925 Rustn, LA 71272 Dear Financial Aid Applicant, Accrding t yur 2011-2012 Student Aid Reprt (SAR), yu did nt include any parental

More information

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6.

Application Fee Schedule Please check the appropriate box below. See also Additional Information starting on page 6. DRIVING SCHOOL LICENSE APPLICATION N. APPLICATION DMV USE ONLY N. LICENSE Received Fee Amunt Expiratin Fee Amunt PART 1 Schl Infrmatin: l READ VEHICLE AND TRAFFIC LAW SECTION 394 AND DMV COMMISSIONER S

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

Municipal Advisor Registration

Municipal Advisor Registration FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr

More information

Electronic Data Interchange (EDI) Requirements

Electronic Data Interchange (EDI) Requirements Electrnic Data Interchange (EDI) Requirements 1.0 Overview 1.1 EDI Definitin 1.2 General Infrmatin 1.3 Third Party Prviders 1.4 EDI Purchase Order (850) 1.5 EDI PO Change Request (860) 1.6 Advance Shipment

More information

GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER. Most Recently Amended: December 8, 2015

GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER. Most Recently Amended: December 8, 2015 GENERAL MOTORS COMPANY AUDIT COMMITTEE CHARTER Mst Recently Amended: December 8, 2015 Purpse The purpse f the Audit Cmmittee is t assist the Bard f Directrs f General Mtrs Cmpany in its versight f the

More information

National Australia Bank Limited Group Disclosure & External Communications Policy

National Australia Bank Limited Group Disclosure & External Communications Policy Natinal Australia Bank Limited Grup Disclsure & External Cmmunicatins Plicy Grup Disclsure & External Cmmunicatins Plicy Page 2 f 7 Grup Disclsure & External Cmmunicatins Plicy ( the Plicy ) 1. Overview

More information