TREES AND THE LAW: AN UPDATE

Size: px
Start display at page:

Download "TREES AND THE LAW: AN UPDATE"

Transcription

1 Arbricultural Assciatin Natinal Cnference: Warwick: 20 September 2011 TREES AND THE LAW: AN UPDATE Dr Charles Mynrs FRTPI FRICS IHBC Barrister Francis Taylr Building, Temple, Lndn Material since 2002 underlined; material since 2009 underlined and in bld "Always watch where yu are ging. Otherwise, yu may step n a piece f the Frest that was left ut by mistake." Winnie the Ph OWNERSHIP The nrmal rule: trees n freehld land Trees n leasehld land: Dayani v Brmley LBC [2001] BLR 503, QBD Trees n bundaries Lemmn v Webb [1894] 3 Ch1, CA; [1895] AC 1,HL Mills v Brker [1919] 1 KB 555 (fruit) Bundary disputes: Alan Wibberley v Insley [1999] 1 WLR 894. HL; Hayccks v Neville [2007] EWCA Civ 78 (g back t riginal title deeds) Trees n highway land (Hurst v Hampshire CC [1997] 2 EGLR 164, CA) Value f trees: Lindsey v Highways Agency, 2000, LT BOUNDARY TREES Encraching rts and branches: nuisance Hunter v Canary Wharf [1997] AC 655, HL Davey v Harrw Crpratin [1958] 1 QB 60, CA (rts) Lemmn v Webb (branches) Ellitt v Islingtn LBC [1991] 1 EGLR 167, CA (trunk) Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 1

2 Strict liability: Rt damage: Remedies: Crwhurst v Amersham Burial Bard [1894] 2 QB 281 Causatin f damage: breach must cause r materially cntribute t injury (Lftus-Brigham v Ealing LBC [2003] EWCA Civ 1490, fllwed in Hilda s Mntessri Nursey v Tesc Stres [2006] EWHC 1054, QB and Eiles v Suthwark LBC [2006] EWHC 1411 (TCC)) care needed where there is mre than ne tree (Malewski v Ealing LBC [2003] EWHC 763, TCC), r ivy (Eiles) damage may be caused by remval f tree n site prir t cnstructin f huse, rather than presence f ther tree nearby (Siddiqui v Hillingdn LBC [2003] 89 Cn LR 13, TCC) Fseeability f harm (Sllway v Hampshire CC [1981] 1 EGLR 129, CA) Availability f alternative measures t avid harm Reasnableness f steps actually taken (Delaware Mansins v Westminster CC [2002] 1 AC 321, HL); Raphael v Brent LBC [2007] TCC Opprtunity t alleviate prblem (Jnes v Prtsmuth CC [2003] 1 WLR 427, CA; Kirk v Brent LBC [2005] EWCA Civ 1701) Remval f tree may cause heave: Park v Swindn BC (2011) January Abatement (Lemmn v Webb) Actin fr damages (Delaware Mansins; Eiles) Injunctin (King v Taylr [1976] 1 EGLR 132; Mills v Dunne 2007, Cty Ct) Statutry nuisance BOUNDARY HEDGES Ownership Inclsure Act awards Stantn v Jnes 1994, unreprted, CA Cmmn law remedies High Hedges: Anti-Scial Behaviur Act 2003, Part 8; regulatins; guidance Cmplaints prcedure: basis f appeals nt clear Enfrcement High Hedges Act (Nrthern Ireland) 2012 Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 2

3 HAZARDOUS TREES Nature f prblem: Tree r part that cnstitutes hazard Ptential target Natinal Tree Safety Grup recmmendatins; Draft BS 8516 (tree safety inspectin) prbably nt ging ahead Negligence caused by state f prperty: - Duty f care Owner causes it; r Arises due t neglect f duty, and nt remedied within reasnable time (Nble v Harrisn [1926] 2 KB 332) Basic rule: Dnghue v Stevensn [1932] AC 562, HL MacClancy v Carenza [2007] EWHC 479 (QB) (riding instructr nt respnsible fr lw branch) Occupiers Liability Act 1957 and 1984; Wheat v Lacn [1966] AC 552, HL Tmlinsn v Cngletn BC [2004] 1 AC, HL (liability f cuncil fr lake; nt required t cut dwn trees) Mills-Davies v RSPB 2004, QBD (nt required t remve tree stumps in nature reserve) Bwen v Natinal Trust [2011] EWHC 1992, QB (nly required t take reasnable care) Exclusin f liability (White v Blackmre) Necessary actin Inspectin (Chapman v Barking and Dagenham LBC [1997] 2 EGLR 141) Pll v Asquith 2006, QBD (level 2 inspectr is apprpriate; defect wuld have been discvered) Micklewright v Surrey CC [2011] EWCA Civ 922; Crker v Wilsn 2006, MCLC (n defect visible; n liability) Atkins v Sctt 2008, Aldersht Cty Ct (experience is key requirement) Selwyn-Smith v Gmpels [2009] Swindn Cty Curt (relevance f wner s means) Risk assessement (Caminer v Nrthern & Lndn Investment Trust [1951] AC 88, HL) - Shirvell v Hackwd Estates [1938] 2 All ER 1, CA - Knight v Hext [1980] 1 EGLR 111, CA - Bwen v Natinal Trust [2011] EWHC 1992, QB (zning) Amenity v safety: Quinn v Sctt [1964] 1 WLR 1004 Duty f care: Dayani v Brmley LBC [2001] BLR 503, QBD Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 3

4 Need t gather evidence after incident : Micklewright v Surrey CC [2011] EWCA Civ but sympathy nt enugh Lcal Gvernment (Miscellaneus Prvisins) Act 1976, sectins 23, 24 Liability under Health and Safety at Wrk Act 1974: R v Birmingham City Cuncil 2002, Crwn Curt HIGHWAYS AND STATUTORY UNDERTAKERS Highways Act 1980: sectins 96, 130, 154, 79 Stvin v Wise [1996] AC 323, HL LE Jnes v Prtsmuth [2003] 1 WLR 427, CA (liability f highway authrity) Rke v Listn 1999, CA (trees bscuring lighting) Thmpsn v Hampshire CC [2004] EWCA Civ 1016 (tree bstructing path) Spencer v Wirral MBC Liverpl Cunty Curt, 2008 (tree rt) Lndn Lcal Authrities and TfL Act 2008, s 10 (verhanging trees) Electricity Act 1989, Schedule 4 PROFESSIONAL ADVICE Standard f care in giving advice: Beatn v Natinwide BS [1991] 2 EGLR Charltn v Nrthern Structural Services Ltd [2008] EWHC 66 (TCC) (heave) WORKS TO TREES Felling licenses; cnsent under TPO; ntificatin in cnservatin area Faculty fr wrks in churchyards (Faculty Prcedure Rules 2000) Envirnmental impact assessment: EIA (Frestry) Regulatins R (Tree & Wildlife Actin Cmmittee) v Frestry Cmmissiners [2007] EWHC 1623 Admin (necessary t cnsider impact f whle prject, nt just defrestatin) Wildlife and habitats: Wildlife and Cuntryside Act 1981, Part I (inc birds, nests, eggs) Eurpean Prtected species (including bats) - Cnservatin (Natural Habitats etc) Regulatins 1994 (still applies in Sctland); - replaced by Cnservatin (Habitats and Species ) Regulatins 2010 (E&W) (remves incidental resultf lawful peratin defence) - R (Mrge) v Hampshire CC [2011] 268, SC Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 4

5 Care in carrying ut wrks: General duty f care Health and Safety at Wrk Act 1974; numerus regulatins Wrking at Height Regulatins 2005 Lifting Operatins and Lifting Equipment Regulatins 1998 (LOLER) Salsbury v Wdland [1970] 1 QB] 324, CA; Bttmley v Tdmrden Cricket Club [2003] EWCA Civ 1575 (extra hazardus activities) Kyn v Dept f Transprt 2001, QBD (felling highway tree) Damages fr trespass: Cst f reinstatement: Jrdan v Nrflk CC [1994] 1 WLR 1353; Scutt v Lmax, 2000, CA; Bryant v Macklin, 2005, CA. Theft, criminal damage FORESTRY Duties f Frestry Cmmissin (R (Kanssen) v DEFRA) [2005] EWHC 1024 (Admin)) - Regulatry Refrm (Frestry) Order 2006 Plant health: Plant Health (Frestry) Order 2005, amended in 2006, 2008, Plant Health (Fees) Frestry) Regulatins 2006, amended in Frest Reprductive Material Regulatins 2002, amended in 2006 UK Frestry Standard (Octber 2012) FELLING LICENCES Needed fr felling (including killing by ther means): Frestry Act 1967 Exemptins: sectin 9 (burden n defendant t prve: R (Grundy & C) v Haltn Divisin Magistrates [2003] EWHC Admin) - small scale - rchards, gardens, churchyards, pen spaces (McInerney v Prtland Prt Ltd [2001] 1 PLR 104; Rckall v DEFRA [2008] EWHC 2408 (Admin)) - t prevent a danger - t prevent r abate a nuisance (Perrin v Nrthamptn [2008] CA) - authrised by ther prcedures; t carry ut develpment - by statutry undertakers - in accrdance with a plan Applicatin made t Frestry Cmmissin Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 5

6 Cmpensatin: sectin 11 Unauthrised felling: prsecutin Restcking ntices: prsecutin nt needed: Regulatry Refrm (Frestry) Order 2006 TREES AND DEVELOPMENT Material cnsideratin in planning decisins - May be crucial (Ple v Secretary f State [2008] EWHC 676 Admin) - BS 5837: 2005 (being updated) Cnditins t prtect trees APN 12 SPECIAL TREES Ancient Wdlands (Winter v Secretary f State [2006] EWHC 491 Admin) Histric landscapes, parks and gardens Veteran trees (mentined in NPPF) Cnservatin areas Tree preservatin rders Trees in churchyards (need faculty) TREE PRESERVATION ORDERS Twn and Cuntry Planning Act 1990, sectins 198 t t be amended by Planning Act 2008, sectins 192, 193 (maybe frm April 2012) - Twn and Cuntry Planning (Trees) (England) Regulatins (t be intrduced) - all rules will be in Regulatins, nt Act r rder - all TPOs, whenever made, will in effect be pst-1999 Tree Preservatin Orders: a Guide t the Law and Gd Practice (blue bk): DETR, 2000, amended in 2008: maybe updated Making rder: amenity and expediency Twn and Cuntry Planning (Trees) Regulatins amended in 2008 (England nly) Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 6

7 Trees, areas, grups, wdlands - Area rders: Rbinsn v East Riding f Yrkshire [2003] 4 PLR 1, CA Definitin f tree Bullck v Secretary f State (1980) 40 P&CR R (Plimsll Shaw) v Three Rivers DC [2007] EWHC 1290 Admin; Palm Develpments v Secretary f State [2009] 2 P&CR 16, QB (wdlands) - R (Fwler) v Ealing LBC [2004] EWHC 2860 (shrubs) Cnfirmatin f rder - Gilman v Rutland DC [2004] EWHC 2792 Admin [2005] JPL 970; Hbbs v Hrsham DC [2006] EWHC 1605 [2007] JPL 589 (Reprt must be fair) - R (Aspdin) v Derby CC [2005] EWHC 591 (Admin); Wilksn v Kensingtn and Chelsea RBC [2010] JPL 1083 (prcedural irregularities) High Curt challenge N right t cmpensatin: (Casey v Canterbury CC 1995, LT) Nt a breach f human rights (R (Brennn) v Brmsgrve DC [2003] 4 PLR 12, QBD) OTHER PARTS OF BRITISH ISLES Twn and Cuntry Planning (Sctland) Act 1997, sectins , amended by Planning etc (Sctland) Act 2006, s 28 Twn and Cuntry Planning (TPO and Trees in Cnservatin Areas) (Sctland) Regulatins 2011 Scttish Planning Circular 1/2011 Planning Act (Nrthern Ireland) 2011 Planning (Trees) Regulatins (Nrthern Ireland) 2003 (amended in 2007) Planning and Develpment Act 2000 (Ireland) NEED FOR CONSENT UNDER THE ORDER Cutting dwn, tpping, lpping, uprting, wilfully damaging, wilfully destrying a tree Causing r permitting wrks (R v Burnemuth JJ ex p Burnemuth Crpn (1970) 21 P&CR 163; Grveside Hmes v Elmbridge BC [1987] 2 EGLR 199) Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 7

8 Exemptins in s 198: Dying, dead, and dangerus trees (Smith v Oliver [1989] 2 PLR 1) need t plant replacement Wrks t cmply with statutry bligatin Wrks necessary t prevent r abate a nuisance (Perrin v Nrthamptn [2008] 1 WLR 1307, CA, verturning [2007] 1 All ER 481) Frestry peratins Exemptin in the rder: may include pure encrachment nly exempts wrks necessary t abate Wrks by statutry undertakers Wrks needed t carry ut develpment Fruit trees (R v Clearbrk Grup PLC [2001] 4 PLR 78, CA) Need fr cnsent in dubtful cases: applicatin needed (Chambers v Guildfrd BC [2008] JPL 1459) All exemptins will be in the Regulatins - will prbably retain exemptins fr wrks t dead trees and t abate nuisance; but nt fr wrks t dying trees, but will retain APPLICATIONS FOR CONSENT 1999 Regs, amended in 2008 (standard applicatin frm, appeal prcedure) - infrmatin must be supplied with applicatin (eg mnitring infrmatin) Cnservatin area designatin is relevant Appeals and hearings High Curt challenges COMPENSATION Pre 1999 rders - Trees f utstanding r special amenity value: article 5 certificates Pst 1999 rders (and in future all rders, whenever made): - n claim fr lst land value - n claim based n infrmatin supplied pst-applicatin - need fr evidence (Duncan v Epping Frest DC [2004] RVR 213, 275); Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 8

9 - Wdhams v Chichester DC, N article 5 certificate Lss must be freseeable (Bell v Canterbury CC) Duty n claimant t mitigate Refrmatin f Lands Tribunal (nw Lands Chamber f Upper Tribunal) UNAUTHORISED WORKS Strict liability ffence Sectin 210(1): death r destructin Sectin 210(4): ther wrks - Lauder v Brmsgrve DC [2008] EWHC 2303 Admin (tree surgen in errr) Injunctins (Kirklees BC v Brk) Need t plant replacement CONSERVATION AREAS Twn and Cuntry Planning Act 1990, ss 211 t 214 (t be amended by 2008 Act) - Need fr six weeks ntice - Exceptins: as fr TPOs, plus small trees HEDGEROWS REGULATIONS 1997 Remval ntices Imprtant hedgerws Retentin ntices Frthcming changes Francis Taylr Building September 2011 Arbricultural Assciatin Cnference 2011: Paper by Charles Mynrs: Page 9

Guidance Notes for: When to use this form

Guidance Notes for: When to use this form Guidance Ntes fr: Applicatin fr Tree Wrks: Wrks t Trees Subject t a Tree Preservatin Order (TPO) and/r Ntificatin f Prpsed Wrks t Trees in Cnservatin Areas (CA) Twn and Cuntry Planning Act 1990 When t

More information

Electronic Communication

Electronic Communication Applicatin fr Tree Wrks: Wrks t Trees Subject t a Tree Preservatin Order (TPO) and/r Ntificatin f Prpsed Wrks t Trees in Cnservatin Areas (CA) Twn and Cuntry Planning Act 1990 Electrnic Cmmunicatin If

More information

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

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

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY THE CHALLENGES FACING THE MEDICAL PROFESSION ARISING OUT OF THE HIGH COST OF PROFESSIONAL MEDICAL INDEMNITY INSURANCE AND HOW THESE CHALLENGES ARE BEING MET JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY

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

Draft for consultation

Draft for consultation Draft fr cnsultatin Draft Cde f Practice n discipline and grievance May 2008 Further infrmatin is available frm www.acas.rg.uk CONSULTATION ON REVISED ACAS CODE OF PRACTICE ON DISCIPLINE AND GRIEVANCE

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

Data Protection: Regulating Cyber Security. Jonathan Bamford Head of Strategic Liaison

Data Protection: Regulating Cyber Security. Jonathan Bamford Head of Strategic Liaison Data Prtectin: Regulating Cyber Security Jnathan Bamfrd Head f Strategic Liaisn Hw des DP regulatin affect cyber security? Data Prtectin Act 1998: apprpriate security Privacy and Electrnic Cmmunicatin

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

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

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

Process for Responding to Privacy Breaches

Process for Responding to Privacy Breaches Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident

More information

PRIOR APPROVAL. David Richardson, Partner, Ashfords LLP. May 2016

PRIOR APPROVAL. David Richardson, Partner, Ashfords LLP. May 2016 PRIOR APPROVAL David Richardsn, Partner, Ashfrds LLP May 2016 Speakers David Richardsn Partner, Planning Ashfrds LLP Planning Team: 5 partners, 9 fee earners Full service planning team Prir Apprval d.richardsn@ashfrds.c.uk

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

HOA Document Preservation HOA Records

HOA Document Preservation HOA Records HOA Dcument Preservatin HOA Recrds What is Cnsidered a Recrd Emails between bard members? Tape recrdings f bard meetings? Owner email addresses? Electrnic ntices? Management Sftware? Manager s Recrds?

More information

nbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents.

nbn is committed to identifying hazards, preventing workplace accidents and minimising dangerous health safety and environment incidents. Incident & Hazard Reprting Overview At nbn we are safe, disciplined and reliable. nbn is cmmitted t preventing injury, illness and envirnmental harm by prviding a safe and healthy wrking envirnment fr

More information

CUSTOMER SERVICE CHARTER

CUSTOMER SERVICE CHARTER CUSTOMER SERVICE CHARTER LAST REVIEW September 2010 Plicy 1.6 NEXT REVIEW September 2012 MINUTE REF GF74/5-10 POLICY STATEMENT: 1.1 We are cmmitted t the timely, efficient, and cnsistent delivery f a range

More information

GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2

GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2 GP WIND DELIVERABLE D2.2 STAKEHOLDERS QUESTIONNAIRE WP2 Prject Name: GP WIND Gd Practice in recnciling nshre and ffshre wind with envirnmental bjectives Prject Duratin: 24 mnths (August 2010 July 2012)

More information

A Guide to UK Patent Litigation. Myles Jelf, Partner, Bristows LLP

A Guide to UK Patent Litigation. Myles Jelf, Partner, Bristows LLP A Guide t UK Patent Litigatin Myles Jelf, Partner, Bristws LLP Timeline f a UK patent actin Issue prceedings Trial Claimant t apply fr directins/ CMC Reply and Defence t CC Case Management Cnference Ntices

More information

Insurance Toolkit for Landcare Groups in NSW P a g e 1

Insurance Toolkit for Landcare Groups in NSW P a g e 1 Insurance Tlkit fr Landcare Grups in NSW P a g e 1 FOREWARD This tlkit has been prepared t prvide guidance n insurance issues relating t Landcare grups in New Suth Wales. This kit is nt regarded as legal

More information

CPD Working Group. EPAQ congress Rome 22-23/09/2011 --------------- Construction Products Regulation

CPD Working Group. EPAQ congress Rome 22-23/09/2011 --------------- Construction Products Regulation Cuncil f Eurpean Prducers f Materials fr Cnstructin Cnseil Eurpéen des Prducteurs de Matériaux de Cnstructin Vereinigung Eurpäischer Baustffhersteller GA 08-0AB CPD Wrking Grup EPAQ cngress Rme 22-23/09/2011

More information

E-ALERT Financial Institutions

E-ALERT Financial Institutions E-ALERT Financial Institutins BEIJING BRUSSELS LONDON NEW YORK SAN DIEGO SAN FRANCISCO SILICON VALLEY WASHINGTON www.cv.cm March 19, 2010 SENATE FINANCIAL REFORM LEGISLATION ADDRESSES PROPRIETARY TRADING

More information

Quality Area 7: Leadership and Service Management

Quality Area 7: Leadership and Service Management 1/5 Quality Area 7: Leadership and Service Management Children s Services Guiding Principles Electrnic Archiving Plicy Review Date: Octber 2015 Intrductin Within the Children s Services sectin there are

More information

Employees - recruitment, records and monitoring

Employees - recruitment, records and monitoring Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,

More information

The chief executive officer and the chief finance officer are ex-officio members of the board.

The chief executive officer and the chief finance officer are ex-officio members of the board. DATATEC LIMITED BOARD CHARTER / TERMS OF REFERENCE 1. CONSTITUTION The primary bjective f the Cmpany s Bard Charter is t set ut the rle and respnsibilities f the Bard f Directrs ( the Bard ) as well as

More information

Subdivision Application Guide An Introduction to the Subdivision Process

Subdivision Application Guide An Introduction to the Subdivision Process Subdivisin Applicatin Guide An Intrductin t the Subdivisin Prcess This infrmatin brchure prvides a general verview f Delta s subdivisin review prcess. This brchure is nt a legal dcument and the wrding

More information

Customer Services: e-mail: Our Ref:

Customer Services: e-mail: Our Ref: 3/18 Eagle Wing Temple Quay Huse 2 The Square Bristl, BS1 6PN Custmer Services: e-mail: 0303 444 5000 NWWFCnnectin@pins.gsi.gv.uk Ms C Duffy Envirnmental Planning SP Energy Netwrks 3 Prentn Way Prentn

More information

Tree Permit Process Intake: (A) (B) (C) (D) (A combination of checklists may be applicable depending on the scope of work) Review:

Tree Permit Process Intake: (A) (B) (C) (D) (A combination of checklists may be applicable depending on the scope of work) Review: Tree Permit Prcess Intake: 1. Applicants may btain the Tree Permit Applicatins frm the Envirnmental Resurces Divisin in the Planning and Zning Department lcated at 444 SW 2 nd Avenue, 3 rd Flr, Miami,

More information

REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance, Business & Financial Affairs Policy Committee Reilly Cooper SUMMARY ANALYSIS

REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance, Business & Financial Affairs Policy Committee Reilly Cooper SUMMARY ANALYSIS HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: HB 903 Wrkers' Cmpensatin Attrney's Fees SPONSOR(S): Flres and thers TIED BILLS: IDEN./SIM. BILLS: REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance,

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

LINCOLNSHIRE POLICE Policy Document

LINCOLNSHIRE POLICE Policy Document LINCOLNSHIRE POLICE Plicy Dcument 1. POLICY IDENTIFICATION PAGE POLICY TITLE: ICT CHANGE & RELEASE MANAGEMENT POLICY POLICY REFERENCE NO: PD 186 POLICY OWNERSHIP: ACPO Cmmissining Officer: Prtfli / Business-area

More information

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT Plicy Number: 2.20 1. Authrity Lcal Gvernment Act 2009 Lcal Gvernment Regulatin 2012 AS/NZS ISO 31000-2009 Risk Management Principles

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

Conservation Easements: A Step by Step Guide

Conservation Easements: A Step by Step Guide Land & Water Cnservatin Prgram Cnservatin Easements: A Step by Step Guide PRELIMINARY STEPS: Step 1: Landwner expresses interest in land cnservatin. Step 2: Discuss the land with the landwner and cnduct

More information

Guide to TEMPORAY AGENCY WORKERS RIGHTS

Guide to TEMPORAY AGENCY WORKERS RIGHTS Davies and Partners Slicitrs Guide t TEMPORAY AGENCY WORKERS RIGHTS Latham Huse 135 Aztec West Rwan Huse 57 Queen Anne Street 33-34 Paradise Street Almndsbury Barnett Way Lndn Birmingham Bristl Barnwd

More information

RATIONALE TERMS OF REFERENCE FOR THE QUALITY COMMITTEE UNDER THE EXCELLENT CARE FOR ALL ACT. Authority

RATIONALE TERMS OF REFERENCE FOR THE QUALITY COMMITTEE UNDER THE EXCELLENT CARE FOR ALL ACT. Authority RATIONALE With the intrductin f the Excellent Care fr All Act, hspital bards must nw have a quality cmmittee that reprts t the bard. The template prvides sample terms f references fr rganizatins t adapt

More information

1.0 Purpose This document prescribes requirements for work health and safety (WHS) incident reporting, investigation and corrective action.

1.0 Purpose This document prescribes requirements for work health and safety (WHS) incident reporting, investigation and corrective action. WHS INCIDENT REPORTING AND INVESTIGATION PROCEDURE [WHS.06] 1.0 Purpse This dcument prescribes requirements fr wrk health and safety (WHS) incident reprting, investigatin and crrective actin. Definitins

More information

Plus500CY Ltd. Statement on Privacy and Cookie Policy

Plus500CY Ltd. Statement on Privacy and Cookie Policy Plus500CY Ltd. Statement n Privacy and Ckie Plicy Statement n Privacy and Ckie Plicy This website is perated by Plus500CY Ltd. ("we, us r ur"). It is ur plicy t respect the cnfidentiality f infrmatin and

More information

Maritime and Coastguard Agency LogMARINE INFORMATION NOTE. Revalidating a Certificate of Competency: New Requirements for Masters and Officers

Maritime and Coastguard Agency LogMARINE INFORMATION NOTE. Revalidating a Certificate of Competency: New Requirements for Masters and Officers Maritime and Castguard Agency LgMARINE INFORMATION NOTE MIN 494 (M) Revalidating a Certificate f Cmpetency: New Requirements fr Masters and Officers Ntice t all wners, peratrs, managers, Masters (STCW)

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

Terms of Reference for the Fire Review Panel

Terms of Reference for the Fire Review Panel Terms f Reference fr the Fire Review Panel Purpse The Fire Review Panel (the Panel) is appinted t prvide independent advice t the Minister f Internal Affairs (the Minister) abut hw the Gvernment can achieve:

More information

Smart Rainy Day Planning: Key Considerations in Coordinating and Maximizing Insurance Funding for CAT Loss Recovery

Smart Rainy Day Planning: Key Considerations in Coordinating and Maximizing Insurance Funding for CAT Loss Recovery Smart Rainy Day Planning: Key Cnsideratins in Crdinating and Maximizing Insurance Funding fr CAT Lss Recvery A Presentatin at the Natinal Assciatin f Insurance Cmmissiners Prperty & Casualty Insurance

More information

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd.

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd. Cmmittee: Date(s): Infrmatin Systems Sub Cmmittee 11 th March 2015 Subject: Agilisys Managed Service Financial Reprt Reprt f: Chamberlain Summary Public Fr Infrmatin This reprt prvides Members with an

More information

Flashing Amber Lamp Application, Permit and Device Information

Flashing Amber Lamp Application, Permit and Device Information British Clumbia Ministry f Transprtatin & Infrastructure Cmmercial Vehicle Safety & Enfrcement Vehicle Inspectins & Standards Prgram Updated: March 2012 Flashing Amber Lamp Applicatin, Permit and Device

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

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION

CONSTRUCTION INDUSTRIES & MANUFACTURED HOUSING DIVISION New Mexic Regulatin and Licensing Department 2550 Cerrills Rad Santa Fe, NM 87505 Ph (505) 476-4700 Fax (505) 476-4685 INSTRUCTIONS FOR FILING A COMPLAINT Thank yu fr cntacting The New Mexic Regulatin

More information

PENETRATION TEST OF THE INDIAN HEALTH SERVICE S COMPUTER NETWORK

PENETRATION TEST OF THE INDIAN HEALTH SERVICE S COMPUTER NETWORK Department f Health and Human Services OFFICE OF INSPECTOR GENERAL PENETRATION TEST OF THE INDIAN HEALTH SERVICE S COMPUTER NETWORK Inquiries abut this reprt may be addressed t the Office f Public Affairs

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

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

Directors' And Officers' Liability

Directors' And Officers' Liability Directrs' And Officers' Liability (Last Revised January, 2005) The fllwing is intended fr general infrmatin nly, regarding sme f the issues relating t purchasing a business in Saskatchewan. We advise yu

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

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

TYPE OF ASSISTANCE TYPE OF PROPERTY HAZARD REDUCTION REQUIREMENT. Multifamily property constructed before 1960. Constructed after 1959 and before 1978

TYPE OF ASSISTANCE TYPE OF PROPERTY HAZARD REDUCTION REQUIREMENT. Multifamily property constructed before 1960. Constructed after 1959 and before 1978 HUD Federally-Assisted Lead-Based Paint Final Rule HUD has released the final rule n lead paint hazard reductin in federally assisted husing. The rule applies t all types f federal assistance -- including

More information

New Hampshire. Address: New Hampshire Real Estate Commission 64 South Street Concord, NH 03301-3670

New Hampshire. Address: New Hampshire Real Estate Commission 64 South Street Concord, NH 03301-3670 New Hampshire Gverning Agency New Hampshire Real Estate Cmmissin Website: http://www.nh.gv/nhrec/ Address: New Hampshire Real Estate Cmmissin 64 Suth Street Cncrd, NH 03301-3670 Telephne N.: (603) 271-2701

More information

Directives to LHINs in respect of Reporting Requirements under the BPSAA. Issued By Minister of Health and Long-Term Care

Directives to LHINs in respect of Reporting Requirements under the BPSAA. Issued By Minister of Health and Long-Term Care Directives t LHINs in respect f Reprting Requirements under the BPSAA Issued By Minister f Health and Lng-Term Care Effective April 1, 2011 Table f Cntents 1. BACKGROUND... 2 2. REPORT ON THE USE OF CONSULTANTS...

More information

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000

More information

JOB DESCRIPTION. Technical Support Officer. Environment & Sustainable Communities. Environmental Services. September 2015

JOB DESCRIPTION. Technical Support Officer. Environment & Sustainable Communities. Environmental Services. September 2015 JOB DESCRIPTION JOB TITLE: DIRECTORATE: SECTION: GRADE: DATE PREPARED: REPORTS TO: Technical Supprt Officer Envirnment & Sustainable Cmmunities Envirnmental Services BBCU06 September 2015 Service Manager

More information

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents 1 Small Business, Enterprise and Emplyment Bill: Inslvency fact sheets Cntents Directr Disqualificatin and Inslvency General Aims... 2 Administratin: sales t cnnected persns (prepack administratins)...

More information

IFRS Discussion Group

IFRS Discussion Group IFRS Discussin Grup Reprt n the Public Meeting February 26, 2014 The IFRS Discussin Grup is a discussin frum nly. The Grup s purpse is t assist the Accunting Standards Bard (AcSB) regarding issues arising

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

Whenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap.

Whenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap. Liability Briefing updated Octber 2008 Managing liability thrugh financial caps 26 Stre Street Lndn WC1E 7BT Tel: 020 7399 7400 Fax: 020 399 7425 Every well-run business must manage the risks that it faces

More information

Hearing Loss Regulations Vendor information pack

Hearing Loss Regulations Vendor information pack Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced

More information

Handling professional conduct complaints against doctors

Handling professional conduct complaints against doctors Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Avant supprts: à a natinally cnsistent apprach t

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

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

SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG

SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG SETTING UP A SYNDICATE SERVICE COMPANY IN HONG KONG 2012 2 Disclaimer This is fr reference nly and is nt cnsidered t be legal advice. Whilst all care has been taken t ensure the accuracy f the infrmatin

More information

F.A.C.E. INVESTIGATION REPORT

F.A.C.E. INVESTIGATION REPORT F.A.C.E. INVESTIGATION REPORT Fatality Assessment and Cntrl Evaluatin Prject FACE #94-NJ-066-01 Tree Trimmer Electrcuted While Trimming a Tree New Jersey Department f Health and Senir Services Occupatinal

More information

If I am arrested, does this mean that I am considered guilty of a criminal offence?

If I am arrested, does this mean that I am considered guilty of a criminal offence? What is cnsidered a crime in Canada? Mst criminal acts in Canada are listed and defined in the Criminal Cde f Canada. Hwever, sme are als listed in ther laws, such as the Cntrlled Drugs and Substances

More information

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 The Manitba Securities Cmmissin (the Cmmissin) is a divisin f the Manitba Financial Services Agency (MFSA). The ther divisin is the Financial Institutins

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

COUNTRY REPORT: Sweden

COUNTRY REPORT: Sweden COUNTRY REPORT: Sweden Prepared by: SP Technical Research Institute f Sweden Versin 2.0 Date: April 19, 2011 Address: Bx 857, SE-501 15 Brås, Sweden Tel. : +46 10 516 56 62 Fax : +46 33 13 19 79 E-mail:

More information

DALBAR Due Diligence: Trust, but Verify

DALBAR Due Diligence: Trust, but Verify BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can

More information

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission Our ref: Accident Cmpensatin / Trt Law Cmmittee 22 March 2013 The Research Directr Finance and Administratin Cmmittee Parliament Huse Gerge Street BRISBANE QLD 4000 Dear Research Directr By email: fac@parliament.qld.gv.au

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

MILNBANK PROPERTY SERVICES LTD WRITTEN STATEMENT OF FACTORING SERVICES

MILNBANK PROPERTY SERVICES LTD WRITTEN STATEMENT OF FACTORING SERVICES MILNBANK PROPERTY SERVICES LTD WRITTEN STATEMENT OF FACTORING SERVICES INTRODUCTION These are the terms and cnditins fr the prvisin f a factring service t wner ccupiers by Milnbank Prperty Services Limited,

More information

Contractor Focus Legal View From Dundas & Wilson on Commonly Asked Construction Contract Questions

Contractor Focus Legal View From Dundas & Wilson on Commonly Asked Construction Contract Questions Cntractr Fcus Legal View Frm Dundas & Wilsn n Cmmnly Asked Cnstructin Cntract Questins 1. Des the level f my PI insurance cap my financial liability under the cntract? I was recently asked this questin

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

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type:

There are a number of themed areas for which the Council has responsibility, and each of these is likely to generate debts of a specific type: Wiltshire Cuncil Crprate Debt Recvery Plicy: 29102010 WILTSHIRE COUNCIL CORPORATE DEBT RECOVERY POLICY 1. Intrductin The Cuncil raises a significant prprtin f its ttal incmes thrugh lcal taxes and charges,

More information

Corporate Debt Policy

Corporate Debt Policy Crprate Debt Plicy Versin 4 December 2015 Review date December 2017 Crprate Debt Plicy Plicy statement Crby Brugh Cuncil is cmmitted t the effective and efficient recvery f mnies wed in rder t maximise

More information

Trustee Corporations Association of Australia

Trustee Corporations Association of Australia Submissi~rn N. Date Received LA-cA Trustee Crpratins Assciatin f Australia Submissin t Huse f Representatives Legal and Cnstitutinal Affairs Cmmittee Inquiry int Older Peple and the Law Nvember 2006 Older

More information

Tradesman Policy Summary Tradesman Insurance Policy Summary 11.2015

Tradesman Policy Summary Tradesman Insurance Policy Summary 11.2015 Plicy Summary This dcument prvides a summary nly f the significant aspects f cver (including restrictins) prvided by ur standard Tradesman Plicy. Fr full details, please refer t the Plicy itself which

More information

Directives to Hospitals in respect of Reporting Requirements under the BPSAA

Directives to Hospitals in respect of Reporting Requirements under the BPSAA DRAFT Directives t Hspitals in respect f Reprting Requirements under the BPSAA Issued By Minister f Health and Lng-Term Care Effective April 1, 2011 DRAFT March 28, 2011 Table f Cntents 1. BACKGROUND...

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

False Claims Act. False Claims Act Provides:

False Claims Act. False Claims Act Provides: False Claims Act Michael A. Hirst, Esq. Hirst & Chanler LLP 455 Capitl Mall, Suite 605 Sacrament, CA 95814 (916) 443-6100 michael.hirst@hirst-chanler.cm False Claims Act Prvides: A persn wh knwingly submits

More information

FINANCE SCRUTINY SUB-COMMITTEE

FINANCE SCRUTINY SUB-COMMITTEE REPORT FOR: PERFORMANCE AND FINANCE SCRUTINY SUB-COMMITTEE Date f Meeting: 6 January 2015 Subject: Staff Survey and Sickness Absence Mnitring Results and Actin plans Respnsible Officer: Scrutiny Lead Member

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

Conventional Condominium Policy

Conventional Condominium Policy Cnventinal Cndminium Plicy www.newleafwhlesale.cm Overview NewLeaf will riginate and fund mrtgage lans secured by units in cndminium prjects that meet FNMA/FHLMC/ NewLeaf eligibility criteria. Cndminium

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

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

17 Construction environmental management plan (CEMP)

17 Construction environmental management plan (CEMP) 17 Cnstructin envirnmental management plan (CEMP) Bur Happld Cntents 17 Cnstructin Envirnmental Management Plan (CEMP) 17-1 17.1 Intrductin 17-1 17.2 Intrductin t EMS 17-1 17.2.1 Plicy 17-2 17.2.2 Planning

More information

Template on written coordination and cooperation arrangements of the supervisory college established for the Group/ Institution

Template on written coordination and cooperation arrangements of the supervisory college established for the <XY> Group/<A> Institution COORDINATION AND COOPERATION ARRANGEMENTS EBA/RTS/2014/16 EBA/ITS/2014/07 Annex II Template n written crdinatin and cperatin arrangements f the supervisry cllege established fr the Grup/ Institutin

More information

Annex 01 Recommendation #1: Establishing an Empowered Community for Enforcing Community Power

Annex 01 Recommendation #1: Establishing an Empowered Community for Enforcing Community Power Annex 01 - Recmmendatin #1 Annex 01 Recmmendatin #1: Establishing an Empwered Cmmunity fr Enfrcing Cmmunity Pwer 1. Summary Under Califrnia law and the current Bylaws f the Internet Crpratin fr Assigned

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

seller property questionnaire addendum

seller property questionnaire addendum seller prperty questinnaire addendum This is a frm created by the San Dieg Assciatin f REALTORS and as such is nt cvered by the C.A.R. User Prtectin Agreement. This frm is intended fr use primarily in

More information

Internal Audit Charter and operating standards

Internal Audit Charter and operating standards Internal Audit Charter and perating standards 2 1 verview This dcument sets ut the basis fr internal audit: (i) the Internal Audit charter, which establishes the framewrk fr Internal Audit; and (ii) hw

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