FRESH THINKING ENERGY
|
|
- Stuart Fleming
- 8 years ago
- Views:
Transcription
1 FRESH THINKING ENERGY
2 7 Deadly Sins How Brokers Earn Their Money
3 Energy Brokers Responsible for procuring energy on the behalf of end users; Supplier Energy Broker End User Brokers should; Manage Risk Save time & money Provide specialist market information Work with end users to find effective solutions for their energy requirements
4 So, How Do Energy Brokers Earn Their Money?
5 1. Undeclared Commission Brokers don t work for FREE, despite what they may tell you Brokers take fees by; p/kwh commissions Direct management fees Brokers often fail to declare their fee, instead choosing to take an undisclosed commission on top of the supply contract LGE has discovered contracts where end users have unknowingly been paying up to 18% of contract value in commissions!
6 2. Dual Commissions Some brokers have been found to take a client fee AND an undisclosed commission Only the End User loses out in this scenario! Supplier Commissio n Fee End User LGE has seen numerous instances where consultants have REFUSED to disclose the commission they ve been taking.
7 3. Quota Based Supplier Incentives Some brokers receive remuneration for referring a certain number of clients to suppliers Often, these end users don t even go to a full tender so they don t receive a true market price Incentives aren t usually brought to the end users attention Remove control from the end user and can tie them in to long term contracts The resource used to pay incentives is likely to cause additional cost
8 4. Lack of Service Delivery The most frequent complaint by end users, is that what was promised on day one hasn t been delivered Clear service level agreements need to be set up in the initial stages and adhered to Brokers responsibility to educate the end user regarding the service End user requirements are varying and complex
9 5. Lack of Trading Expertise The main benefit of a broker is to offer expert advice on the energy markets to manage risk Energy markets are incredibly complex and require deep understanding to navigate Too many consultancies have trading teams with inadequate skill sets to fully optimise energy portfolios Misrepresenting trading performance
10 How performance can be misrepresented
11 6.Recommending Unsuitable Strategies Too often end users are recommended products which lack the functionality to fully optimise their energy portfolio. Varying requirements and objectives, for example attitude to risk, mean the majority of end users will require bespoke solutions. Your broker should work for their money - not take the easy option!
12 7. Anti-Competitive Practices Suppliers and TPI s need to work in tandem to deliver a competitive market that works in the best interests of the end user.
13 The Value of a Good Broker Transparency Energy Education Risk Management Contract Optimisation Regulatory Updates Market Access Reporting
14
15 An End User Perspective - Joy Vickers, Brunel Healthcare Joy is tasked with managing the procurement of electricity and gas for all Brunel sites. Her experience within the industry ranges from the typical annual one off renewals to a fully managed flexible energy procurement strategy, using third party intermediaries gained through several years of intense evaluation.
16 How to protect your business Ensure your broker discloses all costs in their tender Make sure you have a selection of suppliers to choose from - a true test of the offers available in the market Choose a broker with experienced, skilled energy traders Broker services should be ongoing - not only at renewal Ensure your agreement explicitly states how, and what, the broker is being paid and what will be delivered Your broker shouldn t be afraid to educate you where required
17 Questions?
Looking for an Energy Broker? 5 Questions to Ask
Looking for an Energy Broker? 5 Questions to Ask Ask the right questions to get the right deal 01 Looking for a Business Energy Broker? 5 Questions to Ask Ask the right questions to get the right deal
More informationCommercial Energy Management 11 Questions to ask your Energy Broker
Commercial Energy Management 11 Questions to ask your Energy Broker Benchmark your Broker Introduction Do you use or are you looking to use a Business Energy Broker? It s important to find the right partner
More informationBUYERS GUIDE TO PROFESSIONAL INDEMNITY INSURANCE
1. GUIDANCE BUYERS GUIDE TO PROFESSIONAL INDEMNITY INSURANCE 1.1 This guidance is to help you to make an informed choice when purchasing professional indemnity insurance and to use the market effectively.
More informationClient Engagement and Compensation Guide
Aon Risk Solutions Client Engagement and Compensation Guide Risk. Reinsurance. Human Resources. Introduction The aim of this document is to provide a high-level summary of the work that Aon Risk Solutions
More informationWorld Class Strategic Sourcing The Procurex Difference
World Class Strategic Sourcing The Procurex Difference Delivering Strategies and Savings To General Procurement Categories, Energy and Sustainability Portfolios Procurex & PRX Energy Overview Procurex
More informationYour Guide to Choosing a Search Marketing Agency
Your Guide to Choosing a Search Marketing Agency How do I find the right SEO agency for my business that I can trust? 13 answers www.sleepinggiantmedia.co.uk Choosing the right agency for your search engine
More informationBenchmark Methodology Information & Communications Technology (ICT)
Benchmark Methodology Information & Communications Technology (ICT) Indicator Name 1. 0 C o m m i t m e n t a n d G o v e r n a n c e 1.1 Awareness and The company publicly demonstrates its Commitment
More informationStandard terms and conditions
Standard terms and conditions For small and medium enterprises (SMEs) including micro businesses. Effective from 31 March 2014 Helping our customers. We re on it. 1 Contents Section 1 Taking over premises
More informationEnergy Procurement & Sustainability Services Strategy at every stage of your energy and sustainability life cycle
Energy Procurement & Sustainability Services Strategy at every stage of your energy and sustainability life cycle Make the most of your energy SM Global Expertise, Local Knowledge Schneider Electric s
More information1 Introduction. 2 Working together
1 Working together 1 Introduction In producing this guide, our aim is that the relationships in which lenders and intermediaries are engaged deliver good customer outcomes. Some individual lenders and
More informationProfessional Indemnity Insurance Guide for FCA Regulated Firms (2015)
Professional Indemnity Insurance Guide for FCA Regulated Firms (2015) Nathan Sewell, CEO of Protean Risk, answers the Top 50 questions we are regularly asked as a specialist provider of Professional Indemnity
More informationOperations Department
Page: 1 of 4 JOB DESCRIPTION JOB TITLE JOB HOLDER REPORTING TO: CLIENT RELATIONSHIP MANAGER MANAGING DIRECTOR DIVISION/DEPARTMENT LEVEL 1. JOB PURPOSE LIFE BUSINESS - OPERATIONS If applicable GRADE The
More information5O&M. new trends in onshore wind
5O&M new trends in onshore wind Five new trends in onshore wind O&M This report analyses trends in the way operations and maintenance (O&M) of European onshore wind farms is procured and undertaken. It
More informationThe Utilities Exchange Limited
The Utilities Exchange Limited Corporate and Government Energy Procurement Cut costs and carbon use and become more competitive Energy is essential for any business to function and it s cost has a critical
More informationWorldwide Anti-Corruption Policy
Worldwide Anti-Corruption Policy I. PURPOSE The laws of most countries make the payment or offer of payment or even receipt of a bribe, kickback or other corrupt payment a crime, subjecting both Eaton
More informationCD 1/14/2015 10:17:00 AM LP 1/14/2015 10:37:00 AM V.1
CD 1/14/2015 10:17:00 AM Client Information Insured: Postal Address: Trading Addresses Full Description of Activities: FCA Client Classification: Waste Managememtn Resources Ltd 7-10 Penhall Road, London,
More informationTransparency, disclosure and conflicts of interest in the commercial insurance market
Transparency, disclosure and conflicts of interest in the commercial insurance market SECTION 1 INTRODUCTION 1.1 The Financial Services Authority s (FSA) increased emphasis on disclosure, transparency
More informationPrize Indemnity Policy Wording
Prize Indemnity Policy Wording v12.15 Pen Underwriting Pty Ltd ABN 89 113 929 516 AFSL 290518 Our name comes from the expression to pass the pen. It reflects what we do and what we bring to the insurance
More informationSave time and money and avoid being stumped, register your clubs details with
with energy contracts and pay less in future? BusinessofEnergy Direct, today! Savespending time and and on avoid being Is your club too money much money electricity with Business Energy today! Has an energy
More informationEXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS.
EXCEPTED GROUP LIFE POLICY TERMS AND CONDITIONS. ABOUT THESE TERMS AND CONDITIONS. This document and our quote describe the Excepted Group Life Policy terms and conditions for employers who already insure
More informationWHERE EXPERIENCE COUNTS
Investment Services Guide Retail & Corporate Stockbrokers WHERE EXPERIENCE COUNTS Our Advisory Investment Services are designed specifically for investors seeking specialist expertise and advice on investments
More informationSave time and money and avoid being stumped, register your clubs details with Business Energy Direct, today!
Save time and money and avoid being stumped, register your clubs details with Business Energy Direct, today! Would your club like up to 6 months free energy? Has an energy supplier treated your club unfairly
More informationWILLIS GROUP HOLDINGS HOW WE GET PAID
WILLIS GROUP HOLDINGS HOW WE GET PAID WILLIS GROUP HOLDINGS HOW WE GET PAID INTRODUCTION The purpose of this paper is to provide an overview of the ways that Willis is remunerated for the value we deliver.
More informationCorporate Social Responsibility Best Practice Principles The Far EasTone Telecommunications Co., Ltd. Approved by Board of Director Meeting on
Article 1 Article 2 Article 3 Article 4 Article 5 Corporate Social Responsibility Best Practice Principles The Far EasTone Telecommunications Co., Ltd. Approved by Board of Director Meeting on 2015/7/30
More informationINSURANCE BROKERS CODE OF PRACTICE
INSURANCE BROKERS CODE OF PRACTICE INSURANCE BROKERS CODE OF PRACTICE OVERVIEW 4-5 IMPORTANT BACKGROUND INFORMATION What does the Code do for you? (Code Objectives) How to navigate the Code How up to date
More informationContract Management Guideline
www.spb.sa.gov.au Contract Management Guideline Version 3.2 Date Issued January 2014 Review Date January 2014 Principal Contact State Procurement Board Telephone 8226 5001 Contents Overview... 3 Contract
More informationPower Trading and Retail System. empowering. smarter trading. across the energy value chain. Smart energy. Powering progress
Power Trading and Retail System empowering smarter trading across the energy value chain Smart energy. Powering progress In today s turbulent and increasingly complex energy markets, Atos Worldgrid PTRS
More informationCall for information. Online reviews and endorsements. February 2015 CMA41con
Call for information Online reviews and endorsements February 2015 CMA41con Crown copyright 2015 You may reuse this information (not including logos) free of charge in any format or medium, under the terms
More informationNOTICE 158 OF 2014 FINANCIAL SERVICES BOARD REGISTRAR OF LONG-TERM INSURANCE AND SHORT-TERM INSURANCE
STAATSKOERANT, 19 DESEMBER 2014 No. 38357 3 BOARD NOTICE NOTICE 158 OF 2014 FINANCIAL SERVICES BOARD REGISTRAR OF LONG-TERM INSURANCE AND SHORT-TERM INSURANCE LONG-TERM INSURANCE ACT, 1998 (ACT NO. 52
More informationInsurance Prudential Rules. ICR Intermediary Conduct. Non-Bank Financial Institutions Regulatory Authority
Insurance Prudential Rules Intermediary Conduct Non-Bank Financial Institutions Regulatory Authority January 2014 Contents 1. Introduction... 3 1.1. Insurance Prudential Rules... 3 1.2. Purpose... 3 2.
More informationBRITISH COUNCIL DATA PROTECTION CODE FOR PARTNERS AND SUPPLIERS
BRITISH COUNCIL DATA PROTECTION CODE FOR PARTNERS AND SUPPLIERS Mat Wright www.britishcouncil.org CONTENTS Purpose of the code 1 Scope of the code 1 The British Council s data protection commitment and
More informationMarketing Code of Practice for Business Customers
Marketing Code of Practice for Business Customers The UR Marketing Code of Practice for Business Consumers This Code does not apply to electricity business consumers with an MIC 70kVA.; or with annual
More informationFINANCIAL SERVICES GUIDE
FINANCIAL FACT FIND PARKHILL FINANCIAL PLANNING PTY LTD FINANCIAL SERVICES GUIDE Authorised Representative of INTEGRITY FINANCIAL PLANNERS PTY LTD Authorised and issued by Integrity Financial Planners
More informationStatement of Procurement Conduct
Statement of Procurement Conduct December 2014 Copyright of Western Power Any use of this material except in accordance with a written agreement with Western Power is prohibited. Introduction Western Power
More informationProfessional Indemnity Insurance arrangements
Guideline Effective from: 1 January 2016 Professional Indemnity Insurance arrangements Introduction The Health Practitioner Regulation National Law Act (National Law), as in force in each State and Territory
More informationeni eni eni eni eni eni s activities exploration & production engineering and construction eni saipem eni saipem gas & power chemicals eni versalis
our promise With 10 years of experience delivering gas to the UK market, the presence of eni continues to offer a fresh and innovative perspective to downstream sales. Drawing on the experience and resources
More informationFinancial Advice - sales and advisory step by step guidance
Financial Advice - sales and advisory step by step guidance This guidance is of particular relevance to Class 2 licenceholders with sub-class (3) & (7) permissions or sub-class (3), (6) & (7) permissions
More informationApex Risk Advisors Limited trading as Apex Insurance Brokers 7 South Mall, Cork. Fax: 021 2399204 www.apexinsurance.ie
Apex Risk Advisors Limited trading as Apex Insurance Brokers Tel: 021 2398864 7 South Mall, Cork. Fax: 021 2399204 www.apexinsurance.ie General Terms of Business These terms of business set out the basis
More informationFutures Trading Participant Eligibility Management Rules of the Shanghai International Energy Exchange (for Public Consultation)
Futures Trading Participant Eligibility Management Rules of the Shanghai International Energy Exchange (for Public Consultation) Table of Contents Chapter 1 General Provisions... 2 Chapter 2 Trader s Eligibility
More informationBrazil Financial Planning Ltd acts as an Independent Broker which means that:
Terms of Business Brazil Financial Planning Ltd These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities
More informationChapter 1. Setting the Groundwork
Chapter 1 Setting the Groundwork Understanding Essential Basic Concepts Investors new to financial markets are often intimidated by the seemingly endless stream of new and unfamiliar terminology and the
More informationEthical Corporate Management Operating Procedures and Conduct Guide
Ethical Corporate Management Operating Procedures and Conduct Guide Article 1. Goal Based on the principles of fairness, honesty, credibility and transparency in business activities, in order to implement
More informationMembers of the PIBA Financial Broker Network. Terms of Business
Members of the PIBA Financial Broker Network Terms of Business Bluechip Financial Consultants Ltd Terms of Business Cover Letter Client Name: BLUECHIP FINANCIAL CONSULTANTS LIMITED Status Bluechip Financial
More informationclear Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement
clear Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 12 January 2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit
More informationNEPO Energy Procurement Guide for Academies
NEPO Energy Procurement Guide for Academies NEPO Energy Procurement The North East Procurement Organisation (NEPO) has been responsible for energy procurement for member organisations since the phased
More informationADMINISTRATION OF ORGANISZATIONAL CHANGES - 103408. Dr. Karthik Mohandoss. chapter I. Introduction to administration of organizational changes
ADMINISTRATION OF ORGANISZATIONAL CHANGES - 103408 chapter I 1 Introduction to administration of organizational changes LEARNING OUTCOMES At the end of this chapter you will be able to understand and have
More informationREPORT TO CABINET. To contribute towards the Council s ongoing cost reduction programme by reducing the cost of the procurement of goods and services.
REPORT TO CABINET Open Would any decisions proposed : Any especially affected Wards None Discretionary Be entirely within Cabinet s powers to decide Need to be recommendations to Council Is it a Key Decision
More informationConflicts of Interest
Conflicts of Interest Issued by: Vantage Capital Markets LLP (VCM) Compliance Scope Firms are required to manage conflicts of interest fairly, both between itself and its clients and between clients and
More informationIMPORTANT POINTS. Please ensure all questions are answered fully, where there is insufficient space please supply information on a separate sheet.
IMPORTANT POINTS Please ensure all questions are answered fully, where there is insufficient space please supply information on a separate sheet. The questions must be answered to the best of your knowledge
More informationFinance and Policy Committee. Date: 14 October 2014. Item 17: TfL Energy Purchasing 2017 to 2020. This paper will be considered in public.
Finance and Policy Committee Date: 14 October 2014 Item 17: TfL Energy Purchasing 2017 to 2020 This paper will be considered in public 1 Summary 1.1 This paper: (a) reviews the current purchasing strategy
More informationHealth Purchasing Victoria
Clinical Advisor Health Purchasing Victoria Melbourne, VIC PO Box 83 Ocean Grove Victoria 3226 hrsa@hrsa.com.au www.hrsa.com.au Background Health Purchasing Victoria (HPV) achieves best value supply chain
More informationLead Provider Framework Draft Scope. NHS England / 13/12/13 Gateway Ref: 00897
Lead Provider Framework Draft Scope NHS England / 13/12/13 Gateway Ref: 00897 1 Introduction The commissioning support lead provider framework is being developed in response to requests from CCGs for a
More informationAFFORDABLE INSURANCE FOR COMMUNITY GROUPS
AFFORDABLE INSURANCE FOR COMMUNITY GROUPS Making IT AFFORDABLE We ve designed an insurance facility that is tailored to meet the needs of Community Groups throughout New Zealand. About us JLT New Zealand
More informationindustrial materials, MCHC adopts a holding company system that separates the Group
Mitsubishi Chemical Holdings Corporate Governance Guidelines Based on our Group philosophy, Good Chemistry for Tomorrow Creating better relationships among people, society, and our plant., Mitsubishi Chemical
More informationGOOD GOVERNANCE FRAMEWORK
Provincial Roads Improvement (RRP CAM 43309) GOOD GOVERNANCE FRAMEWORK In all instances, the Loan Agreement shall be the overriding legal document. Asian Development Bank () Procurement Guidelines (2010,
More informationINSURANCE BROKERS CODE OF PRACTICE
INSURANCE BROKERS CODE OF PRACTICE BUILDING PROFESSIONAL COMPETENCE AND CONSUMER CONFIDENCE The insurance broking profession is about helping you to navigate the unavoidable complexities of insurance products
More informationSince when can a revenue cycle company help grow your healthcare organization?
Since when can a revenue cycle company help grow your healthcare organization? When that company is A New Treatment Plan for your Revenue Cycle Forget everything you ever knew about Revenue Cycle Management
More informationTransparency, disclosure and conflicts of interest in the commercial insurance market
AIRMIC Guidance Transparency, disclosure and conflicts of interest in the commercial insurance market 1. Introduction AIRMIC believes that management of potential conflicts of interest in the commercial
More informationDistribution channels in insurance
Distribution channels in insurance An insurance cover is an intangible product evidenced by a written contract known as the policy. Insurers market various insurance covers either directly or through various
More informationEveryone needs a little help sometimes
MARKET BUSINESS SALES MARKETING TRAINING ACCESS DEVELOPMENT Everyone needs a little help sometimes Helping to deliver results Visea offer consultancy, project management and interim management solutions
More informationPrefect Professional Liability Insurance for Educational Establishments
PROPOSAL FORM Prefect Professional Liability Insurance for Educational Establishments Important tice 1. This is a proposal for a contract of insurance, in which Proposer or you/your means the individual,
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. Preparation Date: 31 July 2015
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement. Preparation Date: 31 July 2015 BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 31 July 2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL 1 and Australian credit licence
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 31 July 2015 Westpac Banking Corporation ABN 33 007 457 141 AFSL 1 and Australian credit licence
More informationInformatics: The future. An organisational summary
Informatics: The future An organisational summary DH INFORMATION READER BOX Policy HR/Workforce Management Planning/Performance Clinical Document Purpose Commissioner Development Provider Development Improvement
More informationcreate the most economically advantageous balance of quality and cost; reduce the burden on administrative and monitoring resources;
North Highland College Procurement Strategy 2012-2015 Strategic Context North Highland College s expenditure on bought-in goods and services is approximately 2.2M per annum. At all times the College has
More informationJPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA)
1. Please read this document carefully. JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA) It sets out the terms on which we agree to act for our clients and contains details of our regulatory
More informationTerms of Business Finance Life & Pensions Ltd t/a Cregan Kelly Financial Services.
Terms of Business Finance Life & Pensions Ltd t/a Cregan Kelly Financial Services. These Terms of Business set out the general terms under which our firm will provide business services to you and the respective
More informationCONSUMER RIGHTS ACT 2015:
BRIEFING CONSUMER RIGHTS ACT 2015: COMPLIANCE GUIDE FOR BUSINESSES DEALING WITH CONSUMERS SEPTEMBER 2015 THE CONSUMER RIGHTS ACT 2015 WILL TAKE EFFECT FROM 1ST OCTOBER. THIS BRIEFING OFFERS A COMPLIANCE
More informationConsolidated Insurance Mediation Act 1
Consolidated Insurance Mediation Act 1 Act no. 930 of 18 September 2008 This is an Act to consolidate the Insurance Meditation Act, cf. Consolidated Act no. 401 of 25 April 2007, as amended by section
More informationAAMI GENERAL INSURANCE CUSTOMER PRIVACY STATEMENT
AAMI GENERAL INSURANCE CUSTOMER PRIVACY STATEMENT Privacy is Important especially when you consider the number of ways we communicate and interact these days. That s why we ve put together this statement.
More informationInsurance Regulatory Authority
Insurance Regulatory Authority MARKET CONDUCT GUIDELINES FOR INSURANCE INTERMEDIARIES JUNE 2011 THE INSURANCE ACT (CAP 487) MARKET CONDUCT GUIDELINES FOR INSURANCE INTERMEDIARIES TABLE OF CONTENTS 1.0
More informationCharitable Fund-raising
Charitable Fund-raising This publication is intended to provide general information only and is not a substitute for legal advice. Contents Page RULES FOR CHARITABLE ORGANIZATIONS AND Fund-raising BUSINESSES
More informationA systematic comparison of the German Sustainability Code with the principles of the UN Global Compact and the OECD Guidelines for Multinational
A systematic comparison of the German Sustainability Code with the principles of the UN Global Compact and the OECD Guidelines for Multinational Enterprises STRATEGY Strategic Analysis, Strategy and aims
More informationThe Social Media Pocket Guide
The Social Media Pocket Guide 6 Ways Marketers Should Use Social Media with Proven Tactics to Achieve Success Jim Rudden - @jimrudden Jordan Viator - @jordanv #AMASpredfast The Social Media Landscape The
More informationLender-Placed Insurance Protecting American Homeownership and the Mortgage Process
Lender-Placed Insurance Protecting American Homeownership and the Mortgage Process Lender-placed insurance serves a necessary and valuable role in American homeownership. It is utilized only when homeowners
More informationWEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION
WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION PLANNING YOUR WEALTH MANAGEMENT STRATEGY Wealth creation and wealth preservation at LighthouseWealth we achieve this balance for our clients through
More informationWhat we offer: Good to know. Our supplier panel is second to none, which is why we're able to find great prices that are tailored to your needs.
About us We know that finding a great energy deal for your business isn't always simple. That's where we come in. We'll take care of your business energy needs and make it really easy for you to get the
More informationCorporate Insurance Solutions Ltd BUSINESS INSURANCE CONSULTANTS
Terms of Business This Agreement is between You our client or potential client and Corporate Insurance Solutions Ltd and applies to all work that we carry out on your behalf. Corporate Insurance Solutions
More informationPrinciples of Best Practice applicable to the distribution of Life Insurance Products on a Cross-border Basis within the EU or a Third Country
2015 Principles of Best Practice applicable to the distribution of Life Insurance Products on a Cross-border Basis within the EU or a Third Country 1 Principles of Best Practice applicable to the distribution
More informationComdaq A Multiple Market Success
Comdaq A Multiple Market Success ICO Tuesday 2 October 2001 Clive Furness Director History Founded and first market live in 1999 Sugar followed by coffee in Jan 2000 Our own software house in India Blend
More informationPrinciples of Investment Reporting
PRINCIPLES FOR INVESTMENT REPORTING SECOND EDITION 2014 CFA Institute CFA Institute is the global association of investment professionals that sets the standard for professional excellence. We are a champion
More informationA Guide to Understanding Group Risk Insurance
A Guide to Understanding Group Risk Insurance This guide has been produced by Group Risk Development (GRiD) with the support of the Chartered Institute of Procurement and Supply (CIPS). CIPS members can
More informationRetail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement
Retail and Business Banking Financial Services Guide, Credit Guide and Privacy Statement Preparation Date: 31 July 2015 St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL
More informationPRIVATE HEALTH INSURANCE INTERMEDIARIES CODE OF CONDUCT JUNE 2015 VERSION 2
PRIVATE HEALTH INSURANCE INTERMEDIARIES CODE OF CONDUCT JUNE 2015 VERSION 2 CONTENTS PART A - Page 4 GENERAL 1. INTRODUCTION 2. OUR COMMITMENT UNDER THE CODE 3. PRIVATE HEALTH INSURANCE ENVIRONMENT PART
More informationFINANCIAL ADVISERS ACT (CAP. 110)
Monetary Authority of Singapore FINANCIAL ADVISERS ACT (CAP. 110) INFORMATION PAPER ON GOOD PRACTICES FOR LICENSED AND EXEMPT FINANCIAL ADVISERS CONTENTS 1 Introduction 2 Advisory and Sales Practices 2.1
More informationa) To achieve an effective Quality Assurance System complying with International Standard ISO9001 (Quality Systems).
FAT MEDIA QUALITY ASSURANCE STATEMENT NOTE 1: This is a CONTROLLED Document as are all quality system files on this server. Any documents appearing in paper form are not controlled and should be checked
More information'RLQJ WKH ULJKW WKLQJ
The Severn Trent way 2011 These are our principles. They help us all understand how to think about the actions and decisions we have to take every day. This way, we remain who we want to be and always
More informationConsultation document on the Review of the Insurance Mediation Directive (IMD) Commission Staff Working Paper
Consultation document on the Review of the Insurance Mediation Directive (IMD) Commission Staff Working Paper This document is a working document of the Internal Market and Services Directorate General
More informationd. Members shall not conduct their business in a manner which tends to bring either BRBA or the BMF or its membership into disrepute.
Boat retailers and brokers who are Members of the Boat Retailers and Brokers Association ( BRBA ), a Group Association of the British Marine Federation (BMF) must adhere to the following terms: 1. Standard
More informationComplaints-Handling by Insurance Intermediaries. Rule pursuant to article 4 of the Act. (2) This Rule shall come into force on the 1 st July 2014.
Insurance Intermediaries Rule 25 of 2014 Complaints-Handling by Insurance Intermediaries Rule pursuant to article 4 of the Act 1. (1) This Insurance Intermediaries Rule on Complaints- Handling by Insurance
More informationImpact of EU legislation on the distribution landscape
Impact of EU legislation on the distribution landscape Are IMD2/MiFID2/PRIPs leading to big changes? Martin Baier Zagreb, 26 th September 2013 2013 Towers Watson. All rights reserved. Towers Watson: the
More informationCh. 48 FIRST MORTGAGE LOAN PRACTICES 10 48.1 CHAPTER 48. FIRST MORTGAGE LOAN BUSINESS PRACTICES STATEMENT OF POLICY
Ch. 48 FIRST MORTGAGE LOAN PRACTICES 10 48.1 CHAPTER 48. FIRST MORTGAGE LOAN BUSINESS PRACTICES STATEMENT OF POLICY Sec. 48.1. Definitions. 48.2. Purpose. 48.3. Dishonest, fraudulent, illegal, unfair or
More informationCredit Guide. Fax: (03) 9276 8000 (03) 8621 0032 Email Address. 294 Bay Road Cheltenham VIC 3192
This Credit Guide provides you with the key information that you need to know to make an informed and confident choice when engaging our products and services. This Credit Guide summarises our goals and
More informationPrinciples and Practices for the Sale of Products and Services by Property and Casualty Insurance Brokers
Principles and Practices for the Sale of Products and Services by Property and Casualty Insurance Brokers The statement of Principles and Practices for the Sale of Products and Services by Property and
More informationPersonal Directors and Officers Liability Insurance
If you can keep your head when all about you are losing theirs and blaming it on you. If you can trust yourself when the board doubt you but make allowance for their doubting too. If you can bear to hear
More informationFinancial planning. A bespoke plan for your future
Financial planning A bespoke plan for your future ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more than
More informationTAKING CONTROL OF YOUR HEALTHCARE. healthcare solutions. Specializing in Strategies for Cost Containment and Improved Employee Health
TAKING CONTROL OF YOUR HEALTHCARE healthcare solutions Specializing in Strategies for Cost Containment and Improved Employee Health How To Deliver Great Healthcare in a Cost-Effective Way EPI s Healthcare
More informationHoward R. Mann Vice President, Business Information, Planning and Development 100, 6700 MacLeod Trail S.E. Calgary, Alberta T2H 0L3
July 29, 2005 Canadian Council of Insurance Regulators (CCIR) Canadian Insurance Services Regulatory Organizations Stephen Paglia Policy Manager (A) CCIR Secretariat 5160 Yonge Street, Box 85 17th Floor
More informationAre you buying private medical insurance? Take a look at this guide before you decide 2008
Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical
More information