Motorola Lessor Agreemet Termiato

Size: px
Start display at page:

Download "Motorola Lessor Agreemet Termiato"

Transcription

1 Versio: S2 Everest 6.0 Scaer Lease Agreemet Scaer Lease Agreemet Australia/New Zealad Lease Cover Sheet ad Checklist (This completed cover sheet must accompay ay submitted lease agreemet. Failure to do so will delay the processig ad shipmet of your lease agreemet) Name: Distributor ID: Street Phoe Number: address: Name of Accout Maager is: Loss ad Damage Waiver Attached? YES or NO (circle oe) Special shippig ad leasig istructios: By my Iitials here, I have read ad uderstood Sectio 11 (Limitatio o Laptop Use) o the Everest 6.0 Scaer Lease. Pharmaex BioPhotoic Scaers ca oly be picked up at 2 Ede Park Drive, North Ryde, NSW 2113, Australia. All Pharmaex _ BioPhotoic Scaer i New Zealad will be couriered. Yes! Please iclude me i the olie directory as a Sca Operator of web browsers to cotact me for a sca. I uderstad that my city ad state (as listed o my accout) alog with my ame will be viewable by those i search of Scaer Operators while visitig i Australia or i New Zealad. I uderstad that if I become uproductive with my scaer ad fail to perform scas o a regular basis I may be removed from the olie directory. CHECKLIST OF COMPLETION Lease Documets: (Please Check upo completio) The applicat is listed as a associate o the Distributor accout Pages 1, 8, 10, 11, 12 are attached ad completed ***If you are a corporatio, you eed to fill out both sectios 1 ad 2 of pages 1, 8, 10, 11, ad 12.*** The primary locatio is filled out o page 8 sectio G The credit cards listed o page 10 belog to the applicat (Oly credit cards belogig to the applicat are accepted) Details for two credit cards are completed o page 10 (Two cards must be listed if more tha oe will show up o your credit report i your ame) The applicat DIST ID o this cover page matches what is o the lease agreemet pgs. 1, 8, 10, 11, 12 If this page is ot complete, your S2 Everest scaer shipmet will be delayed. Iteral Processig Oly Verified check list

2 Page 1 of 12 Master Lease ad Licesig Agreemet This Master Lease ad Licesig Agreemet ( Agreemet ) dated ( the Effective Date ) betwee Nu Ski Eterprises Australia, Ic. a corporatio with a address at 2 Ede Park Drive, North Ryde, NSW 2113, Australia, or betwee Nu Ski Eterprises New Zealad, Ic. a corporatio with a address at Motgomerie Road, Airport Oaks, Aucklad 2022, New Zealad ad all its successors ad assigs, more particularly described i the sigature page ( Lessor ) ad, havig a address at: ad all its successors ad assigs, ad all the licesees, co-lessees ad/or co-licesees more particularly described i the sigature page ( Lessee ). The Lessor ad the Lessee shall hereiafter be referred to as the Parties ad either oe of them as a Party. It is hereby agreed as follows: 1. All the Schedules ad Exhibits attached to ad referred to i this Agreemet are part of this Agreemet. 2. Lease ad Licese - Lessor agrees to lease to Lessee, ad Lessee agrees to lease from Lessor, the Equipmet, ad Lessor further agrees to licese to Lessee, ad Lessee agrees to licese from Lessor, the Related Software, all i accordace with the terms ad coditios of this Agreemet; provided, however, that this Agreemet shall oly become effective upo the sigig of all documets required pursuat hereto by the Lessor, which will occur oly after (i) cofirmatio by Lessor that Lessee is a Executive Distributor, of Lessor or its affiliates, (ii) Lessee has passed Lessor s requisite traiig course i the use of the Equipmet ad Related Software, ad (iii) cofirmatio by the Lessor that Lessee has fulfilled the Miimum Requiremets set out i paragraph 2 of Schedule A. Lessee warrats that it shall use the equipmet ad related software primarily for busiess purposes ad ot for persoal, family or household purposes. Lessee further uderstads ad warrats that it shall oly use the equipmet ad related software for the purposes expressly allowed i paragraph 11 of Schedule A. 3. Term Subject to the Miimum Requiremets described i paragraph 2 of Schedule A, the term of this Agreemet shall be for a period of thirty six (36) moths ( Iitial Term ), commecig, for purposes of such 1-moth period ad the paymet of Retal, o the Effective Date. Subject to the Miimum Requiremets i paragraph 2 of Schedule A ad all the termiatio provisios i this Agreemet, both Parties hereby agree that this Agreemet shall be automatically reewed for additioal oe (1) moth periods ( Reewal Term ) at such Retal specified i paragraph 2.2 of Schedule A, subject to a maximum of thirty six (36) moths. I additio, this Agreemet may be reewed or ameded upo such terms ad coditios as the Lessor may from time to time otify the Lessee by reasoable otice, ad that the reewal or amedmet will oly take effect upo both Parties writte agreemet. 4. Termiatio 4.1 Subject to paragraph 5 of Schedule A, either Party may termiate this Agreemet at ay time prior to the expiratio of this Agreemet by writte otice to the other Party, provided that the Lessee shall give at least fourtee (14) days prior writte otice to the Lessor for such termiatio. 4.2 All obligatios of the Lessee uder paragraph 15, 16 ad 17 of Schedule A shall survive the expiratio or termiatio of this Agreemet. 4.3 Upo the termiatio of the Master Lease ad Licesig Agreemet, the Lessee must: (a) promptly retur the Equipmet ad the Related Software to the Lessor; ad (b) esure that all Retal due ad payable to the Lessor has bee paid. 5. Retal ad Security Deposit Lessee shall pay Lessor a retal (which shall be iclusive of the licesig fee for the Related Software) ad a security deposit for the use of the Equipmet ad the licesig of the Related Software, i the amouts specified i paragraph C ad D of Schedule B ad o the dates ( Retal Paymet Dates ) specified i C.3. of Schedule B. 6. The Lessee agrees to abide by ay applicable laws icludig but ot limited to privacy laws which might apply to the use of the Equipmet i Australia or New Zealad. 7. Amedmets This Agreemet shall be ameded by the Lessor from time to time by givig the Lessee reasoable prior otice before such amedmets become effective. 8. Goverig Law This Agreemet shall be govered by the laws of Australia or New Zealad. I witess whereof, the Parties have caused this Master Lease ad Licesig Agreemet to be executed o this the day of, 20. LESSOR/LICENSOR: NU SKIN ENTERPRISES AUSTRALIA OR (2) LESSEE/LICENSEE (IF A CORPORATION): NU SKIN ENTERPRISES NEW ZEALAND GILBERT LUM / MATT HALL /LANI ABBOTT Title: Name of corporatio (if applicable): (1) LESSEE/LICENSEE (IF AN INDIVIDUAL): Title: ABN # (Australia): GST # (New Zealad):

3 Master Lease ad Licesig Agreemet SCHEDULE A 1. The terms specified below ad referred to i this Agreemet shall have the followig meaigs: ADR shall mea the Automatic Delivery Rewards desiged by the Lessor from time to time; ADR Members shall mea members of ADR; Assessmets shall mea all kids of taxes applicable to this Agreemet; Assigee shall mea ay party to whom this Agreemet is assiged; Certificate of Acceptace shall mea a certificate of acceptace substatially i the form i Schedule C to this Agreemet; Cofidetial Iformatio shall mea ay ad all iformatio that is uique, proprietary or competitively sesitive to the busiess of the Lessor ad/or ay of its affiliates icludig, but ot limited to, iformatio relatig to the Equipmet ad Related Software, the Lessor s lists of distributors ad represetatives, the Lessor s compesatio or commissio systems or schemes, pricig methods, historical, curret ad projected fiacial iformatio, marketig iformatio, ad ay ad all iformatio, techical data or kow-how related to ay aspect of the Lessor s busiess or techology icludig data, kow-how, formulae, desigs, drawigs, proposals, specificatios, ad the terms of this Agreemet; Distributor shall mea a idepedet cotractor who has siged a Distributor Agreemet with Nu Ski Iteratioal, Ic.; Effective Date shall mea the commecemet date of the Iitial Term or Reewal Term, where applicable. Equipmet shall mea the equipmet described i Exhibit A to Schedule B to this Agreemet; Evets of Default shall have the meaig described i paragraph 19 of this Schedule; Executive Distributor shall mea Distributors with the PIN title of Executive or above ad such status to be retaied throughout this Agreemet or such Distributors carryig such PIN titles as required by the Lessor from time to time; Group Sales Volume (GSV) shall mea the umber of poits eared by the Distributors i a Distributor s sales group, whe they purchase product from Nu Ski Iteratioal, Ic. This does t iclude the volumes of ay Breakaway Executive, who has qualified as a Executive, ad their GSV. Iitial Term shall mea the date subsequet to the date o which the Lessee sigs the Certificate of Acceptace; LifePak ad/or g3 ADR shall mea the LifePak ad/or g3 Gâc Superfruit Bled ( g3 hereiafter) product series ADR determied by the Lessor from time to time, curretly icludig without limitatio the LifePak, LifePak Prime, LifePak Wome, g3 Juice twi-pack ad g3 Juice 4-pack etc. Miimum Requiremets shall have a meaig defied uder paragraph 2 of this Schedule; New LifePak ad/or g3 ADR Cotracts From Scas shall mea ew LifePak, LifePak Prime, LifePak Wome or g3 ADR Cotracts whereby the first order is made withi 365 days from the date of iitial Sca; Related Software shall mea the software programs developed ad owed by Lessor ad/or its affiliates ad described i Exhibit A to Schedule B; Sca Certificate shall mea a documet issued by Lessor or its affiliates that authorises the Sca Certificate holder to be scaed by the Equipmet; Scas shall mea such scaig activities performed pursuat to the istructios ad requiremets of the Lessor from time to time; Term shall mea the Iitial Term ad the Reewal Term(s), if ay, defied i Sectio 3 of this Agreemet; User Maual shall mea such mauals, guidelies ad procedures issued by the Lessor from time to time i relatio to the operatio of the Equipmet ad Related Software. 2. Miimum Requiremets ad Retal- 2.1 The Lessee hereby agrees that durig the Term, it/he/she will use its/his best edeavours to cotiue to: - Maitai Executive status 2.2 Subject to sub-paragraph 2.1 of this Schedule, the Lessee shall pay the Lessor (i) a mothly Retal i accordace with paragraph C of Schedule B or a log-term lease of thirty-six (36) moths (or such other retal, if ay, as the Lessor may from time to time at its sole discretio decide); ad make or maitai (if applicable) a Security Deposit i accordace with paragraph D of Schedule B or its equivalet to/with the Lessor durig the Term (provided that the Lessor has the sole discretio to waive the receipt of such security deposit), such deposit to be refudable to the Lessee upo expiratio/termiatio of this Agreemet, less ay expeses or costs icurred by the Lessor for repairig, fixig ad/or reistatig the Equipmet ad Related Software due to the damage or losses caused by the Lessee or other ecessary applicatios towards the Retal or the Lessee s other obligatios uder this Agreemet i the evet of Default i accordace with paragraph D of Schedule B, ad fulfil such other coditios as reasoably determied by the Lessor at its sole discretio from time to time. 3. Lessee ackowledges that - Lessee is eterig ito this Agreemet with the uderstadig that it is assumig all risks related to ay determiatio that the Equipmet caot be marketed or used without pre-clearace with the Departmet of Health or its equivalet or other relevat authorities. The Equipmet should be oly used i o-medical eviromets ad limited medical eviromets as described o attached Exhibit C to Schedule B. 4. I the evet the Equipmet is recalled or ot cleared for use by the Departmet of Health or its equivalet or other relevat authorities, this Agreemet shall be termiated i accordace with such recall or o-clearace determiatio. Upo termiatio, Lessee shall retur the Equipmet ad Related Software to Lessor Page 2 of 12

4 i accordace with paragraph 6 of this Schedule. 5. The Lessor (i the evet of paragraphs 5.1, 5.2 or 5.3 of this Schedule) ad either Party (i the evet of paragraphs 5.4 or 5.5 of this Schedule) shall be etitled to termiate this Agreemet forthwith by writte otice to the other : 5.1 if the Lessee commits a material breach of this Agreemet (icludig without limitatio a breach of paragraph 12 of this Schedule) ad fails to remedy the breach withi fourtee (14) days (or such other reasoable period as agreed by the Lessor) after receipt of a writte otice givig full particulars of the breach ad requirig it to be remedied; 5.2 the terms of paragraph 4 ad paragraph 13 of this Schedule or upo occurrece of a Evet of Default uder paragraph 19 of this Schedule; 5.3 the Equipmet, ad/or Related Software is already i the Lessee s possessio/uder the Lessee s custody, if the Lessee fails to fulfil the Miimum Requiremets i the immediate precedig moth; 5.4 if the other Party becomes bakrupt or is subject to proceedigs of liquidatio or dissolutio, or ceases to carry o busiess or becomes uable to pay its debts as they become due; or 5.5 the other Party fails to comply with the regulatios of ay relevat govermetal agecies ad/or regulatory bodies, resultig i heavy pealties ad/or fies to the o-defaultig Party. 6. At the expiratio or earlier termiatio of this Agreemet, Lessee will withi seve (7) workig days retur to the Lessor all specificatios, procedures ad copies thereof i ay form ad ay other materials, documets cotaiig Cofidetial Iformatio ad ay property belogig to the Lessor, the Equipmet ad Related Software, properly packaged ad fully isured, at Lessee s expese, i the same operatig order, repair coditio ad appearace as o the Effective Date of the Iitial Term, except for reasoable wear ad tear ad depreciatio resultig from authorised use thereof. If the Equipmet ad Related Software are ot retured i a timely fashio, or if repairs are ecessary to place the Equipmet or Related Software i the coditio required i this paragraph, Lessee shall cotiue to pay to Lessor Retal at the last prevailig rate for the period of delay i redelivery, or for the period of time reasoably ecessary to perform such repairs together with the cost of such repairs, as applicable. Lessor s acceptace of such Retal o accout of such delay or repair does ot costitute a reewal of the Term of the applicable Schedule or a waiver of Lessor s right to prompt retur of the Equipmet ad Related Software i proper coditio. 7. I the evet this Agreemet is termiated uder Sectio 4.1 of the Agreemet, Lessor shall refud to Lessee, o the effective date of the termiatio, a pro rata portio of such Retal amout based upo (i) the umber of days this Agreemet has remaied i effect ad (ii) the mothly Retal i effect at such time, less ay amouts due ad owig to Lessor, icludig ay Assessmets. 8. Retals ad all other sums due uder this Agreemet shall be paid without otice, demad, couterclaim, setoff, deductio, withholdig, recoupmet, defece, abatemet, defermet or proratio due to ay cause whatsoever, ad Lessee hereby waives ad agrees ot to assert agaist Lessor ay such defece. Except as expressly provided i this Agreemet, Lessee s obligatios shall ot be affected by ay defect i, damage to, loss of, or iterferece with the use of the Equipmet or Related Software from ay cause or by ay perso or etity. 9. Title; Idetificatio ad Warig Label; Locatio; Ispectio 9.1 Title to the Equipmet ad Related Software (icludig ay replacemets, parts, additios, accessories, modificatios, upgrades, ad ehacemets thereto) shall remai with Lessor or its affiliates at all times, ad Lessee shall have o right, title or iterest therei other tha its leasehold ad licesig iterests, as applicable, uder this Agreemet. Lessee will, at its expese, protect ad defed Lessor or its affiliates title to the Equipmet ad Related Software ad keep them free ad clear from ay claims, lies, ad ecumbraces of Lessee s creditors ad other persos or etities. 9.2 The equipmet shall at all times be ad remai persoal property. Lessor or its affiliates shall be permitted to display otice of its owership by affixig or by havig the maufacturer affix to the Equipmet ad Related Software a idetifyig stecil, plate or other idicia of owership, ad Lessor or its affiliates shall affix a warig label to the Equipmet pursuat to applicable regulatory requiremets, ad Lessee shall ot alter, deface, cover or remove such idetificatio or label. If Lessor requests, Lessee shall place such idetificatio o the Equipmet ad Related Software ad shall ot allow ay other ame to be placed thereo that could be iterpreted as a claim of owership. 9.3 Without prior writte coset from the Lessor, Lessee shall ot take or permit the Equipmet or Related Software to be take outside of Australia or New Zealad. The Equipmet or Related Software ca be take betwee Australia ad New Zealad without prior writte coset. 9.4 Lessee agrees to make the Equipmet, the Related Software ad Lessee s related records available to the Lessor for whatever purposes icludig without limitatio ispectio, upgradig ad testig by Lessor for ay five (5) days i each caledar moth durig the Term at ay reasoable time. 10. Limitatio o Warraties The Equipmet ad Related Software will be of the kid ad quality described i Schedule B, free of defects i workmaship ad, with regard to the Equipmet, material, durig the Term, reasoable wear ad tear excepted. Should ay failure to coform to the warraty appear durig the Term of this Agreemet, Lessor shall, upo receipt of writte otificatio ad receipt of the Equipmet ad Related Software (which shall be properly packaged, isured ad shipped to Lessor by Lessee at Lessee s expese), take steps to correct such ocoformity either by replacig the Equipmet ad/or Related Software, or compoet thereof, or by repairig ay defective part or parts, at Lessor s optio; provided, however, that the foregoig warraty shall be ull ad void if Lessee has modified, abused or damaged the Equipmet or Related Software, or if the Equipmet or Related Software is lost or damaged i shippig; ad provided further, that the foregoig warraty shall be immediately ull ad void if Lessee removes the Equipmet or Related Software outside of Australia or New Zealad. The foregoig warraty is i lieu of all other writte, oral or implied warraties of lessor ad lessor shall ot be deemed to have made ay other warraties of merchatability, fitess for purpose or other warraties, expressed or implied. Correctio of ocoformities i the maer ad for the period of time provided above, shall costitute fulfilmet of, ad the sole remedy for, all liabilities of lessor to lessee, whether based o cotract, egligece or otherwise with respect to, or arisig out of the use of, the equipmet or related software. Lessor shall have o liability to Lessee or ay third party for ay special, direct, idirect, icidetal Page 3 of 12

5 or cosequetial damages of ay sort icludig, without limitatio, damages for persoal ijury, loss of profits or savigs, loss of use, or ay other damages, however based, resultig from the operatio or use of, or ay defects i or malfuctioig of, or Lessee s iability for whatever reaso to use the Equipmet or Related Software. 11. Use ad Operatio of Equipmet ad Related Software Lessee uderstads ad agrees that the Equipmet (alog with the Related Software) is a aalysig tool, for use i determiig whether to icrease a perso s itake of certai selected dietary igrediets, specifically caroteoids. The iformatio derived from the aalysis obtaied from the Equipmet ad Related Software is to be cosidered oly as a part of a over-all, well rouded approach to good health practices, icludig regular moitorig of certai dietary itakes, ad is ot iteded to provide a overall utritioal profile. Lessee agrees that it will use the Equipmet ad Related Software i accordace with this Agreemet ad the User Maual accompayig the Equipmet ad Related Software, provided that ay such use is i coformity with all applicable laws ad regulatios, ay isurace policies, the warraties of Lessor herei, ay warraties of the maufacturer, ad ay maiteace agreemets with respect to the Equipmet. Lessee shall ot: permit ay other perso, firm, or corporatio to use the Equipmet or Related Software, except as specifically provided i paragraph 11.2 hereof; use the Equipmet or Related Software for ay purpose except to help to aalyse caroteoid levels i the ski; use the Equipmet or Related Software to promote or sell utritioal products except those of Lessor or of Pharmaex, a affiliate of Lessor; make, or allow to be made, ay chages or alteratios to the Equipmet or Related Software without Lessor s prior writte coset; represet that the Equipmet or Related Software ca diagose, prevet, mitigate, treat or cure ay disease; represet that the Equipmet or Related Software will provide a complete health profile or complete utritioal profile, or predict or diagose the existece or likelihood of disease, illess, or symptoms of ay disease or illess; represet that the Equipmet or Related Software is or is ot a medical device, medical equipmet, or diagostic device or tool of ay kid for diagosig illess, disease, or symptoms of disease, or that the Equipmet or Related Software is iteded to affect the structure or ay fuctio of the huma body; use the Scaer as a medical device. The Scaer caot be used for the diagosis of ay disease or medical coditio. Use of the BioPhotoic Scaer will cotiue to be limited to the promotio of healthy diet ad lifestyle habits i ay locatio, ad the, oly i coectio with the sale of Pharmaex utritioal ad dietary supplemets; although the BioPhotoic Scaer ca ow be located i medical or cliical settigs, its regulatory status as a o-medical device remais the same perform a sca without coset from the perso to be scaed; reverse-compile, reverse-assemble or reverse-egieer the Equipmet or Related Software or ay of the compoets embedded i, or that costitute part of, the Equipmet, Related Software or ay of the peripherals related thereto, or shall it copy or mimic the expressio of the same; istall, or attempt to istall, ay software or other compoets oto the Equipmet, ay part thereof, or oto the Related Software, icludig ay of the peripherals related to the Equipmet or Related Software; use the Equipmet or Related Software for purposes other tha performig fuctios of a sales aid to promote the Lessor s utritioal products or health supplemets; use or permit ayoe to use the Equipmet or Related Software i evets or fuctios held by the Lessor, icludig without limitatio evets held at office premises of the Lessor such as walk-i-cetres, traiig cetres, executive corers, or at o-office premises such as expositios i malls or exhibitio halls, uless otherwise proposed by the Lessor i specific evets at the Lessor s sole discretio Lessee may permit other Distributors to use ad operate the Equipmet ad Related Software for the customers ad cliets of such Distributors; provided, however, that Lessee shall cotiue to remai liable for all of its obligatios uder this Agreemet, otwithstadig ay loss of or damage to the Equipmet or Related Software while i the possessio of, or uder the cotrol of, a Distributor. Lessee agrees that it shall ot reliquish possessio of the Equipmet or Related Software to a Distributor util such Distributor has bee traied i the use, beefits ad limitatios of the Equipmet ad Related Software, ad has obtaied Distributor s agreemet to abide by the provisios of Subparagraph 11.1 of this Schedule. Lessee shall also be resposible for esurig that Distributors do ot permit ay other perso, firm or corporatio to use the Equipmet or Related Software. 12. Limitatio o Laptop Use - The Scaer equipmet icludes a laptop computer capable of accessig the iteret (the Laptop ). Lessee shall oly use the Laptop as ecessary to operate the Scaer. The Laptop may ot be used to access ay iteret site except for certai pages of the Lessor s website that are ecessary to properly operate the Scaer. I the evet Lessee uses the Laptop to access a website that is ot specifically permitted by Lessor, Lessee will be liable for ay damages caused by ay computer virus, spyware, or other software that affects the Laptop or the Scaer s ability to operate properly, ad the warraty provided i Sectio 10 of this Agreemet shall be ull ad void. Furthermore, i the evet of such uauthorised use of the Laptop, Lessor may, at its ow discretio, termiate this Agreemet immediately. Page 4 of 12

6 13. Reports Withi 120 hours of each sca of a subject with the Equipmet, Lessee shall upload to Lessor a electroic report of all sca iformatio cotaied o each sca certificate for such 120-hour time period. Ay failure by Lessee to do ay of the foregoig shall costitute a material breach of this Agreemet. I additio to ay other remedies available to Lessee uder this Agreemet or applicable law, the Equipmet will automatically prohibit ay ew scas if Lessee fails to upload the sca iformatio withi such 120-hour time period. Thereafter, Lessor may, at its sole optio ad based o the circumstaces, permit the Equipmet to perform ew scas. 14. Risk of Loss 14.1 Subject to Paragraph 16 of this Schedule, the Lessor agrees that upo paymet of the Retal i accordace with Paragraph 2 of this Schedule, the Lessee shall ot be liable for ay loss, theft or damage to the Equipmet or Related Software i the evet that it is accidetally physically lost, stole, destroyed or damaged at ay time durig the Term of this Agreemet, save ad except for the circumstaces as specified i Subparagraph 13.2, but the Lessor has the right to forthwith termiate this Agreemet. I all circumstaces where a request is made by the Lessee agaist the Lessor to cover the expese for the repair or replacemet of the Equipmet or Related Software due to damage, loss or theft, the Lessee shall pay/bear up to the first AUD$1,300/NZD$1,400 for ay such successful request The Lessee shall be liable for the amout of the expese of replacig such Equipmet ad/or Related Software (curretly US$5,900 for the Equipmet as described o the attached Exhibit A to Schedule B, or its equivalet i local currecies or such other expese as reasoably decided by the Lessor from time to time) ( Replacemet Expese ) uder ay of the followig circumstaces: loss or damage caused by or arisig from ay wilful act, egligece, fault or breach of ay terms of this Agreemet o the part of the Lessee or ay perso actig o its/his behalf; acts of fraud or dishoesty of the Lessee or ay perso actig o its/his behalf; loss, damage or disappearace resulted from the Lessee or ay perso actig o its/his behalf failig to take due ad proper care of ad/or to keep i reasoably safe custody the Equipmet ad/or Related Software; loss or damage due to operatig the Equipmet ad/or Related Software by the Lessee or ay perso actig o its/his behalf ot i accordace with the Lessor s guidelies ad istructios from time to time; theft due to wilful or egliget misplacemet of the Equipmet ad/or Related Software; the failure of the Lessee to provide the Lessor with ay police report or supportig evidece to the Lessor s reasoable satisfactio; or such other reasoable circumstaces as iformed by the Lessor to the Lessee from time to time. 15. Maiteace ad Repairs Lessee shall keep the Equipmet ad Related Software i good workig order ad coditio, ad will pay for the maiteace ad repairs to keep the Equipmet ad Related Software as such, reasoable wear ad tear excepted; provided, however, that all maiteace ad repairs shall be made oly by or through Lessor. 16. Taxes ad Assessmets Lessee shall be resposible for ad shall hold Lessor harmless from all documetatio ad filig fees ad all Assessmets (if ay), but excludig ay applicable taxes of Lessor imposed upo or measured by the et icome of Lessor i cosequece of its receipt of Retal paymets. All Assessmets (if ay) may, at Lessor s optio ad without otice to Lessee, be charged to Lessee s credit card show o the Schedule, which charges Lessee hereby authorises Lessor to make. 17. Idemificatio - Lessee assumes liability for ad hereby agrees to idemify, protect ad keep harmless Lessor ad its affiliates ad their officers, directors ad employees from ad agaist ay ad all liabilities, obligatios, losses, damages, ijuries, claims, demads, pealties, actios, costs ad expeses, icludig reasoable attorey s fees ad expeses, of whatsoever kid ad ature, arisig out of the egliget, wilful or improper use, coditio or maiteace of the Equipmet ad Related Software, whether authorised by Lessor or ot, or whether arisig from use of the Equipmet or Related Software by aother Distributor or ay perso actig o the Lessee s behalf, icludig but ot limited to ay use ot authorised uder paragraph 11 of this Schedule. I additio, ay Lessee who is a health care provider ad who uploads data from a sca to Lessor without proper authorisatio shall idemify, protect ad keep harmless Lessor ad its affiliates ad their officers, directors ad employees from ad agaist ay ad all liabilities, obligatios, losses, damages, ijuries, claims, demads, pealties, actios, costs ad expeses, icludig reasoable attorey s fees ad expeses, of whatsoever kid ad ature, arisig from Lessee s failure to obtai such authorisatio. It shall be the sole resposibility of Lessee to determie if Lessee is a health care provider ad subject to specific requiremets ad stadards uder all applicable laws, ad Lessor hereby disclaims ay resposibility therefor or liability i coectio with Lessee s failure to make such a determiatio or failure to make a correct determiatio. The idemities hereuder shall survive the expiratio or other termiatio of this Agreemet. 18. Lessor s Performace of Lessee s Obligatios If Lessee fails to perform ay obligatio uder this Agreemet, Lessor may perform ay act or make ay paymet which it deems ecessary for the maiteace ad preservatio of the Equipmet or Related Software ad Lessor s title thereto, ad all sums so paid, ad legal fees ad expeses icurred i coectio therewith, will be additioal Retal payable by Lessee to Lessor o demad. Ay such performace or paymet by Lessor will ot be deemed a waiver or release of ay obligatio or default by Lessee. 19. Represetatios ad Warraties of Lessee 19.1 Lessee represets ad warrats that: (i) if it is a corporatio, it is duly orgaised, i good stadig ad qualified to do busiess wherever ecessary for its operatios; (ii) if it is a etity other tha a corporatio, it is duly orgaised, registered ad validly existig uder applicable law ad qualified to do busiess wherever ecessary for its operatios; (iii) it has duly authorised the executio, delivery ad performace of this Agreemet ad all related documets; ad (iv) this Agreemet ad all related documets are Lessee s legal, valid ad eforceable obligatios. Page 5 of 12

7 19.2 Lessee, regardless of whether it is a corporatio, partership, limited liability compay or other legal etity, or a idividual, hereby represets, warrats, ackowledges ad agrees that (i) Lessee has etered ito a Distributor Agreemet with Nu Ski Iteratioal, Ic., ad is a Executive Distributor of Lessor or its affiliates; (ii) Lessee s credit card idetified o each of the Schedules is i Lessee s ame ad is valid ad is i full force ad effect, ad Lessee has authority to authorise Lessor to deduct or receive Retal ad all other paymets uder this Agreemet from such credit card; ad provided further, that i the evet the credit card should expire, be cacelled or lost or otherwise become ivalid for whatever reaso durig the Term, Lessee shall, withi five (5) busiess days, provide Lessor, i writig, iformatio o a valid credit card that Lessor may use to receive all outstadig Retal ad other paymets due uder this Agreemet; (iii) Lessee is a idepedet cotractor ad as such shall ot attempt to speak for or to bid Lessor or its affiliates i ay way; (iv) Lessee shall ot operate or use, ad shall ot permit ay Distributor or ay other perso or etity to operate or use, the Equipmet or Related Software so as to icur or impose ay liability agaist or obligatio o Lessor; ad (v) Lessor or a affiliate of Lessor is oly allowed to operate the Equipmet ad Related Software i a area desigated by the Lessor at its sole discretio. 20. Default, Remedies ad Adverse Credit Notice 20.1 The followig shall be Evets of Default : (i) Lessee s failure to pay ay Retal whe due which cotiues uremedied for five (5) busiess days; (ii) Lessee s failure to comply with ay provisio of paragraph 11 of this Schedule; (iii) Lessee s failure to upload to Lessor a electroic report of all sca iformatio cotaied o each sca certificate withi 120-hours of such sca pursuat to paragraph 12 of this Schedule; (iv) the failure of Lessee s credit card show o ay Schedule to be valid, for whatever reaso, which cotiues uremedied for five (5) busiess days; (v) Lessee s failure to pay ay amout other tha Retal or perform ay other obligatio uder this Agreemet for five (5) busiess days after otice of o-performace; (vi) the failure of ay of Lessee s represetatios or warraties herei or i ay related documet to be correct i ay respect at ay time; (vii) Lessee dissolves or ceases to do busiess as a goig cocer; (viii) Lessee sells all or substatially all of its assets, merges or cosolidates with or ito, or reorgaises with, ay etity; (ix) Lessee s isolvecy, bakruptcy or assigmet for the beefit of creditors, or the appoitmet of or Lessee s coset to the appoitmet of a trustee or receiver for Lessee or a substatial part of its property; (x) Lessee s failure to perform ay obligatio uder its Distributor Agreemet or ay other agreemet with Lessor or Lessor s affiliates, or ay other creditor; (xi) the existece of ay judgmets or ay pedig or threateed proceedigs that may adversely affect Lessee; or (xii) a adverse chage i Lessee s fiacial coditio as a result of which Lessor, i good faith, deems itself or the Equipmet to be isecure. The term Default throughout this Agreemet shall mea a Evet of Default or a evet which would be a Evet of Default with oly the passage of time or the givig of otice, or both At ay time after a Evet of Default, Lessor may, at its optio, exercise ay oe or more of the followig remedies ad ay other remedies uder applicable law: (i) by writte otice, termiate this Agreemet, whereupo Lessee s rights to possess ad use the Equipmet ad Related Software shall cease; (ii) reder the Equipmet ad Related Software uusable by Lessee; (iii) by court actio, eforce Lessee s performace of this Agreemet ad/ or recover damages for its breach; (iv) whether or ot this Agreemet or a Schedule is termiated, cause Lessee to promptly retur the Equipmet ad Related Software i accordace with paragraph 6; (v) at ay hour, without otice, ad without liability except for malicious acts, eter Lessee s or ay other premises ad take possessio of or reder uusable the Equipmet, icludig ay attachmets thereo whether or ot such attachmets are the property of Lessor, ad the Related Software; (vi) retai, use, re-lease, re-licese or sell, as applicable, at public or private sale the Equipmet ad ay attachmets thereo ad the Related Software; (vii) recover, by appropriate actio either at law or i equity, all accrued ad upaid Retal ad other amouts payable uder this Agreemet (icludig all of Lessor s costs (icludig Equipmet ad Related Software replacemet costs) ad ay decrease i the value of ay Equipmet ad Related Software resultig from Lessee s failure to maitai, operate or deliver the Equipmet ad Related Software as required by this Agreemet) I additio to the remedies set forth i paragraph 19.2 above, Lessor may, at its optio, recover by set off agaist bouses due to Lessee uder the Distributor Agreemet, by chargig to Lessee s credit card or otherwise, the relevat amouts Lessor s remedies shall be cumulative ad i additio to all other legal or equitable remedies. No express or implied waiver of ay Default shall waive ay later Default. Lessor s complete or partial delay i exercisig or failure to exercise ay right shall ot waive or exhaust such right or ay other right. Ay actio by Lessee agaist Lessor relatig to this Agreemet must be commeced withi oe (1) year after ay such cause of actio accrues. 21. Further Assuraces Lessee agrees that throughout the Term it will provide additioal etity documets ad execute additioal documets, ad perform further acts, as may be reasoably requested by Lessor i order to protect Lessor s right, title ad iterest i ad to the Equipmet ad Related Software ad/or to carry out the purposes of this Agreemet. 22. Assigmet Lessee ackowledges that it may ot assig or i ay way trasfer or dispose of all or part of its rights or obligatios uder this agreemet without the prior writte coset of Lessor. Lessor may assig its rights uder this agreemet at ay time. 23. Tax Beefits Lessee ackowledges that Lessor is the ower of the Equipmet ad Related Software for all tax purposes, ad as such is etitled to take all relevat depreciatio deductios. Lessee agrees that it will ot take ay depreciatio deductios, with respect to the Equipmet or Related Software. Lessor s rights uder this paragraph 22 shall survive expiratio or other termiatio of this Agreemet. For purposes of this paragraph 22, Lessor shall iclude ay group of which Lessor is a member that files a cosolidated icome tax retur. 24. Force Majeure The obligatios of Lessor hereuder shall be suspeded to the extet it is hidered or preveted from complyig therewith because of the maufacturer s iability to perform for whatever reaso, labour disturbaces (icludig strikes ad lockouts), war, riots or civil commotio, acts of God, fires, floods, explosios, storms, accidets, govermetal regulatios or iterferece or ay cause whatever beyod its cotrol. Page 6 of 12

8 25. Cofidetiality 25.1 The Lessee agrees that, durig ad after the term of this Agreemet, the Lessee shall maitai i cofidece all Cofidetial Iformatio ad shall ot disclose ay Cofidetial Iformatio to ay third party or use ay Cofidetial Iformatio for ay purpose whatsoever except as cotemplated by this Agreemet. I maitaiig the cofidetiality of Cofidetial Iformatio, the Lessee shall exercise the same degree of care that it exercises with its ow cofidetial iformatio, ad i o evet less tha a reasoable degree of care. The Lessee shall, without limitig its obligatio to maitai the Cofidetial Iformatio i cofidece, use commercially reasoable efforts to esure that each of its employees ad cotractors holds i cofidece ad makes o use of ay Cofidetial Iformatio for ay purpose other tha those permitted by this Agreemet. The Lessee shall use its best efforts to esure that o perso other tha its customers ad distributors shall have access to the Cofidetial Iformatio without the prior writte coset of the Lessor, ad shall restrict access to Cofidetial Iformatio to those havig a eed for access thereto The obligatio of cofidetiality cotaied i this Agreemet shall ot apply to the extet that (i) either party is required to disclose iformatio by order or regulatio of a govermetal agecy or a court of competet jurisdictio, provided, however, that such party shall ot, to the extet possible, make ay such disclosure without first otifyig the disclosig party ad allowig the disclosig party a reasoable opportuity to seek ijuctive relief from (or a protective order with respect to) the obligatio to make such disclosure, or (ii) the party receivig disclosed iformatio ca demostrate that (A) the disclosed iformatio was at the time of such disclosure already i, or subsequetly becomes part of, the public domai other tha as a result of actios of the receivig party, its affiliates, employees, cosultats, agets or subcotractors i violatio hereof; or (B) the disclosed iformatio was received by the receivig party o a urestricted basis from a source urelated to the disclosig party provided the receivig party has o kowledge or reaso to kow that such party is uder a duty of cofidetiality with respect to such iformatio The Lessee ackowledges ad cofirms that the Cofidetial Iformatio costitutes valuable proprietary iformatio ad trade secrets of the Lessor ad/or its affiliates ad that the uauthorised use, loss or outside disclosure of such iformatio shall cause irreparable ijury to the Lessor ad/or its affiliates. The Lessee shall otify the Lessor immediately upo discovery of ay uauthorised use or disclosure of Cofidetial Iformatio of the Lessor, ad will cooperate with the Lessor i every reasoable way to help regai possessio of such iformatio ad to prevet its further uauthorised use. The Lessee ackowledges that moetary damages may ot be a sufficiet remedy for uauthorised disclosure of the Cofidetial Iformatio ad that the Lessor shall be etitled, without waivig other rights or remedies, to such ijuctive or equitable relief as may be deemed proper by a court of competet jurisdictio, ad shall be etitled to recover reasoable attoreys fees for ay actio arisig out of or relatig to a disclosure of such Cofidetial Iformatio The Lessee shall, upo the request of the Lessor, retur to Lessor all Cofidetial Iformatio, icludig ay copies or reproductios thereof, i Lessee s possessio or cotrol. 26. Lessor ackowledges that it shall (a) reasoably provide the Lessee with cosultacy services o a gratuitous basis ad at its sole discretio i respose to the Lessee s queries o the operatio, warm-up, calibratio ad data upload of the Equipmet or the Related Software; ad (b) reasoably provide the Lessee ad their delegated operators o the operatioal traiig of the Equipmet or the Related Software. 27. Miscellaeous The rights herei grated to Lessor shall also apply to its affiliated ad subsidiary compaies. The failure of either Party to isist upo the performace of ay term or coditio of this Agreemet or to exercise ay right hereuder o oe or more occasios shall ot costitute a waiver or reliquishmet of its right to demad future performace of such term or coditio, or to exercise such right i the future. If ay term of this Agreemet is held by a court of competet jurisdictio to be ivalid or ueforceable, the this Agreemet ad such Schedule(s), icludig all of the remaiig terms, will remai i full force ad effect as if such ivalid or ueforceable term had ever bee icluded. All otices ad other commuicatios required or permitted to be give uder this Agreemet shall be trasmitted i writig to the address o the Schedule by registered post, by electroic mail, or by facsimile. Page 7 of 12

9 Master Lease ad Licesig Agreemet SCHEDULE B This Schedule is etered ito pursuat to the Master Lease ad Licesig Agreemet dated as of (the Master ) betwee Lessor, idetified below, ad Lessee, the idividual or etity idetified below. All terms ad coditios of the Master are icorporated herei, ad all capitalised terms ot otherwise defied i this Schedule shall have the meaig set forth i the Master. Lessor ad Lessee reaffirm as of the date hereof all terms, represetatios ad warraties i the Master. This Schedule shall aloe costitute the chattel paper for purposes of perfectig a security iterest. A. Equipmet, Equipmet Type ad Related Software. Persoal property ad related software as described o the attached Exhibit A, which is icorporated herei by this referece. B. Expiratio Date. Oe (1) moth from the Effective Date, uless automatically reewed for additioal oe (1) moth periods or such periods i accordace to Sectio 3 of this Agreemet. C. Retal. C.1. AU$275.00/NZ$ (iclusive of GST) per moth for the Equipmet Type of S2 Scaer as described o the attached Exhibit A; C.2. The Equipmet ad the Equipmet type are described o the attached Exhibit A. C.3. Retal subject to the Equipmet Type as described o the attached Exhibit A per moth or its equivalet, plus all Assessmets, shall be due ad payable o the seveth (7th) busiess day of each moth commecig with the first full moth followig Lessee s executio ad delivery of the Certificate of Acceptace. Each Retal paymet, ad all Assessmets, shall be payable by Lessee s credit card, which iformatio appears o Exhibit B hereto. D. Security Deposit. The amout of AU$ / NZ$ which amout is i additio to, ad shall ot be applied to, the Retal except i the evet of a Default uder this Agreemet. The Security Deposit may also be applied to other Lessee s obligatios uder this Agreemet i the evet of a Default hereuder. The Security Deposit shall be due ad payable upo the executio by Lessee of the Certificate of Acceptace, ad shall be refudable i accordace with the terms of this Agreemet. E. Credit Card Iformatio for Retals, Security Deposit, Assessmets ad Other Amouts: See Exhibit B attached hereto ad icorporated herei by this referece. F. Reewal at Expiratio. Subject to the Miimum Requiremets i paragraph 2 of Schedule A ad subject to ay other amedmets by the Lessor at its sole discretio, this Schedule shall be automatically exteded from moth to moth, i accordace with the provisios of Sectio 3, Term, of the Master which shall all be due ad payable mothly, i arrears, by valid credit card, o the same Retal Paymet Dates as uder the Iitial Term, subject to the early termiatio provisios ad terms of this Agreemet; provided, however, that the limited warraty set forth i paragraph 10 of Schedule A of the Master shall ot, as stated i such paragraph, apply to ay Reewal Term. G. Primary Locatio. The Equipmet ad Related Software shall be kept primarily at: Telephoe Number: ( ) H. Other Terms: Ay additioal terms ad coditios shall be set forth o a attached Exhibit C, which shall the be automatically icorporated herei by this referece. I witess whereof, the parties have executed this Schedule to Master Lease ad Licesig Agreemet as of this day of, 20, ad Lessee s sigatory warrats his/her authority to sig as Lessee or o Lessee s behalf. LESSOR/LICENSOR: NU SKIN ENTERPRISES AUSTRALIA OR NU SKIN ENTERPRISES NEW ZEALAND Name (prit or type): GILBERT LUM / MATT HALL /LANI ABBOTT Title: (1) LESSEE/LICENSEE: Address: (2) LESSEE/LICENSEE (IF A CORPORATION): Name of corporatio (if applicable): Title: ABN # (Australia): GST # (New Zealad): Page 8 of 12

10 EXHIBIT A TO SCHEDULE B EQUIPMENT Quatity: Vedor: NU SKIN ENTERPRISES AUSTRALIA/ NU SKIN ENTERPIRSES NEW ZEALAND Serial No(s). of Scaer S2 System(s): Serial No(s). of Dell Laptop(s): Descriptio: The term Scaer as used i this Agreemet meas: Pharmaex BioPhotoic Caroteoid Atioxidat Scaer System versio 2 (S2) (the S2 Scaer System Everest Editio ), maufactured by Pharmaex, cosistig of hardware ad software, icludig the followig: (i) oe BioPhotoic scaer which emits a blue light source; (ii) oe ecasemet which houses the light source ad spectrometer; (iii) oe Dell laptop computer (the Laptop ) (which receives the data from the optical scaer), icludig but ot limited to the processor, AC adapter, cables, liquid crystal displays (icludig a Latitude), compact disc drive, hard drive, keyboard, base, battery, memory modules, iteral modem, coectors, documetatio, ad all software provided with the Laptop or embedded therei or i ay of the foregoig Laptop compoets or accessories; (iv) all Related Software, which meas ay proprietary software developmet tools, software libraries, rederig egies, cotet ad other software or computer programmig code, icludig all program output i the form of scree displays, graphics, priter output, plotter output ad souds that are part thereof relatig to the S2 Scaer System (ad whether embedded i the S2 Scaer System or residig o the Laptop), ad i which Lessor shall retai all authorship ad owership rights, title ad iterest, subject to the licesig rights grated to Lessee uder the Agreemet; ad (v) carryig cases for the S2 Scaer System ad the Laptop, whether ay of the foregoig (i) through (v) are ow owed or hereafter acquired or developed, together with all additios, replacemets, ehacemets ad modificatios, ad all proceeds ad products thereof. The term Related Software meas ay proprietary software developmet tools, software libraries, rederig egies, cotet ad other software or computer programmig code, icludig all program output i the form of scree displays, priter output, plotter output ad souds that are part thereof relatig to the Scaer (ad whether embedded i the Scaer or residig o the laptop used therewith), that are i existece ad owed by Lessor as of the Effective Date, ad i which Page 9 of 12

11 EXHIBIT B TO SCHEDULE B Credit Card Iformatio For Lease, Security Deposit, Assessmets ad Other Amouts Primary Credit Card (tick oe): VISA MasterCard Credit Card Number (PRINT CLEARLY) CW Exp. Date / Card Holder Name as it Appears o the Credit Card Secodary Credit Card (tick oe): VISA MasterCard Credit Card Number (PRINT CLEARLY) CW Exp. Date / Card Holder Name as it Appears o the Credit Card (1) LESSEE/LICENSEE: Telephoe No.: (2) LESSEE/LICENSEE (IF A CORPORATION): Name of corporatio (if applicable): Title: ABN # (Australia): GST # (New Zealad): Page 10 of 12

12 EXHIBIT C TO SCHEDULE B - Other Terms Approved eviromets that ca make use of the Equipmet 1. The Equipmet ca be used i o-medical eviromets. 2. The Equipmet ca be used i the followig limited medical eviromets: Chiropractic Offices Detal Offices Naturopath Offices Dieticia or Nutritio Cetres Physical Therapy Offices (Physiotherapists) Ati-Agig Cliics Pharmacies Podiatrist Offices Optometrist Offices Osteopathic Physicia Offices 3. The Equipmet CAN NOT be used i the followig medical eviromet: Hospitals Medical Schools Diagostic Laboratories Emergecy Treatmet Cetres Outpatiet Surgery Cetres LESSOR/LICENSOR: NU SKIN ENTERPRISES AUSTRALIA OR NU SKIN ENTERPRISES NEW ZEALAND GILBERT LUM / MATT HALL /LANI ABBOTT Title: (2) LESSEE/LICENSEE (IF A CORPORATION): Name of corporatio (if applicable): Title: ABN # (Australia): (1) LESSEE/LICENSEE: GST # (New Zealad): Telephoe No.: Page 11 of 12

13 Master Lease ad Licesig Agreemet SCHEDULE C CERTIFICATE OF ACCEPTANCE Lessee/Licesee ( Lessee ), havig etered ito a Master Lease ad Licesig Agreemet ad a Schedule to Master Lease ad Licesig Agreemet (collectively, the Agreemet ), both dated as of, with Nu Ski Eterprises Australia Ic. / Nu Ski Eterprises New Zealad Ic.as Lessor/Licesor ( Lessor ), does hereby certify to Lessor that as to the equipmet listed i Exhibit attached hereto (the Equipmet ): 1. As evideced by this Certificate of Acceptace, Lessee ackowledges receipt, i good coditio ad satisfactory delivery ad istallatio, of all of the Equipmet ad certifies that Lessor has fully ad satisfactorily performed each ad every coveat ad coditio to be performed by it uder the Agreemet betwee Lessor ad Lessee. 2. Lessee hereby accepts the Equipmet, programmed or ot programmed (if applicable), ad waives, isofar as Lessor ad its assigees are cocered, ay reservatios as to the coditio, correctess, capability or capacity of the Equipmet or ay associated software, ad uderstads that ay shortcomigs i the Equipmet (icludig ay associated software), its operatio or programmig, without reservatio, shall ot be grouds for the withholdig of ay paymets or other amouts due or to become due uder the Agreemet. 3. The Equipmet described herei is ot beig accepted o a trial basis. I the evet decal or metal plates have bee supplied, they have bee properly affixed. 4. Lessee ackowledges that the Equipmet is of a size, desig, capacity ad maufacture selected by Lessee ad that the Equipmet is suitable for Lessee s purposes. 5. There are ad will be o lies, security iterests or ecumbraces agaist the Equipmet arisig by or through Lessee, except the iterests of Lessee ad Lessor uder the Agreemet. 6. There exists o evet of default or coditio which, but for the passig of time or givig of otice or both, would costitute a evet of default uder the Agreemet. 7. The Equipmet is persoal property ad will ot become either real property or ivetory or, without the prior writte coset of Lessor, fixtures. 8. The equipmet will be used by lessee for performig fuctios of a sales aid to promote the lessor s utritioal products or health supplemets oly. I o evet shall the equipmet be used for the lessee s persoal, family or household purposes. (1) LESSEE/LICENSEE: Telephoe No.: (2) LESSEE/LICENSEE (IF A CORPORATION): Name of corporatio (if applicable): Title: ABN # (Australia): GST # (New Zealad): Page 12 of 12 Please mail or fax completed form to: Australia: P.O. Box 116, North Ryde BC, NSW 1670 Phoe: (612) Fax: (612) New Zealad: P. O. Box , Aucklad Airport, Aucklad 2150 Phoe: (649) Fax: (649) Nu Ski Eterprises Ic

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Florida Governor Rick Scott Signs Senate Bill 408 Into Law JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

Unicenter TCPaccess FTP Server

Unicenter TCPaccess FTP Server Uiceter TCPaccess FTP Server Release Summary r6.1 SP2 K02213-2E This documetatio ad related computer software program (hereiafter referred to as the Documetatio ) is for the ed user s iformatioal purposes

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

ODBC. Getting Started With Sage Timberline Office ODBC

ODBC. Getting Started With Sage Timberline Office ODBC ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.

More information

FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND

FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND FULLY PAID MASTER SECURITIES LOAN AGREEMENT AMONG PERSHING LLC, AS BORROWER AND PERSHING LLC, AS CLEARING BROKER AND (PRINT NAME) THE LENDER (SIGNATURE OF LENDER) (DATE) ACCOUNT NUMBERS AFFECTED: (CURRENT

More information

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)

More information

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see the relevat guide below for a full descriptio of whe these amouts may be charged: Uit trasfer fee

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities

More information

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30 Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see Sectio 3 of your Safe Driver guide for a full descriptio of whe these amouts may be charged: Uit

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

PROPERTY OWNERS INSURANCE POLICY SUMMARY

PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot

More information

Death Beefits from Pacific Life

Death Beefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

How To Get A Kukandruk Studetfiace

How To Get A Kukandruk Studetfiace Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master Data Maagemet Applicatio/Package :

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

Engineering Data Management

Engineering Data Management BaaERP 5.0c Maufacturig Egieerig Data Maagemet Module Procedure UP128A US Documetiformatio Documet Documet code : UP128A US Documet group : User Documetatio Documet title : Egieerig Data Maagemet Applicatio/Package

More information

BCP ABSOLUTE RETURN BOND 16

BCP ABSOLUTE RETURN BOND 16 AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP ABSOLUTE A CAPITAL SECURE, ACTIVELY MANAGED, ABSOLUTE RETURN BOND THAT AIMS TO ACHIEVE CONSISTENT, POSITIVE RETURNS Uderlyig Fud has a exceptioal

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

BCP EQUITY INDEX BONDS

BCP EQUITY INDEX BONDS AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP EQUITY INDEX BONDS TWO CAPITAL SECURE BONDS THAT PROVIDE ACCESS TO LEADING EUROPEAN AND WORLD EQUITY INDICES Track the performace of the Fivex S&E

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

Domain 1: Identifying Cause of and Resolving Desktop Application Issues Identifying and Resolving New Software Installation Issues

Domain 1: Identifying Cause of and Resolving Desktop Application Issues Identifying and Resolving New Software Installation Issues Maual Widows 7 Eterprise Desktop Support Techicia (70-685) 1-800-418-6789 Domai 1: Idetifyig Cause of ad Resolvig Desktop Applicatio Issues Idetifyig ad Resolvig New Software Istallatio Issues This sectio

More information

Before you file pre action procedure for financial cases

Before you file pre action procedure for financial cases FAMILY COURT OF AUSTRALIA Before you file pre actio procedure for fiacial cases This brochure provides iformatio for people cosiderig applyig to the Family Court for fiacial orders. I particular, it provides

More information

Home Shield. Summary IN IRELAND

Home Shield. Summary IN IRELAND Home Shield Summary IN IRELAND Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy?

More information

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide Uit 4, Broomhill Busiess Complex, Broomhill Road, Tallaght, Dubli 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide The growig umber of workig parets i

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

Document of car Insurance. Keep me somewhere safe. car Insurance

Document of car Insurance. Keep me somewhere safe. car Insurance Documet of car Isurace Keep me somewhere safe car Isurace Welcome to lv= frizzell Thak you for choosig to purchase a LV= Frizzell Isurace policy. Your LV= Frizzell policy is uderwritte by Liverpool Victoria

More information

Ethernet Option Board

Ethernet Option Board Etheret Optio Board Assembly ad Iitializatio Guide for Addig Etheret Commuicatios to a ADP etime Timeclock Documet Part Number: 470552-00 Documet Revisio: B The iformatio i this documet is subject to chage

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim PRINTER FRIENDLY VERSION Keep me somewhere safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy.

More information

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of car isurace CAR Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is

More information

The Vehicle Warranty Products Code

The Vehicle Warranty Products Code The Vehicle Warraty Products Code Applyig to warraty admiistrators govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig What our promise meas to you 6 What

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim Documet of motor trade isurace MOTOR TRADE Isurace A guide to your cover ad how to make a claim Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle Arragig a hire motorcycle Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of motorcycle isurace motorcycle Isurace A guide to your cover ad how to

More information

Patient Enrollment Form

Patient Enrollment Form Patiet Erollmet Form 1 HEALTHCARE PROFESSIONAL (HCP) HCP Name Facility Name Address City State Zip Tel ( ) Fax ( ) HCP Email NPI# Facility Cotact(s)* * By icludig a facility cotact ame other tha the HCP,

More information

APPLICATION FORM. Henderson Investment Funds. Valid from 11 May 2015. SECTION 1 About yourself

APPLICATION FORM. Henderson Investment Funds. Valid from 11 May 2015. SECTION 1 About yourself Hederso Ivestmet Fuds APPLICATION FORM Valid from 11 May 2015 You should use this form if you wish to ivest i the Hederso Ivestmet Fuds rage. Further iformatio is cotaied i the Prospectus, the Additioal

More information

Generali Worldwide Group Health Insurance Health Insurance Application Form

Generali Worldwide Group Health Insurance Health Insurance Application Form Geerali Worldwide Group Health Isurace Health Isurace Applicatio Form Please complete all sectios i BLOCK CAPITALS or tick the boxes, where appropriate. A completed Health Isurace Applicatio is required

More information

Financial Service Guide (FSG)

Financial Service Guide (FSG) Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia

More information

AXA Car Insurance. Your policy booklet August 2008 edition

AXA Car Insurance. Your policy booklet August 2008 edition AXA Car Isurace Your policy booklet August 2008 editio Welcome to AXA Welcome to the expertise ad quality of the AXA Group Respect With over 100 years experiece, AXA is a world leader i fiacial protectio

More information

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle A like for like hire car Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim

More information

Keep me safe. Motorcycle Insurance. Policy document

Keep me safe. Motorcycle Insurance. Policy document Keep me safe Motorcycle Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded

More information

Disability Income Insurance

Disability Income Insurance Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,

More information

Configuring Additional Active Directory Server Roles

Configuring Additional Active Directory Server Roles Maual Upgradig your MCSE o Server 2003 to Server 2008 (70-649) 1-800-418-6789 Cofigurig Additioal Active Directory Server Roles Active Directory Lightweight Directory Services Backgroud ad Cofiguratio

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO ABC INSURANCE Thak you for choosig to purchase a ABC Isurace policy. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

procedure does not affect your right to take legal proceedings.

procedure does not affect your right to take legal proceedings. summary of cover CHARITY INSURANCE This isurace policy is desiged to meet the eeds of legally recogised charities or ot-for-profit orgaisatios operatig withi the Uited Kigdom. You ca choose the isurace

More information

Statement of cash flows

Statement of cash flows 6 Statemet of cash flows this chapter covers... I this chapter we study the statemet of cash flows, which liks profit from the statemet of profit or loss ad other comprehesive icome with chages i assets

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY Thak you for your iterest i the ISMA s Group Term Life Isurace product. Per your request, please fid eclosed the followig: A product brochure

More information

Pre-Suit Collection Strategies

Pre-Suit Collection Strategies Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process

More information

LEASE-PURCHASE DECISION

LEASE-PURCHASE DECISION Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis

More information

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6 Visa Busiess Cards ALLIED IRISH BANK (GB) VISA BUSINESS CARDS The Allied Irish Bak (GB) Visa Busiess Card provides a simple ad highly effective way for your busiess to moitor ad cotrol routie expeses ad

More information

AA Van Insurance policy booklet. AA Van Insurance

AA Van Insurance policy booklet. AA Van Insurance AA Va Isurace policy booklet AA Va Isurace A guide to your policy booklet Page Defiitios 2-3 Isurace services Itroductio to your Va Isurace cover 4 If you eed to make a claim 5 If you eed to complai 6

More information

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890

More information

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness.

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness. For customers Whole of Life Policy coditios Pays a lump sum o death or diagosis of a defied termial illess. Cotets Welcome to Aego 03 What we mea by you 03 Your cotract 03 Plai Eglish 03 Cotact us 03 1

More information

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?

New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance? Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい 8-4-2 (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job

More information

InventoryControl. The Complete Inventory Tracking Solution for Small Businesses

InventoryControl. The Complete Inventory Tracking Solution for Small Businesses IvetoryCotrol The Complete Ivetory Trackig Solutio for Small Busiesses Regular Logo 4C Productivity Solutios for Small Busiesses Logo Outlie Get i cotrol of your ivetory with Wasp Ivetory Cotrol the complete

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Singapore Airlines Westpac Platinum Credit Cards Concierge Services

Singapore Airlines Westpac Platinum Credit Cards Concierge Services Sigapore Airlies Westpac Platium Credit Cards Cocierge Services Effective 7 May 2009 1.0 Defiitios 5 1.1 Sigapore Airlies Westpac Platium 5 Credit Cards Cocierge Services. 1.2 Assistace Providers. 5 1.3

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier.

Life Insurance: Your Blueprint for Wealth Transfer Planning. Producer Guide to Private Split Dollar Arrangements. Your future. Made easier. Life Isurace: Your Blueprit for Wealth Trasfer Plaig Producer Guide to Private Split Dollar Arragemets These materials are ot iteded to be used to avoid tax pealties ad were prepared to support the promotio

More information

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY

84 www.newcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY 84 www.ewcastle.edu.au CRICOS Provider Code: 00109J I UoNI 2011/0025 HOW TO APPLY Applicatio procedure Prospective iteratioal studets iterested i applyig for admissio to a Uiversity of Newcastle degree

More information

summary of cover PROPERTY OWNERS INSURANCE Version 2

summary of cover PROPERTY OWNERS INSURANCE Version 2 summary of cover PROPERTY OWNERS INSURANCE Versio 2 Cotets Itroductio 3 Valuatio Service ad Iflatio Protectio Package 4 Property damage 5 Equipmet breakdow 7 Retal icome 8 Liabilities 10 Legal expeses

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

How To Pay A Car Insurance Policy In Lv

How To Pay A Car Insurance Policy In Lv FLEET INSURANCE Documet of Fleet Isurace Cotets Welcome to LV= 2 Cotract of Motor Isurace 3 Policy Cover 4 Policy Defiitio of Terms 5 Sectios 1 Liability to Others: Third Party Cover 8 2 Fire ad Theft

More information

BaanERP. BaanERP Windows Client Installation Guide

BaanERP. BaanERP Windows Client Installation Guide BaaERP A publicatio of: Baa Developmet B.V. P.O.Box 143 3770 AC Bareveld The Netherlads Prited i the Netherlads Baa Developmet B.V. 1999. All rights reserved. The iformatio i this documet is subject to

More information

Evidence requirements guide June 2016

Evidence requirements guide June 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of6 Evidece requiremets guide Jue 2016 The followig tables show our stadard documetatio requiremets for evidece. Sectio

More information

Protect your most valuable asset your ability to earn an income

Protect your most valuable asset your ability to earn an income The Fudametal Series Disability Icome Protectio Feature Summary Protect your most valuable asset your ability to ear a icome what happes if i ca t work? i ru my ow small busiess. what s ext? what would

More information