LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014"

Transcription

1 LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY March 2014 PREPARED BY NELLIS LAW CENTER, 4428 England Ave (Bldg 18), Nellis AFB, Nevada , Appt. Line If yu rent prperty yu suspect may g int freclsure, there are resurces yu may use t verify the freclsure. One f thse resurces includes the Clark Cunty Assessr website lcated at Once n the website, click PROPERTY RECORD SEARCH which allws yu t search by parcel number, wner name, r address. Yu can get infrmatin n the prperty, including the exact address and parcel number. Yu will need this infrmatin when yu g t the Clark Cunty recrder website at This website will give yu detailed infrmatin regarding the prperty, including any actins pending against it. Fr mre infrmatin, cntact the Recrder s Office at (702) In additin, a renter can place a freclsure clause in their lease requiring a landlrd wh is delinquent in mrtgage payments t ntify the tenant f the delinquency and allw the tenant t cancel the cntract (see example belw). CURRENT NEVADA LAW: Under previus Nevada state law, if yu are renting a dwelling unit which is freclsed upn, yu culd be served with a ntice requiring yu t leave within 3 days. If yu did nt leave, the new wner culd file an evictin actin against yu. This law, hwever, has been replaced by federal law see Helping Families Save Their Hme Act f 2009, belw. Starting 01 Octber 2009, Nevada law allws yu t mve at any time after the wner has received a ntice f default and electin t sell. HELPING FAMILIES SAVE THEIR HOMES ACT OF 2009, P.L President Obama signed this bill int law n May 20, The bill includes a natinwide 90 day pre-evictin ntice requirement fr tenants in freclsed prperties. Belw are cmmn questins and answers n the law. This infrmatin can als be fund at 1

2 Can the persn, bank r ther institutin wh buys the building at freclsure make me leave right away? N. The new wner needs t end yur tenancy by giving yu a ntice t leave f at least 90- days. If yu have an unexpired lease, yu may be able t stay until the end f the lease. What can I d if the new wner says I have t leave in less than 90 days? Yu can send a letter telling the new wner abut the law. See the sample letters at the end f this handut. Keep a cpy f the letter yu send. It may help t g t the pst ffice and pay fr a return receipt t make the new wner sign t prve they gt yur letter. If yu get a green receipt signed by the new wner in the mail, save it. Yu must als ffer t pay the new wner yur rent and live up t the ther terms f yur lease. What can I d if the new wner serves me with a ntice t leave within 3 days? Yu shuld cntact a lawyer immediately. Refer t the Legal Brief n Lawyer Referral Services fr further infrmatin n hw t cntact a lawyer. If yu unable t cntact a lawyer, call the new wner immediately. Tell the new wner abut the law and say that yu are entitled t at least a 90 day ntice. State that if the new wner tries t evict yu that yu will defend based n the new law. What happens if I dn t pay the new wner rent r vilate ther terms f my lease? If yu are late with yur rent, the new wner can send yu a ntice giving yu 5 days t pay, mve r file an affidavit with justice curt explaining that that yu have a legal excuse nt t pay. See Hw T Respnd T An Evictin Ntice/ Nn-Payment f Rent link If yu vilate ther terms f yur lease the new wner can send yu a ntice stating that yu either cure the breach f the lease r mve within 5 days. If yu dn t cure and have nt mved within 5 days, then the new wner can send yu a ntice giving yu 5 days t mve r file an affidavit with justice curt explaining that that yu have a legal excuse nt t mve. What if I have a lease that has mre than 90 days left? In mst cases, the new wner cannt evict yu until the end f the lease. There are tw exceptins. If the new wner wants t use yur hme as their primary residence, the new wner nly has t give yu a 90-day ntice t leave after they becme the wner. If yu d nt pay yur rent r vilate ther terms f my lease the new wner may evict yu as described abve. 2

3 What must the 90 day ntice say? The new federal law applies t bth single family hmes and large apartment cmplexes. It als applies t weekly as well as mnthly rentals. It des nt specify what the ntice shuld say. Effective 10/1/09, NRS creates additinal ntice requirements fr residential (4 units r less) freclsures f dwellings rented by the mnth r lnger. The 90 day perid shuld be cntained in a ntice f change f wnership which must include a statement: (a) Giving the cntact infrmatin fr the persn t whm rent shuld be paid; (b) Ntifying yu that the rental agreement with the previus wner r landlrd cntinues in effect thrugh the ntice perid, and (c) Ntifying yu that failure t pay rent r cmply with any ther term f the agreement r applicable law cnstitutes a breach f the rental agreement and may result in evictin prceedings. Fr larger cmplexes and dwellings f all sizes rented fr perids shrter than 30 days n specific frm f ntice is required. Fr bth residential freclsures and large cmplexes the ntice must allw yu the time required t mve under the new federal law. If the new federal law is nt extended by Cngress, state law ntice perids will gvern. What if I d nt want t stay 90 days r fr the remainder f my lease? Effective 10/1/09, NRS fllwing residential (4 units r less) freclsures f dwellings rented by the mnth r lnger, tenants may vacate at any time during the ntice perid withut penalty. N recrd f evictin may be entered if yu vacate within the ntice perid. In any case, yu may be able t negtiate t see what the new wner might ffer if yu agree t mve early. Many banks which freclse may ffer yu a cash fr keys ptin. What if I wish t cntinue renting the dwelling? Yu may be able t negtiate t see what the new wner might ffer yu a new lease r agree that yu can remain lnger than 90 days. When shuld I first be infrmed that my dwelling is in freclsure? Fr mst tenants the 90 day ntice shuld cme as n surprise. Starting 10/1/09, NRS requires fr residential (4 units r less) freclsures that at the same time the lender serves the wner (yur landlrd) with a ntice f default and electin t sell, that yu get written ntice which allws yu t break the lease and mve at any time. This ntice shuld cme at least 90 days prir t the freclsure sale, but n less than 15 days prir. That ntice must als describe yur rights and respnsibilities under Nevada evictin prcedures. The ntice must be bth psted n the prperty and mailed t yu. The separate ntice must be similar t the Ntice t Tenants f the Prperty fund at the end f this brief, which describes a tenant's rights in the event f a mrtgage freclsure. 3

4 What can I d if the new wner serves me with a summns and cmplaint asking a curt t evict me withut giving me ntice? Yu shuld cntact a lawyer immediately. Refer t the Legal Brief n Lawyer Referral Services fr further infrmatin n hw t cntact a lawyer. If yu unable t cntact a lawyer, g t the Clerk f the curt n the summns and cmplaint immediately. File an answer with the curt that says the new wner failed t give the ntice required by the Prtecting Tenants at Freclsure Act, Pub. L. N , 702 (2009). Yu may btain a frm answer with instructins frm the Clark Cunty curt. G t curt n the date the curt sets fr a trial and take with yu: 1. the cpy f yur letter t the new wner, 2. the green return receipt, if yu received ne, 3. the cpy f the new law that is attached t this ntice and 4. a cpy f yur lease, if yu have ne. What can I d if a sheriff r cnstable arrives at my dr t evict me? Tell the sheriff r cnstable that if yu received n evictin ntices r yu were nt served with a summns and cmplaint. Ask fr time t g t curt t get the rder evicting yu set aside. Yu shuld cntact a lawyer immediately. Refer t the Legal Brief n Lawyer Referral Services fr further infrmatin n hw t cntact a lawyer. If yu unable t cntact a lawyer, g t the Clerk f the curt n the evictin rder immediately. Say that yu want t file an emergency mtin t vacate the evictin rder. What happens t my security depsit? The previus wner is required by NRS 118A.244 t either (a) return yur security depsit r (b) transfer it t the new wner. What if I am a sectin 8 tenant? Yu have all f the rights listed abve regarding yur lease and the requirement that the wner give yu a 90-day ntice t leave. Yu als have additinal prtectins. The Sectin 8 Husing Assistance Payment cntract cntinues. The freclsure is nt a lawful reasn t terminate yur lease. Call yur Sectin 8 wrker and tell the wrker what is happening. Yu can als send a letter telling the new wner abut the law. See the sample letters at the end f this brief. 4

5 What can happen if I d nt leave by the end f the ntice perid? If yu d nt leave vluntarily r enter int an agreement which allws yu t stay, the new wner may evict yu at the end f the ntice perid (90 days r the expiratin f the lease). T evict yu the new wner must serve yu with a summns and cmplaint. The Service Member Civil Relief Act (SCRA) is als a resurce; hwever, SCRA prvides nly limited prtectin t service members frm freclsure. The SCRA, Sectin 531, states that a landlrd r anyne else with paramunt title (i.e. banks) cannt evict service members frm their private residences withut a valid curt rder. A curt rder will nly be issued if the service member is served ntice and had an pprtunity t respnd. After being served a ntice f evictin, a service member may file an applicatin with the curt t delay the executin f the evictin fr a perid f apprximately 90 days. This prtectin is limited t residential leases where the mnthly rent des nt exceed $3, fr 2014 (adjusted annually based n the Cnsumer Price Index). THE INFORMATION CONTAINED IN THIS PAMPHLET IS OF A GENERAL NATURE AND IS PROVIDED FOR YOUR ASSISTANCE AND CONVENIENCE. IT IS NOT INTENDED AS LEGAL ADVICE AND IS NOT A SUBSTITUTE FOR LEGAL COUNSEL. IF YOU HAVE ANY QUESTIONS AS TO HOW THE LAW IN THIS AREA AFFECTS YOU OR YOUR LEGAL RIGHTS, CONTACT A CIVILIAN ATTORNEY OR THE NELLIS AIR FORCE BASE LEGAL OFFICE FOR AN APPOINTMENT WITH A LICENSED ATTORNEY. 5

6 SAMPLE LETTERS SAMPLE LETTER FOR NON SECTION 8 TENANT TO SEND TO NEW OWNER Date: T: (Name and address) Dear Landlrd, I am writing this letter in respnse t the ntice f terminatin dated. The Prtecting Tenants at Freclsure Act, Pub. L. N , (2009), which became law n May 20, 2009, applies t state evictin prceedings. This act requires that a new wner wh tk title t residential rental prperty thrugh freclsure must hnr existing leases until the end f the lease term. There are three exceptins t this rule: 1) if there is an existing term lease and the new wner wants t ccupy the freclsed prperty as a persnal residence befre the end f the lease term, 2) if there is an existing term lease with less than 90 days t the end f the lease term, r 3) if the existing lease n the freclsed prperty is a mnth-t-mnth tenancy r a tenancy at will. In each f these cases, the wner must prvide the tenant at least 90 days ntice t terminate the tenancy. Because the ntice sent n des nt cmply with this law, I ask that yu rescind (withdraw) the ntice. Sincerely, Tenant name Sample Letter fr Sectin 8 Tenant t send t the Landlrd (Name and address f tenant) (Name and address f wner) Date: Dear Landlrd, I am writing this letter in respnse t the ntice f terminatin dated. The Prtecting Tenants at Freclsure Act, Pub. L. N , (2009), that became law n May 20, 2009, applies t state evictin prceedings. This law requires a persn r entity 6

7 wh acquires wnership f residential rental prperty thrugh freclsure t take subject t (be legally bund by) the Sectin 8 vucher lease and Husing Assistance Payments (HAP) cntract. A new wner can nly terminate the lease and HAP cntract by giving the tenant at least 90 days ntice f terminatin prir t the end f the lease. If the Sectin 8 lease and HAP cntract have less than 90 days remaining in their term, r if the new wner wh takes title at freclsure wants t ccupy the premises as his r her persnal residence, the new wner may terminate the lease nly after giving the tenant at least 90 days ntice f such terminatin. Because the ntice sent n falls shrt f the 90-day ntice required by law, I ask that yu rescind (withdraw) the ntice. Sincerely, Tenant name SAMPLE FORECLOSURE CLAUSE: THE LANDLORD AGREES t ntify the tenant if the landlrd is delinquent in mrtgage payments r this prperty is in ANY stage f freclsure. The landlrd s ntice t the tenant must be in writing and either sent by certified mail r psted n the frnt dr f the rental prperty. The landlrd must prvide this ntice within five (5) calendar days f the landlrd becming delinquent r receiving ntice the prperty is subject t freclsure. Tenant has the abslute right t terminate this lease if the landlrd is delinquent r the rental prperty is in any stage f freclsure. Tenant must give the landlrd ntice in writing; the terminatin will be effective 30 days frm the tenant s written ntificatin t the landlrd. The 30-day perid allwed under this clause trumps any cnflicting terminatin perids fund elsewhere in this lease agreement. Terminatin under this clause is withut penalty. THE LANDLORD FURTHER AGREES, that upn terminatin f this lease under this clause, landlrd will surrender, n the last day f tenant s ccupancy, all prepaid rent and all security and pet depsits paid by the tenant. It is agreed that surrender f these mnies will be in full (i.e., the exact amunt paid by the tenant withut any deductin). Finally, the landlrd agrees that, if the tenant chses early terminatin under this clause, landlrd will be liable t the tenant fr the tenant s reasnable csts f lcatin similar husing elsewhere and the reasnable csts incurred by the tenant t mve t the new place. 7

8 NOTICE TO TENANTS OF THE PROPERTY Freclsure prceedings against this prperty have started, and a ntice f sale f the prperty t the highest bidder has been issued. Yu may either: (1) terminate yur lease r rental agreement and mve ut; r (2) remain and pssibly be subject t evictin prceedings under chapter 40 f the Nevada Revised Statutes. Any subtenants may als be subject t evictin prceedings. Between nw and the date f the sale, yu may be evicted if yu fail t pay rent r live up t yur ther bligatins t the landlrd. After the date f the sale, yu may be evicted if yu fail t pay rent r live up t yur ther bligatins t the successful bidder, in accrdance with chapter 118A f the Nevada Revised Statutes. Under the Nevada Revised Statutes evictin prceedings may begin against yu after yu have been given a ntice t quit. If the prperty is sld and yu are the tenant under a bna fide lease entered int befre the ntice f freclsure yu shuld generally receive ntice that yu must vacate the premises at the end f the remaining term f the lease (except that a purchaser at a freclsure sale may terminate a lease effective n the date f sale f the unit t a purchaser wh will ccupy the unit as a primary residence, subject t giving yu a 90 day ntice t quit. If the prperty is sld and yu d nt have a lease exceeding 90 days, yu shuld generally receive ntice at least 90 days in advance. Under Nevada Revised Statutes , ntice must generally be served n yu pursuant t chapter 40 f the Nevada Revised Statutes and may be served by: (1) Delivering a cpy t yu persnally in the presence f a witness; (2) If yu are absent frm yur place f residence r usual place f business, leaving a cpy with a persn f suitable age and discretin at either place and mailing a cpy t yu at yur place f residence r business; r (3) If yur place f residence r business cannt be ascertained, r a persn f suitable age r discretin cannt be fund there, psting a cpy in a cnspicuus place n the leased prperty, delivering a cpy t a persn residing there, if a persn can be fund, and mailing a cpy t yu at the place where the leased prperty is. If the prperty is sld and a landlrd, successful bidder r subsequent purchaser files an evictin actin against yu in curt, yu will be served with a summns and cmplaint and have the pprtunity t respnd. Evictin actins may result in temprary evictins, permanent evictins, the awarding f damages pursuant t Nevada Revised Statutes r sme cmbinatin f thse results. Under the Justice Curt Rules f Civil Prcedure: (1) Yu will be given at least 10 days t answer a summns and cmplaint; (2) If yu d nt file an answer, an rder evicting yu by default may be btained against yu; (3) A hearing regarding a temprary evictin may be called as sn as 11 days after yu are served with the summns and cmplaint; and (4) A hearing regarding a permanent evictin may be called as sn as 20 days after yu are served with the summns and cmplaint.

FACT SHEET # 32 EVICTION. Introduction

FACT SHEET # 32 EVICTION. Introduction FACT SHEET Andrew M. Cum, Gvernr A PUBLICATION OF NEW YORK STATE DIVISION OF HOUSING AND COMMUNITY RENEWAL OFFICE OF RENT ADMINISTRATION # 32 EVICTION Intrductin In New Yrk State, an evictin f a tenant

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

North Carolina Department of Commerce Division of Employment Security

North Carolina Department of Commerce Division of Employment Security Nrth Carlina Department f Cmmerce Divisin f Emplyment Security Pat McCrry, Gvernr Sharn Allred Decker, Secretary Dale R. Flwell, Assistant Secretary May 20, 2013 TO: FROM: SUBJECT: Nrth Carlina Emplyers,

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

UNIVERSITY OF WINCHESTER

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

More information

PARKING ON PRIVATE LAND APPEALS

PARKING ON PRIVATE LAND APPEALS PARKING ON PRIVATE LAND APPEALS Yur pprtunity t appeal against a parking charge ntice This frm has been issued by Parking n Private Land Appeals (POPLA) The peratr claims yu are liable fr the payment f

More information

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and

PRIVACY POLICY. This Privacy Policy describes how and when Pole Star USA, Inc. ( Pole Star ) collects, uses and PRIVACY POLICY This Privacy Plicy describes hw and when Ple Star USA, Inc. ( Ple Star ) cllects, uses and shares yur infrmatin when yu use Ple Star s NAO Clud Platfrm, which includes the Ple Star website

More information

Consumer Code of Practice. Emirates Integrated Telecommunications Company, PJSC (du)

Consumer Code of Practice. Emirates Integrated Telecommunications Company, PJSC (du) Cnsumer Cde f Practice Emirates Integrated Telecmmunicatins Cmpany, PJSC (du) Cntents Page 1 The purpse f this Cde f Practice 2 2 Hw t cntact du 2 3 Prices, terms and cnditins f service 3 4 Privacy f custmer

More information

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

More information

Bill Payment Agreement & Disclosures

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

More information

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

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

More information

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS MEDICAL PROVIDER NETWORK (MPN) NOTIFICATION If yu are injured at wrk, Califrnia Law requires yur emplyer t prvide and pay

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

Relocation/Moving Procedures for New Employees

Relocation/Moving Procedures for New Employees Relcatin/Mving Prcedures fr New Emplyees Purpse T prvide guidelines and restrictins regarding thse cases where relcatin csts are necessary fr an individual t accept emplyment with the University and t

More information

25 CFR 162 Leases & Permits (Residential, Business, and Wind & Solar Resource)

25 CFR 162 Leases & Permits (Residential, Business, and Wind & Solar Resource) 25 CFR 162 Leases & Permits (Residential, Business, and Wind & Slar Resurce) The Bureau f Indian Affairs (BIA) is prpsing t revise 25 CFR 162, Leases and Permits, t add prvisins specific t residential

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000 U. S. Department f Husing and Urban Develpment Washingtn, D.C. 20410-8000 December 20, 2000 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MORTGAGEE LETTER 00-46 TO: ALL APPROVED

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

Dodd-Frank Report on Seller Financing

Dodd-Frank Report on Seller Financing Ddd-Frank Reprt n Seller Financing December 10, 2013 Published by Glbal Publishing Inc. 9799 Old St. Augustine Rd. Jacksnville, FL 32257 p. 904-262-0491 f. 904-262-1464 VIPServices@GlbalPublishinginc.cm

More information

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form

LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Form LOAN MODIFICATION SCAM PREVENTION NETWORK Client Interview Frm At the beginning f the interview, please remember: Tell hmewners at the utset that yu are nt ffering t represent them at this time, that there

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

The New Supreme Court Civil Rules 7 Major Changes

The New Supreme Court Civil Rules 7 Major Changes CIVIL LITIGATION BASICS 2010 UPDATE PAPER 6.1 The New Supreme Curt Civil Rules 7 Majr Changes These materials were prepared by J. Kenneth McEwan, QC, f Hunter Litigatin Chambers, Vancuver, BC, fr the Cntinuing

More information

The Competition opens on September 16 at 00:00 and closes on October 14 at 00.00am.

The Competition opens on September 16 at 00:00 and closes on October 14 at 00.00am. TERMS AND CONDITIONS WWE Kids VIP Tickets Cmpetitin By entering the Cmpetitin each entrant agrees that they have read, understd and agreed t be bund by these terms and cnditins (the "Terms") (including

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

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

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

STANDARDS OF THE MINNESOTA LEMON LAW

STANDARDS OF THE MINNESOTA LEMON LAW STANDARDS OF THE MINNESOTA LEMON LAW The fllwing is a brief explanatin f mst relevant prvisins f the Minnesta lemn law. The cmplete text f the lemn law can be fund at Minn. Stat. Ann Sec. 325F.665. VEHICLES

More information

Dear Brightleaf at the Park Owners,

Dear Brightleaf at the Park Owners, Dear Brightleaf at the Park Owners, Membership t the Brightleaf Club is nw included with all new cnstructin hmes being sld in Brightleaf at the Park. Many f the riginal wners have requested the ptin fr

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

OPTIONAL PRACTICAL TRAINING INFORMATION

OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal Services Office OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal students, with an F-1 visa, wh have been lawfully enrlled full-time fr at least ne academic year and maintaining status

More information

Note: The designation of a Roommate is determined from the Occupants table. Roommate checkbox must be checked.

Note: The designation of a Roommate is determined from the Occupants table. Roommate checkbox must be checked. MultiSite Feature: Renters Insurance Versin 2 with Rmmates Renter s Insurance infrmatin can be tracked n each resident and rmmate, including insurance histry. Infrmatin can be edited in the Renters Insurance

More information

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions

Maryland General Service (MGS) Area 29 Treatment Facilities Committee (TFC) TFC Instructions Maryland General Service (MGS) Area 29 Treatment Facilities Cmmittee (TFC) TFC Instructins Lve And Service Facility Presentatin t Patients We are frm Alchlics Annymus (AA), fr AA, and ur service is fr

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

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

More information

Cell Phone & Data Access Policy Frequently Asked Questions

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

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts

NAIC Replacement Requirements For Certain Life Insurance Policies And Annuity Contracts NAIC Replacement Requirements Fr Certain Life Insurance Plicies And Annuity Cntracts Duties f Prducers If a transactin invlves a replacement, the prducer must leave with the applicant, at the time an applicatin

More information

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t

More information

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

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

More information

SHSD . Home Page. How to Add a Signature to Your . Staff . Working with Panels GroupWise Desktop Version Only

SHSD  . Home Page. How to Add a Signature to Your  . Staff  . Working with Panels GroupWise Desktop Version Only SHSD Email Staff Email SHSD uses GrupWise fr email. Staff email can be accessed frm any netwrked cmputer in the district. There is a GupWise Client that has been installed n mst staff cmputers and is accessed

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Mobile Number Portability Frequently Asked Questions

Mobile Number Portability Frequently Asked Questions Mbile Number Prtability Frequently Asked Questins General 1) What is number prtability? Number Prtability (NP) allws yu t change service prviders withut having t change yur telephne number. 2) What are

More information

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

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

More information

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs

Letter of Engagement. as instructed from time to time in respect of your/the company/trusts affairs We enclse material which sets ut: Letter f Engagement Infrmatin fr clients which lawyers are required by the New Zealand Law Sciety t prvide; and Our standard terms f engagement. Services t be prvided

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

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

More information

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789 Snny s Franchise Cmpany 201 Nrth New Yrk Avenue 3rd flr Winter Park, FL 32789 Phne: (407) 660-8888 Fax: (407) 660-1285 Email: sates@snnysbbq.cm Name Address PRELIMINARY FRANCHISE APPLICATION Befre filling

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce.

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce. NextGenJustice Flrida attrneys have prepared the fllwing Frequently Asked Questins t help yu with yur uncntested divrce. Frequently asked questins abut yur uncntested Flrida divrce: Q. Hw lng will my divrce

More information

Zimbra Collaboration Suite User Guide Part 15

Zimbra Collaboration Suite User Guide Part 15 INTER-UNIVERSITY CENTRE FOR ASTRONOMY AND ASTROPHYSICS (An Autnmus Institutin f the University Grants Cmmissin) Zimbra Cllabratin Suite User Guide Part 15 Sharing Yur Accunt Flders Sharing Yur Accunt Items

More information

STEP 1: Student Application Submission

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

More information

Bank switching service - Regulation

Bank switching service - Regulation versin 3.0-1/7/2011 Bank switching service - Regulatin This Regulatin cnstitutes the verall framewrk in which the participating banks in Belgium ffer cnsumers a bank switching service fr current accunts.

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

More information

Trusted Coaches Background Check Policy and Disclaimer

Trusted Coaches Background Check Policy and Disclaimer Trusted Caches Backgrund Check Plicy and Disclaimer Trusted Caches (TC) is a nnprfit membership rganizatin dedicated t educating caches n best practices in yuth sprts. The TC prgram includes screening

More information

Annuities and Senior Citizens

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

More information

Consumer ebanking Account and Services Agreement

Consumer ebanking Account and Services Agreement Cnsumer ebanking Accunt and Services Agreement Intrductin: As used in this agreement, the wrds yu and yur refer t the accunt hlder(s) and the wrds Bank, us, and we refer t CnnectOne Bank. Cnsumer ebanking:

More information

Investment Adviser Switch Workshop

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

More information

How to: Hold Effective Board of Directors Meetings

How to: Hold Effective Board of Directors Meetings Hw t: Hld Effective Bard f Directrs Meetings Intrductin The C-perative Crpratins Act prvides specific guidance n hw t elect directrs, what cnstitutes qurum, and where meetings can be cnducted, but there

More information

Frequently Asked Questions About I-9 Compliance

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

More information

o I hereby request a total SURRENDER of my contract/certificate (please enclose).

o I hereby request a total SURRENDER of my contract/certificate (please enclose). Distributin Request Frm Prtective Life Insurance Cmpany (PLICO/"the Cmpany") Prtective Life and Annuity Insurance Cmpany (PLAIC/"the Cmpany") Cntract Owner Custmer Service Office: Cntract Annuitant P.O.

More information

Are Insurance Premiums Deductible?

Are Insurance Premiums Deductible? Are Insurance Premiums Deductible? December 2011 Can I deduct the premiums? That s a questin yu prbably hear when yu re presenting an insurance cncept. Unfrtunately, the answer is generally n insurance

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

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS D I need t register as a lbbyist? The key elements f lbbying activity that trigger registratin with the OLIG are as fllws: Cmpensatin - yu must receive smething f value in exchange

More information

The shared ownership calculator is available to download from the HCA s capital funding guide.

The shared ownership calculator is available to download from the HCA s capital funding guide. Shared Ownership Affrdability Calculatrs Guidance nte Plicy The calculatr has been created t supprt further emphases being placed n applicants applying fr shared wnership maximising their wn cntributin

More information

Spread Bet Terms: Deposit Accounts

Spread Bet Terms: Deposit Accounts Spread Bet Terms: Depsit Accunts 1. Structure 1.1 When we engage in Spread Betting with yu, we d s n the basis f: - ur General Terms; these terms, i.e. ur Spread Terms. 1.2 The Spread Terms deal with matters

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

HOW TO REGISTER FOR YOUR TEAS ASSESSMENT 1. CREATE A NEW ACCOUNT

HOW TO REGISTER FOR YOUR TEAS ASSESSMENT 1. CREATE A NEW ACCOUNT 1. CREATE A NEW ACCOUNT HOW TO REGISTER FOR YOUR TEAS ASSESSMENT If yu are nt a current user n www.atitesting.cm, please create a new accunt t access the student prtal r t make a purchase frm ATI's nline

More information

LOTUS NOTES 8.5. Managing Tasks. Microcomputer Training Centre. Department of Human Resources and Employee Relations Learning and Development

LOTUS NOTES 8.5. Managing Tasks. Microcomputer Training Centre. Department of Human Resources and Employee Relations Learning and Development Department f Human Resurces and Emplyee Relatins Learning and Develpment LOTUS NOTES 8.5 Cpyright 2005 Micrcmputer Training Centre, Yrk University Micrcmputer Training Centre Ltus Ntes 8.5 Table f Cntents

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

Health Savings Accounts (HSAs) Distribution Rules

Health Savings Accounts (HSAs) Distribution Rules Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

E.ON UK plc v Gilesports Limited : Section 1(3) of the Landlord and Tenant Act 1988 BRIEFING. Introduction

E.ON UK plc v Gilesports Limited : Section 1(3) of the Landlord and Tenant Act 1988 BRIEFING. Introduction E.ON UK plc v Gilesprts Limited : Sectin 1(3) f the Landlrd and Tenant Act 1988 BRIEFING Intrductin A tenant applicatin fr cnsent t assign a lease can smetimes prve a fractius affair and can strain relatins

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

The information contained in this site is for INFORMATIONAL purposes only and is protected by copyright. We are not providing legal advice.

The information contained in this site is for INFORMATIONAL purposes only and is protected by copyright. We are not providing legal advice. Privacy Plicy Terms f Service: The fllwing terms and cnditins gvern all use f the Rightwaywebhsting.cm website and all cntent, services and prducts available at r thrugh the website (taken tgether, the

More information

Munising Memorial Hospital. Administrative/Financial Policy

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

More information

RQ10.06 AACo Share Trading Policy

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

More information

Mortgage Loan Servicing Escrow Department

Mortgage Loan Servicing Escrow Department Mrtgage Lan Servicing Escrw Department BBVA Cmpass Escrw Department P.O. Bx 830953 Hazard Insurance Claim Prcess We are srry t hear that yu have experience damage t yur prperty. As a valued custmer, ur

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

LEGAL BRIEF SMALL CLAIMS COURT March 2014

LEGAL BRIEF SMALL CLAIMS COURT March 2014 LEGAL BRIEF SMALL CLAIMS COURT March 2014 PREPARED BY NELLIS LAW CENTER, 4428 England Ave (Bldg 18), Nellis AFB, Nevada 89191-6505 702-652-5407, Appt. Line 702-652-7531 SMALL CLAIMS COURT This handut prvides

More information

UTR Ebook How to get your UTR Number

UTR Ebook How to get your UTR Number UTR Ebk Hw t get yur UTR Number Published by UTR.rg.uk inf@utr.rg.uk 1. What is a UTR Number Table f Cntents 2. Hw t Apply fr a UTR Number 3. What t d if yu have lst yur UTR Number 4. Self emplyed What

More information

FAQs about Registration & Licensing in Dubai

FAQs about Registration & Licensing in Dubai FAQs abut Registratin & Licensing in Dubai Trade Names 1. Is it required t register a trade name in rder t apply fr an initial apprval? N, a trade name may be bked fr ne year renewable perid, against payment

More information

Moving Expenses CATS. Vickie Fry, University Tax Manager Cassandra Franks, Tax Compliance Officer University Tax Services.

Moving Expenses CATS. Vickie Fry, University Tax Manager Cassandra Franks, Tax Compliance Officer University Tax Services. Mving Expenses CATS Vickie Fry, University Tax Manager Cassandra Franks, Tax Cmpliance Officer University Tax Services Mving Expenses What is it? Wh gets it? Hw d we pay fr it? What are the limitatins?

More information

Staying in Finland: Visitor entitlements under European Health Insurance Card - Outline of Finnish health care system

Staying in Finland: Visitor entitlements under European Health Insurance Card - Outline of Finnish health care system Kansaneläkelaits Health Department 12.02.2015 Staying in Finland: Visitr entitlements under Eurpean Health Insurance Card - Outline f Finnish health care system Health care in Finland is mainly prvided

More information

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

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

More information

How to put together a Workforce Development Fund (WDF) claim 2015/16

How to put together a Workforce Development Fund (WDF) claim 2015/16 Index Page 2 Hw t put tgether a Wrkfrce Develpment Fund (WDF) claim 2015/16 Intrductin What eligibility criteria d my establishment/s need t meet? Natinal Minimum Data Set fr Scial Care (NMDS-SC) and WDF

More information

Dear Candidate, Following, is an example of the you will receive: Generally, background checks take 5-7 business days to complete.

Dear Candidate, Following, is an example of the  you will receive: Generally, background checks take 5-7 business days to complete. INTRODUCTION As a designated schl/divisin representative with direct access t the CastleBranch system and sensitive candidate infrmatin, yu have certain respnsibilities. It is critically imprtant that

More information

CFD and Spot Forex Terms: Deposit Accounts

CFD and Spot Forex Terms: Deposit Accounts CFD and Spt Frex Terms: Depsit Accunts 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

More information

Student Academic Learning Services Page 1 of 11. Accounting: Debits & Credits. A Student Academic Learning Services Guide

Student Academic Learning Services Page 1 of 11. Accounting: Debits & Credits. A Student Academic Learning Services Guide Student Academic Learning Services Page 1 f 11 Accunting: Debits & Credits A Student Academic Learning Services Guide Student Academic Learning Services Page 2 f 11 Debits & Credits: befre we begin There

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

APPLICATION FORM FOR DIGITAL TACHOGRAPH DRIVER CARD

APPLICATION FORM FOR DIGITAL TACHOGRAPH DRIVER CARD APPLICATION FORM FOR DIGITAL TACHOGRAPH DRIVER CARD Use the checklists belw t make sure that yur applicatin is cmplete befre yu return it. Have yu cnsidered applying fr yur driver card nline? It s quicker

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

FORM I-9 TRAINING. Employment Eligibility Verification

FORM I-9 TRAINING. Employment Eligibility Verification FORM I-9 TRAINING Emplyment Eligibility Verificatin Purpse f Frm I-9 The Immigratin Refrm and Cntrl Act f 1986 made all U.S. emplyers respnsible fr verifying the emplyment eligibility f all emplyees (bth

More information

CREATING A DONOR ACCOUNT

CREATING A DONOR ACCOUNT CREATING A DONOR ACCOUNT An Online Giving Accunt shuld be created t have the ability t set-up recurring dnatins, pledges and be able t view and print histry. Setting up an accunt will als allw yu t set-up

More information

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

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

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

IMPORTANT ANNOUNCEMENT

IMPORTANT ANNOUNCEMENT IMPORTANT ANNOUNCEMENT Octber 12, 2015 Dear Frmer Sharehlder: As yu may knw, the acquisitin f, a cmpany rganized under the laws f the State f Israel ( Lumenis ) by Laguna Hldc Ltd., an Israeli private

More information

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

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

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

More information

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

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information