MiFID II FAQs. For Advisers, Discretionary Portfolio Managers and Product Providers. Praemium Administration Limited
|
|
- Malcolm Wilcox
- 6 years ago
- Views:
Transcription
1 MiFID II FAQs Fr Advisers, Discretinary Prtfli Managers and Prduct Prviders Praemium Administratin Limited Praemium Administratin Ltd is authrised and regulated by the Financial Cnduct Authrity under reference
2 Cntents Summary 4 Frequently Asked Questins (FAQs) 4 Hw is Praemium addressing their MiFID II bligatins?... 4 Hw has Praemium defined distributrs and manufacturers under the MiFID II regulatin?... 4 Hw is Praemium handling best executin?... 6 Hw is Praemium prpsing t prvide infrmatin n csts and charges?... 6 What will Praemium d abut prduct gvernance?... 6 Hw will Praemium handle transactin reprting?... 7 Hw will Praemium handle regular client reprting?... 7 Hw will Praemium reprt the 10% drp in value?... 7
3 Summary MiFID II (The Markets in Financial Instruments and Derivatives II) is EU-wide legislatin that is due t cme int effect n 3rd January As a UK FCA-regulated investment business, Praemium Administratin Limited (PAL) is bliged t cmply with the regulatin. The spirit f the legislatin is t imprve custmer utcmes by ensuring that cmpanies manufacture and distribute financial prducts in a clear and transparent manner. This dcument is designed t set ut the way in which PAL will deliver its bligatins under the legislatin, taking int accunt the requirements f ur client firms, whether they are advisers, Discretinary Prtfli Managers r a cmbinatin f the tw. This is based n all the infrmatin available t us n the Directive, FCA plicies, best practice guides and legal advice as at 15 th Nvember 2017, and is subject t change. Frequently Asked Questins (FAQs) Hw is Praemium addressing their MiFID II bligatins? PAL has established a MiFID II special prject t ensure we are fully cmpliant by the date MiFID II cmes int effect. The prject is spnsred by CEO Michael Ohanessian and managed by key members f the Senir Management Team. We are currently wrking with ur lawyers t prvide updated legal agreements fr Adviser and Discretinary Prtfli Manager firms and expect t send these ut by the end f Nvember The changes t ur terms and cnditins will set ut clearly ur bligatins under MiFID II and emphasise the rles f advisers and Discretinary Prtfli Managers in relatin t the platfrm. Fr any questins n MiFID II and Praemium please us at mifid2@praemium.cm Hw has Praemium defined Distributrs and Manufacturers under the MiFID II regulatin? Praemium has made the fllwing determinatins when defining distributrs and manufacturers: Praemium: deemed t be an intermediate distributr in MiFID II terms because we are a platfrm that ffers mdels managed by Discretinary Prtfli Managers, and advisers are able t select the mst suitable mdel/s fr their underlying investrs. Adviser firms: deemed t be end distributrs as they are engaging directly with investrs. Fund huses fr managed funds: deemed t be prduct manufacturers (prducts are defined as financial instruments). Frm Praemium s pint f view, there are n manufacturers fr direct stcks r bnds. Discretinary Prtfli Managers (DPMs): deemed t be distributrs. Our services as intermediate distributr: Select Service this service is fr adviser firms wh d nt have their wn discretinary permissins. The adviser firm can select a Discretinary Prtfli Manager (r managers) wh is a DPM. Direct Service this service is fr adviser firms wh als have their discretinary permissins and can therefre act as bth financial adviser and Discretinary Prtfli Manager fr their wn direct clients.
4 Distributrs & Manufacturers - Select Service Distributrs & Manufacturers Direct Service
5 Hw is Praemium handling Best Executin? We will be publishing an updated versin f ur Best Executin Plicy n t cnfirm ur cmpliance with the regulatin. Hw is Praemium prpsing t prvide infrmatin n Csts and Charges? Fr Ex-Ante reprting n the estimated csts/charges we intend t prvide infrmatin as fllws: Ttal service cst One-ff charges Onging charges Transactin charges Ancillary service charges Incidental charges Ttal prduct cst One-ff charges Onging charges Transactin charges Incidental charges Third-party charges The ttal f the prduct cst and the third-party charges will be displayed as a ttal aggregated cst. (VAT will nt be identified separately.) This infrmatin will then be used t prvide infrmatin n what yu might get back in year 1 and subsequent years, based n: n charges, after charges and the cumulative effect f csts and charges n returns. The data will be shwn in currency amunts (,$ r ) and in percentage terms. The charges will be detailed as part f the accunt setup prcess via the new adviser prtal. The adviser prtal is designed t make accunt pening n the platfrm much faster, aviding duble entering infrmatin and with a much mre user-friendly interface. Advisers will als be able t create new illustratins in adviser prtal (available in pdf frmat) fr any mdel changes that may cause a significant change t the csts and charges frm the riginal illustratin. We will be rlling ut adviser prtal t all ur adviser firms by the end f December Fr Ex-Pst reprting n the actual csts and charges, we intend t cnfirm the actual charges deducted frm the accunt ver the previus year. This will be prvided in cnjunctin with the regular client reprting (see Hw will Praemium handle regular client reprting fr mre infrmatin). What will Praemium d abut Prduct Gvernance? Praemium Administratin Limited is nt a manufacturer r end distributr under the MiFID II regulatin and therefre this area f the regulatin has limited impact n the platfrm: All investrs are defined as retail investrs and are advised by financial advisers wh are regulated in the cuntry in which they are prviding advice. The Discretinary Prtfli Managers (DPMs) are charged with selecting funds that are suitable fr retail advised clients. Since the funds are selected by the DPMs there is n requirement fr Praemium t prvide fund factsheets r Key Investr Infrmatin Dcuments (KIIDs). The majrity f the financial instruments held n the platfrm are either daily dealing funds, direct stcks
6 and bnds, r Exchange Traded Funds (ETFs), and s wuld fall int the categry f nn-cmplex instruments. Where investment trusts are selected by a DPM, it is up t the DPM t determine their suitability fr retail advised investrs. Given the abve, we will nt initially be passing any infrmatin t advisers n the target market (since it is already clearly defined as advised retail ) and we will nt be passing any summary infrmatin t prduct manufacturers, i.e. fund huses. Hw will Praemium handle Transactin Reprting? PAL will be prviding the required transactin reprting n all transactins accrding t the regulatins. We have btained Legal Entity Identifiers (LEIs) frm ur client firms and have sme utstanding requests fr accunts that are trusts r cmpanies. If we have requested an LEI frm yu fr ne f these accunt types, please ensure that yu send us the number as sn as pssible and n later than December 15, All new trust and cmpany accunts will need t prvide an LEI n accunt set up. Yu will be able t prvide this t us via an input field n the adviser prtal. Hw will Praemium handle regular client reprting? We will be increasing the frequency f reprting frm 6 mnthly t quarterly in arrears and will send ut reprts within 25 business days f the end f the calendar quarter. We are currently reviewing the best methd f delivery fr reprts, with ur default psitin being via the Praemium Investr Prtal. An will be sent t the adviser and underlying investr t prmpt them t lg in t btain their reprt. We will mnitr access t the investr prtal: if the investr has nt lgged in during the quarter, we will send ut their reprt by pst. We are able t send quarterly reprts t adviser firms instead f making them directly available t the investr. We are seeking feedback frm ur adviser firms n which rute they wuld prefer. Quarterly reprting will be cmpliant with the regulatin, i.e. prviding details n incme and charges. One reprt per year will als include the ex-pst reprting n charges. Client reprting type Qtr 1 Qtr 2 Qtr 3 Qtr 4 Quarterly Perid end date 31 Mar Jun Sep Dec 2018 Reprts despatched by 31 Apr Jul Oct Jan 2018 Ex-pst (frm 2019) Anniversary end date up t 31 Mar Jun Sep Dec 2019 Annual reprt 31 Apr Jul Oct Jan 2020 Hw will Praemium reprt the 10% drp in value? MiFID II will require firms t meet additinal reprting bligatins t ntify clients when the verall value f their prtfli, relative t its value at the beginning f each reprting perid, depreciates by 10% and multiples f 10% thereafter ( depreciatin reprting ) within 24 hurs. Where an adviser uses a third party DPM, the DPM has the respnsibility fr this cmmunicatin. Hwever, we
7 recgnise that DPMs running mdel prtflis n a platfrm d nt typically have the client data. Therefre we expect they will lk t delegate this t adviser firms whilst using the platfrm t facilitate the infrmatin. At Praemium we have taken n bard feedback frm ur adviser firms that as they have the key relatinships with custmers they will require the infrmatin s that they can infrm and manage the cnversatins with their custmers with regards t the fall in value f their prtfli. Where a prtfli drps by 10% in value during a reprting perid (calendar quarter), Praemium will send ntificatins t bth the adviser and t the DPM whse mdels have been affected. The methd used is as fllws: Beginning f the quarter is the starting perid, e.g. April 1 st. Perfrmance is calculated n a time-weighted basis. If accunt perfrmance shws a drp f mre than 10% frm April 1 st, a ntificatin is triggered. Praemium will cnduct a preliminary check t ensure that the drp is genuine, after which the ntificatin will g ut that a drp has ccurred. If accunt perfrmance drps by 20% frm April 1 st, anther ntificatin is sent t ntify the adviser f a secnd 10% drp. The measurement is always taken frm the beginning f the first day f the quarter. At the beginning f the next quarter n July 1 st, the perfrmance calculatin resets fr that quarter. Disclaimer The abve infrmatin is fr use by ur Adviser, Discretinary Prtfli Manager and prduct prvider firms nly. This guidance is prvided at a general level nly, t help prvide backgrund infrmatin abut the changes being made by Praemium Administratin Limited and hw Praemium will interact as a Platfrm service prvider This infrmatin is nt intended as advice abut the MIFID II regulatry changes. Fr this we recmmend that each rganisatin shuld seek their wn legal advice. Please refer t the FCA MiFID II guidance and plicy statements fr the UK. We welcme yur feedback and if yu have any further questins please cntact us at mifid2@praemium.cm
GRADUATE HOUSING CONTRACTS
2018-2019 GRADUATE HOUSING CONTRACTS IMPORTANT DATES & PROCESSES February 28 March 28, 2018 ONLINE GRADUATE HOUSING INTENTION (GINT) Between February 28 and March 28, 2018, ALL Graduate and Family Husing
More informationIslington & Shoreditch Housing Association (ISHA) Relationship Breakdown Policy
Islingtn & Shreditch Husing Assciatin (ISHA) Relatinship Breakdwn Plicy 1. Plicy Statement This plicy utlines Islingtn & Shreditch Husing Assciatin s (ISHA) apprach t dealing with relatinship breakdwn
More informationThe Bannister Team Prepared for: Compliments of:
Prepared fr: Cmpliments f: The Bannister Team 2338 N. Lp 1604 W. Suite 120 San Antni, TX 78248 The fllwing infrmatin will assist yu in understanding hw t purchase a gvernment-wned hme. Anyne can buy a
More informationPlenary three: How to calculate and apportion service charges effectively
Leasehlder and Tenant Service Charges Cnference Plenary three: Hw t calculate and apprtin service charges effectively Speaker: Chair: David Hunter Partner, Beevers and Struthers Steve Michaux Grup Directr
More informationTENANCY APPLICATION GUIDE TO COMPLETION
TENANCY APPLICATION GUIDE TO COMPLETION RAY WHITE REAL ESTATE WELCOMES YOUR APPLICATION AND ANY QUERIES YOU MAY HAVE. THE FOLLOWING INFORMATION AND CHECKLIST WILL ASSIST YOU TO COMPLETE THE TENANCY APPLICATION
More informationPolicy date October 2015 Document version Version 3 National Operations Manager Review date October 2018
Plicy Dcument Gd Neighbur Plicy sectin: 1.0 Plicy: 1.2.14 Sectin name: Establishing and Maintaining Tenancies Dcument name Gd Neighbur Applicability Missin Australia Husing Authrisatin Senir Management
More informationBUYER HANDBOOK. my purpose. I provide high-end service for the Nashville area home buyer.
BUYER HANDBOOK W E N DY M O N DAY R E A LT O R my purpse I prvide high-end service fr the Nashville area hme buyer. High-end desn t mean the mst expensive. It means delivering the best pssible service
More informationTHE PROCESS OF PURCHASE OF A PROPERTY IN SPAIN
PRACTICAL GUIDE JANUARY 2014 THE PROCESS OF PURCHASE OF A PROPERTY IN SPAIN The acquisitin f prperties in Spain implies a number f legal bligatins. If yu decide t purchase a prperty in Spain, which is
More informationAbstract Our project analyzes the water use of apartment complexes in the City of Davis. We
Apartment Cmplexes and Water Cnservatin in the City f Davis By Nicle Dunkley, Sam Mffitt, Janna Ortiz, and William Wang Abstract Our prject analyzes the water use f apartment cmplexes in the City f Davis.
More informationLessor Presentation & Disclosure Requirements
Lessr Presentatin & Disclsure Requirements The public entity 1 adptin deadline fr the new guidance in Accunting Standards Update (ASU) 2016-02, Leases (Tpic 842), is drawing clser. This is the first majr
More informationAPPLICATION DEADLINE PINNACLE AWARDS CELEBRATION THURSDAY JANUARY 17, 2019, 5:00 PM THURSDAY. MARCH 21, 2019 Carlos Hellenic Center Ballroom
Rules fr the 2018 Prductin Year APPLICATION DEADLINE THURSDAY JANUARY 17, 2019, 5:00 PM PINNACLE AWARDS CELEBRATION THURSDAY MARCH 21, 2019 Carls Hellenic Center Ballrm DeKalb Assciatin f REALTORS 1. ELIGIBILITY
More informationOpportunity Description: Assistant Property Manager Location: Office in Menlo Park, CA
KILROY REALTY CORPORATION 12200 West Olympic Blvd., Suite 200 Ls Angeles, CA 90064 Opprtunity Descriptin: Assistant Prperty Manager Lcatin: Office in Menl Park, CA Abut Kilry Realty Crpratin Kilry Realty
More informationScreening of Residential Land: Questions and Answers
Screening f Residential Land: Questins and Answers Wh des the plicy apply t? 1. Wh des the plicy apply t? The plicy applies t all verseas persns, with sme exceptins. Specifically: New Zealand citizens
More informationW yoming M ultiple L isting S ervice
W yming M ultiple L isting S ervice 951 Werner Ct., Suite 290 Casper, WY 82601 Phne (307) 237-1670 Fax (307) 235-0018 Email: cmls@tribcsp.cm www.wymingmls.cm Subscriber Membership Applicatin Packet f the
More informationImplementing the New Lease Accounting Standard
The public entity 1 adptin deadline fr the new guidance in Accunting Standards Update (ASU) 2016-02, Leases (Tpic 842) is drawing clser. Implementatin and dcumentatin theref will be a significant undertaking
More informationRoom Selection FAQ s
2018 2019 Rm Selectin FAQ s What are the imprtant dates t knw? Residency Requirement: As a fur year residential liberal arts cllege, all students are required t live n campus. The release prcess t live
More informationGOLDEN ISLES ASSOCIATION OF REALTORS 2019 CIRCLE OF EXCELLENCE APPLICATION FORM
LAST NAME FIRST GOLDEN ISLES ASSOCIATION OF REALTORS 2019 CIRCLE OF EXCELLENCE APPLICATION FORM TO: ADMISSION COMMITTEE-CIRCLE OF EXCELLENCE I hereby make applicatin fr membership t the Circle f Excellence
More informationLEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY JANUARY 2016
LEGAL BRIEF FORECLOSURE ON RENTAL PROPERTY JANUARY 2016 PREPARED BY NELLIS LAW CENTER, 4428 England Ave (Bldg 18), Nellis AFB, Nevada 89191-6505 702-652-5407, Appt. Line 702-652-7531 If yu rent prperty
More informationWorkshop Session Stress-Free Securitisation
Wrkshp Sessin Stress-Free Securitisatin CHC s Resurces Cnference 2014-10 th July 2014 Metrple Htel, Llandrindd Wells, Pwys Presented by Sharn Kirkham Partner and Head f Securitisatin THE DEVONSHIRES SECURITISATION
More informationMid-state association of realtors, inc. The Association with the Personal Connection 73 East Main St. Plainville, CT 06062
MEMBERSHIP APPLICATION - REALTOR AGENT GENERAL INFORMATION Name (as it appears n yur license): Name (as yu wish it t appear n rster): Firm Name: Firm Address: (Street) (City) (State) (Zip Cde) Firm Phne
More information4 LIHTC ONLY, WITH AT LEAST 8 YEARS OF THE ORIGINAL 15-YEAR IRS COMPLIANCE PERIOD REMAINING (AKA NEW LIHTC)
Affrdable Husing Data Guidance Fr All Multifamily Prperties with Incme r Rent Restrictins (nt just units in prperties meeting Fannie Mae s Multifamily Affrdable Husing (MAH) definitin Table f Cntents Page
More informationPurpose. ARDI Registration Process
Purpse This dcument is a step-by-step guide t help yu thrugh the ARDI Team Registratin Prcess. This year s team registratin prcess is ALL electrnic! ARDI will cntinue t use a web-based team registratin
More informationReclaimed Land A guide for developers applying for an interest in reclaimed land under the Marine and Coastal Area Act 2011
Reclaimed Land A guide fr develpers applying fr an interest in reclaimed land under the Marine and Castal Area Act 2011 February 2014 1 Intrductin This guide explains hw yu as a develper - can apply fr
More informationPinnacle Award Rules. [Type the document subtitle] 2018 Event. Pinnacle Award Rules. DeKalb Association of REALTORS
[Type the dcument subtitle] 2018 Event Pinnacle Award Rules DeKalb Assciatin f REALTORS 1. ELIGIBILITY Any emplyee r independent cntractr (fficer r therwise) f any real estate brker (individual r firm)
More informationSingle Drawer Accountability (SDA) (NON POS) R2 and R4 Hour Offices Conversion Guide Instructions
Single Drawer Accuntability (SDA) (NON POS) R2 and R4 Hur Offices Cnversin Guide Instructins The USPS POStPlan requires Administrative Pst Offices with Remtely Managed Pst Offices (RMPO) pen 2 and 4 hurs
More informationRegistrar of Real Property (RoRP) Client Handbook
Registrar f Real Prperty (RRP) Client Handbk Prperty Services 2015 1 Legal Disclaimer 3 The Registrar f Real Prperty (RORP) 3 Registry Services 3 General Guidelines 4 Freehld Transfer (Sales and Purchase
More informationStudio $3875 $3875 $7, bedroom single $4125 $4125 $ bedroom double $3200 $3200 $6400
What is Haymarket Landing? Haymarket Landing is a unique pprtunity fr UWEC students t be part f the dynamic revitalizatin f dwntwn Eau Claire. This six stry brand new building will ffer first flr retail
More informationVENDOR REGISTRATION AND DISCLOSURE STATEMENT AND SMALL, WOMEN-, AND MINORITY-OWNED BUSINESS CERTIFICATION APPLICATION
WV-1 New Update REV. 09/26/18 STATE OF WEST VIRGINIA - PURCHASING DIVISION VENDOR REGISTRATION AND DISCLOSURE STATEMENT AND SMALL, WOMEN-, AND MINORITY-OWNED BUSINESS CERTIFICATION APPLICATION EXHIBIT
More informationGreenlane Staff Residence Information o
Greenlane Staff Residence Infrmatin Accmmdatin is ffered t Auckland District Health Bard staff. Cnsists f single rms with shared cmmunal areas/facilities. Lcated at Maungakiekie Campus, 214 Green Lane
More informationCertified International Property Specialist (CIPS) DESIGNATION APPLICATION
Certified Internatinal Prperty Specialist (CIPS) (NRDS ID is required fr U.S. members. Please cntact yur lcal bard/assciatin if yu d nt knw yur ID number) Please type r print legibly TITLE: COMPANY NAME:
More informationOhio Department of Transportation Testimony to the Judiciary Committee of the Ohio House on House Bill 5 (Eminent Domain)
Testimny t the Judiciary Cmmittee f the Ohi Huse n Huse Bill 5 (Eminent Dmain) April 19, 2007 DIRECTOR JAMES G. BEASLEY Chairman Blessing, ranking member Harwd and ther members f the Judiciary, my name
More informationApplications Skill Checks
Applicatins Skill Checks Use these questins t understand hw t extract key issues and apply ptential slutins that will be similar t the Part II CAM exam. Present Cnditin Sample 1: A new prperty in the neighbrhd
More informationLEVEL 6 UNIT 17 - CONVEYANCING SUGGESTED ANSWERS JUNE 2011
LEVEL 6 UNIT 17 - CONVEYANCING SUGGESTED ANSWERS JUNE 2011 Nte t Candidates and Tutrs: The purpse f the suggested answers is t prvide students and tutrs with guidance as t the key pints students shuld
More informationIntroduction. Student Comments. Welcome to Sedley Court. High quality student accommodation
Welcme t Sedley Curt High quality student accmmdatin Intrductin http://www.anuk.rg.uk Sedley Curt prvides accmmdatin fr 150 students. This purpse built cmplex, managed by Aldwyck Husing Grup, prvides accmmdatin
More informationMOTION NO. M Beacon Hill Station TOD Property Final Transaction Agreements PROPOSED ACTION
MOTION NO. M2018-170 Beacn Hill Statin TOD Prperty Final Transactin Agreements MEETING: DATE: TYPE OF ACTION: STAFF CONTACT: Bard 12/20/2018 Final Actin Dn Billen, Executive Directr, PEPD Brke Belman,
More informationBoard of Regents Meeting November 30-December 1, 2006 Agenda Item #32 Arizona State University EXECTIVE SUMMARY Page 1 of 8
EXECTIVE SUMMARY Page 1 f 8 ACTION ITEM: ISSUE: Pursuant f ABOR Plicy 7-204 and 7-207, seeks apprval in the alternative (i) t sell, (ii) t lease fr a lng term r (iii) t lease with a sale prvisin the apprximately
More informationICN Merger Working Group. Effective Remedies. 16 February 2017 Washington DC
ICN Merger Wrking Grup Effective Remedies Jsep Carpi Badia Head f Unit, Mergers Case Supprt and Plicy DG Cmpetitin, Eurpean Cmmissin 16 February 2017 Washingtn DC DISCLAIMER The views expressed are purely
More informationShared Equity Ownership Initiative
Shared Equity Ownership Initiative Hmewnership remains a majr gal fr lw and mderate incme husehlds seeking t increase husing stability, independence and wealth. Affrdable hme wnership remains a majr gal
More informationDRAFT 1. GENERAL INFORMATION 2. APPLICATION INSTRUCTIONS
Department f Cnsumer and Regulatry Affairs Instructins and General Infrmatin Fr Certificate f Inclusinary Zning Cmpliance (CIZC) Applicatin and Penthuse Affrdable Husing Addendum (last revised, 5.20.16)
More informationChapter 6 Acquisition
Chapter 6 Acquisitin Intrductin The Unit f General Lcal Gvernment (UGLG) is required t cmply with the acquisitin and relcatin plicies and prcedures as set frth in the Unifrm Relcatin Assistance and Real
More informationBarnes Walker, Chartered 3119 Manatee Avenue West, Bradenton, Florida Ph: (941) ; F: (941) SORTING OUT SHORT SALES:
Barnes Walker, Chartered 3119 Manatee Avenue West, Bradentn, Flrida 34205 Ph: (941) 741-8224; F: (941) 708-3225 SORTING OUT SHORT SALES: USING PRELIMINARY TITLE SEARCHES TO DECIDE WHEN TO TAKE LISTINGS
More informationHomeowners Guide To Assignment of Mortgage Payments Sales
Hmewners Guide T Assignment f Mrtgage Payments Sales America s leading netwrk f nn-traditinal real estate authrities! Prvided By: Sellers that NEED TO SELL a prperty, but CANNOT AFFORD TO, because f the
More informationCalculation Guide Estate Master DF Tenancy Schedule. September 2013
Calculatin Guide Estate Master DF Tenancy Schedule September 2013 Table f Cntents Tenancy Schedule... 3 1. Outgings and Vacancies Ttal Per Annum... 4 2. Escalated Rent at Lease Start... 5 3. Letting Fee
More informationBUILDING CONSENT INFORMATION
BUILDING CONSENT INFORMATION Infrmatin n Prject Infrmatin Memranda, Building Cnsent Applicatins, Inspectins and Cde Cmpliance Certificate 1. The Building Act: The Building Act 2004 prvides fr the regulatin
More informationResidence Hall Room Lease & Board Contract,
Clby-Sawyer Cllege Residence Hall Rm Lease & Bard Cntract, 2018-19 1. Clby-Sawyer Cllege agrees t assign and lease t the student space fr living in a residence hall r ther cllege husing fr the academic
More informationHINDU AMERICAN RELIGIOUS INSTITUTE 301 Steigerwalt Hollow Road, New Cumberland PA (717)
HINDU AMERICAN RELIGIOUS INSTITUTE 301 Steigerwalt Hllw Rad, New Cumberland PA 17070 (717) 774-7750 www.haritemple.rg haritemple@gmail.cm TEMPLE LOWER LEVEL HALL USE AGREEMENT Please cmplete the frm belw
More informationREQUEST FOR PROPOSAL DESIGN-BUILD Request for Proposal No Campbell Creek Estuary Natural Area: Wildlife Overlooks and Rustic Fence
REQUEST FOR PROPOSAL DESIGN-BUILD Request fr Prpsal N. 2013-01 Campbell Creek Estuary Natural Area: Wildlife Overlks and Rustic Fence Prpsal Deadline Due by: Mnday, July 8 at 4:00 PM Alaska Standard Time
More informationLegal Wing - Federation of Karnataka Chambers of Commerce and Industry (FKCCI), Bengaluru 15 th September, 2016 Article 99
Legal Wing - Federatin f Karnataka Chambers f Cmmerce and Industry (FKCCI), Bengaluru 15 th September, 2016 Article 99 Dr. Gubbi, Cunselr & Advcate: Imprtant Views & Curt Decisins fr Members Attentin Dear
More informationKBKG Tax Insight: Retail/Restaurant Industry Safe Harbor Under Tangible Property Regulations
KBKG Tax Insight: Retail/Restaurant Industry Safe Harbr Under Tangible Prperty Regulatins Authr: Jhn Hanning, CCSP, MBA C Authr: Lester Ck, CCSP, ASA The IRS recently issued Revenue Prcedure 2015 56 prviding
More informationThe Corporation of the City of Stratford
The Crpratin f the City f Stratfrd Plicy Manual P.3 Municipal Prperty Dept: Crprate Services Cmmittee: Finance and Labur Relatins Sale and Other Dispsitin f Land Adpted: December 17, 2007 Amended: August
More informationTO LET. Town Centre Retail Premises. Shop Unit 10, Manchester Chambers, Oldham OL1 1LF.
TO LET Twn Centre Retail Premises Shp Unit 10, Manchester Chambers, Oldham OL1 1LF Lcated in a Twn Centre psitin Adjacent t Spindles Shpping Centre Cvered arcade walk way t frnt Clse t the Central Bus
More informationTERMINATION OF TENANCIES FOR TENANT DEFAULT RESULTS OF FORFEITURE OF LEASES QUESTIONNAIRE
TERMINATION OF TENANCIES FOR TENANT DEFAULT RESULTS OF FORFEITURE OF LEASES QUESTIONNAIRE Overview In January 2004 the Law Cmmissin undertk a cnsultatin n the pssible refrm f a landlrd s means f terminating
More informationTO LET. Town Centre Offices Flexible Terms. First & Second Floor Offices, Manchester Chambers, Oldham OL1 1LF.
TO LET Twn Centre Offices Flexible Terms First & Secnd Flr Offices, Manchester Chambers, Oldham OL1 1LF Twn Centre lcatin Offices available n tw flr levels Available either as a whle r in part Clse t the
More informationFACT 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 informationSAMPLE SELLER PROPERTY QUESTIONNAIRE ADDENDUM
SELLER PROPERTY QUESTIONNAIRE ADDENDUM This frm was created by the Greater San Dieg Assciatin f REALTORS and is intended fr use primarily in the San Dieg Cunty area. This frm is nt cvered by the C.A.R.
More informationATEL Investor Services
ATEL Investr Services APPLICATION FOR TRANSFER Nn Qualified Fr use with Individual, JTWROS, Tenants in Cmmn, trust, and crprate accunts. Trust accunts must include trust dcuments. Crprate accunts must
More informationURBAN ARTS SPACE 50 W TOWN ST., SUITE 130, COLUMBUS, OH 43215
OSU Urban Arts Space Rental Summary: WEB uas.su.edu The rental guidelines in this dcument are plicies specific t the OSU Urban Arts Space (heren the Space ) laid ut fr the persn(s) r rganizatin (heren
More informationHabitat for Humanity Greater San Francisco Application Meeting: 1009 Mission Street, San Francisco
Habitat fr Humanity Greater San Francisc Applicatin Meeting: 1009 Missin Street, San Francisc MISSION STATEMENT At Habitat fr Humanity Greater San Francisc ur missin is t prvide lcal families with a springbard
More informationPROPOSAL Architectural Services
McCarthy LePage Architects, PC 48 Wheeler Avenue, Flr 2 Pleasantville, New Yrk 10570 T. 914.747.1177 F. 914.747.0049 inf@fivecat.cm www.fivecat.cm This Agreement is the ffer f McCarthy LePage Architects,
More informationUniversity of the Philippines Human Resource Information System
University f the Philippines Human Resurce Infrmatin System Appraisal Overview I. SPMS Appraisal: Appraisee A. IPCR/OPCR with Set Targets B. IPCR/OPCR withut Set Targets (Fr Thse Withut Appraisal Available)
More informationStaff Report. Andrea Ouse, Director of Community and Economic Development
7.a Staff Reprt Date: Nvember 13, 2018 T: Frm: Reviewed by: Prepared by: Subject: City Cuncil Valerie J. Barne, City Manager Andrea Ouse, Directr f Cmmunity and Ecnmic Develpment Abhishek Parikh, Transprtatin
More informationProcedure for an Permit Application For a Park Model Home or Mobile Home
Prcedure fr an Permit Applicatin Fr a Park Mdel Hme r Mbile Hme The fllwing items are required and frm part f a cmplete applicatin: 1. Letter f permissin frm the Park Owner. 2. If yu are ding any new cnstructin
More informationHousing Guide
Husing Guide 2016-2017 A guide fr students mving int private rented sectr accmmdatin Please nte: This bklet has been prduced by Bltn Students Unin. All infrmatin in this bklet was crrect at the time f
More informationUniversity of Alberta: Don Hickey, Anastasia Lim (Chair), Emily Ball, Ben Louie, Pat Jansen, Doug Dawson
University f Alberta: Dn Hickey, Anastasia Lim (Chair), Emily Ball, Ben Luie, Pat Jansen, Dug Dawsn Cmmunity members: Frank Weichman (McKernan), Stephen Dbsn (Lendrum), Bernie Schwartz (Lansdwne), Paul
More informationHOW TO SUCCEED AT YOUR MANAGEMENT AND OCCUPANCY REVIEW (MOR)
www.nhcinc.rg 1 HOW TO SUCCEED AT YOUR MANAGEMENT AND OCCUPANCY REVIEW (MOR) Raising The Bar In Cmpliance Presented By: Rse Dubin Natinal Husing Cmpliance MAHMA Reginal Affrdable Husing Cnference 2014
More informationTown of Bargersville Application Kit Encroachment Request
Twn f Bargersville Applicatin Kit Encrachment Request APPLICATION A cmplete applicatin and all required attachments and frms are t be submitted by the date shwn n the Strm Water Bard Meeting Schedule.
More informationMANUFACTURED HOUSING. TIB is excited to announce that we are now accepting CONVENTIONAL CONFORMING MANUFACTURED HOUSING Loans
TIB The Independent BankersBank, N.A. www.tib.bank January 4, 2019 MANUFACTURED HOUSING TIB is excited t annunce that we are nw accepting CONVENTIONAL CONFORMING MANUFACTURED HOUSING Lans Please see attached
More information221 East 11 th Street Austin, Texas 78701
2013 Multifamily Prgrams Prcedures Manual 221 East 11 th Street Austin, Texas 78701 2013 Multifamily Prgrams Prcedures Manual Cntents Intrductin t the 2013 Unifrm Multifamily Applicatin... 3 Prgrams...
More informationSubdivisions Made Easy. Subd ivisions. Checklist. By Dyrnphna Boholt
Subdivisins Made Easy Subd ivisins Checklist By Dyrnphna Bhlt Subdivisins Made Easy WHA T TO LOOK FOR? Research Cnduct nline searches t determine yur areas f interest Obtain maps and zning infrmatin frm
More informationTITLE CHANGE REQUEST CHECKLIST AND INSTRUCTIONS
TITLE CHANGE REQUEST CHECKLIST AND INSTRUCTIONS Thank yu fr allwing Interval Servicing t assist yu with yur title change request. We want yur transactin t be prcessed smthly and efficiently. Please be
More informationHow-to Implement a No-Smoking Policy for Existing Buildings in the Non-Profit Housing Sector
Hw-t Implement a N-Smking Plicy fr Existing Buildings in the Nn-Prfit Husing Sectr This sectin is tailred fr nn-prfit husing prviders wh want t implement r pilt a n-smking plicy in ne r mre f their multi-unit
More informationProperty Management Owners Handbook
Prperty Management Owners Handbk This handbk is designed t help familiarize yu with ur cmpany's administrative prcesses. It is ur sincere belief we can better serve yu if yu have all the infrmatin yu need
More informationMembership Fees 2018 Broker
Membership Fees 2018 Brker Annual membership dues Includes Lcal, Flrida Realtrs, Natinal Assciatin f Realtrs (Annual dues are pr-rated n a mnthly basis. This applicatin is t be used by NEW Members f this
More informationACCESSORY DWELLING UNIT ORDINANCE
ACCESSORY DWELLING UNIT ORDINANCE Planning Cmmissin April 23, 2018 Presentatin by: J. Ritterbeck, Senir Planner Advance Planning Divisin 2 Purpse f Hearing Receive staff presentatin Prvide additinal input
More information48,72;9,3$1$0(5,&$1$5&+,7(&785(%,(11$/( %$4 ³)((//$7,1$0(5,&$1$5&+,7(&785( WR1RYHPEHURI
48,72;9,3$1$0(5,&$1$5&+,7(&785(%,(11$/( 35(6(17$7,21 %$4 ³)((//$7,1$0(5,&$1$5&+,7(&785( WR1RYHPEHURI Thirty years ag, in 1978, the &ROHJLR GH $UTXLWHFWRV GHO (FXDGRU, frm Pichincha prvince, instituted
More informationHow to Make Auctions of Public Land
Hw t Make Auctins f Public Land Successful? Olga Kaganva, PhD, CRE, FRICS The Urban Institute kaganva@urban.rg THE WORLD BANK ANNUAL BANK CONFERENCE ON LAND POLICY AND ADMINISTRATION Washingtn, DC April
More informationNassau County Department of Planning & Economic Opportunity Nassau Place Yulee, Florida 32097
Nassau Cunty Department f Planning & Ecnmic Opprtunity 96161 Nassau Place Yulee, Flrida 32097 Tac E. Ppe, AICP Directr APPLICATION AND INSTRUCTIONS FOR FUTURE LAND USE AMENDMENT LESS THAN TEN (10) ACRES
More informationGuide For Renters
Guide Fr Renters www.ezprperty.sg September 2012 Intrductin This is an unbiased step-by-step guide fr tenants n renting a prperty in Singapre. We have n cmmercial interest invlved with any f the recmmendatins
More informationSoftPro Essential User Guide
SftPr Essential User Guide SftPr Essential January 27, 2016 4800 Falls f Neuse Rad, Suite 400 Raleigh, NC 27609 p (800) 848-0143 f (919) 755-8350 www.sftprcrp.cm Cpyright and Licensing Infrmatin Cpyright
More informationBedford - *EFFECTIVE THE CITY OF BEFORD ENACTED A TEMPORARY FREEZE ON ALL POINT OF SALE INSPECTIONS* Contact:
Pint-f-Sale Infrmatin ** This is meant t be a helpful resurce nly. Cntact the municipalities with questins & fr the mst up-t-date infrmatin. ** Cuyahga Cunty Bay Village Cntact: Jeff Grassi, Building Cmmissiner
More informationAssured Shorthold Tenancy Agreement
Assured Shrthld Tenancy Agreement Fr letting a residential dwelling Ntes fr Landlrds and Tenants This Tenancy Agreement is fr letting furnished r unfurnished residential accmmdatin n an assured shrthld
More informationArchitects in South Australia a view from the census
Assciatin f Cnsulting Architects The Business f Architecture Architects in Suth Australia a view frm the census Prepared by Gill Matthewsn an ACA resurce ACA SA PO Bx 354 Unley Adelaide, SA 561 T +61 13
More information1 EQUITABLE INTERESTS ARISING BY OPERATION OF LAW Includes resulting trusts, constructive trusts and estoppel
TOPIC OVERVIEW 1 EQUITABLE INTERESTS ARISING BY OPERATION OF LAW Includes resulting trusts, cnstructive trusts and estppel 2 MORTGAGES The main fcus is n the remedies available t registered Trrens System
More informationOrion Park, Northfield Avenue, Northfields, Ealing, London W13 9SJ
Orin Park Nrthfield Avenue, Nrthfields, Ealing, Lndn W13 9SJ Orin Park, Nrthfield Avenue, Nrthfields, Ealing, Lndn W13 9SJ Prminent West Lndn Residential Develpment Opprtunity CGI f Permitted Scheme Orin
More informationACEP-ALE Program TIP SHEET FOR MICHIGAN APPLICANTS
ACEP-ALE Prgram TIP SHEET FOR MICHIGAN APPLICANTS ACEP-ALE At a Glance Agricultural Cnservatin Easement Prgram Agricultural Land Easements: ACEP-ALE is a vluntary prgram f the United States Department
More informationComments to be received by 30 August 2016
28 July 2016 T: Members f the Hng Kng Institute f CPAs All ther interested parties INVITATION TO COMMENT ON INTERNATIONAL AUDITING AND ASSURANCE STANDARDS BOARD'S (IAASB) SURVEY CONSULTATION, THE IAASB'S
More informationCOUNCIL STAFF REPORT. City Council Members
COUNCIL STAFF REPORT CITY COUNCIL f SALT LAKE CITY TO: City Cuncil Members FROM: Nick Tarbet Plicy Analyst DATE: September 11, 2018 Item Schedule: 1 st Briefing: April 10, Sept 11 2 nd Briefing: May 1,
More informationArchitects in Victoria a view from the census
Assciatin f Cnsulting Architects The Business f Architecture Architects in Victria a view frm the census Prepared by Gill Matthewsn an ACA resurce ACA SA PO Bx 354 Unley Adelaide, SA 561 T +61 13 653 26
More informationI. GEOTHERMAL PERMITTING BLM EXPLORATION REGULATIONS
I. GEOTHERMAL PERMITTING BLM EXPLORATION REGULATIONS Definitin f explratin peratins (43 CFR 3200.1) Any activity that: requires physical presence n the land may cause damage t thse lands beynd casual use
More informationRental Assistance Demonstration Closing Overview & Checklist: Project Based Voucher (PBV) Conversions
In the fllwing fur sectins, this dcument prvides an verview f the RAD clsing prcess and instructins n the dcument submissin requirements fr PBV cnversins: 1) General verview f the clsing prcess; 2) Quick
More informationBOUNDARY LINE ADJUSTMENT
BOUNDARY LINE ADJUSTMENT FORM Yakima Cunty Public Services 128 Nrth Secnd Street Furth Flr Curthuse Yakima, Washingtn 98901 (509) 574-2300 1-800 572-7354 FAX (509) 574-2301 www.c.yakima.wa.us Revised 01/06/2016
More informationSection 12 SPECIAL REVIEW
Sectin 12 SPECIAL REVIEW OVERCROWDING AND SHARING OF HOUSING ACCOMMODATION IN HONG KONG AS REVEALED BY THE 1971 CENSUS This article gives a detailed accunt f the state f vercrwding and sharing f husing
More informationCity of Richmond Rent Control and Just Cause for Eviction. Fact Sheet
Page 1 City f Richmnd Rent Cntrl and Just Cause fr Evictin Fact Sheet As f: Octber 15, 2015 NOTE: On September 3, 2015, prpnents f a referendum n the Rent Cntrl and Just Cause fr Evictin rdinance timely
More informationDriving Transparency & Accountability with Real Estate Regulatory Act (RERA)
Driving Transparency & Accuntability with Real Estate Regulatry Act (RERA) CONTENT Understanding RERA 3 - Definitin & Objectives Features f RERA 4 - RERA Overview Hw des a builder make a prject RERA cmpliant?
More informationAPB Mission Statement:
APB Missin Statement: T frever preserve the beautiful farmland and prductive sils f Lancaster Cunty and its rich agricultural heritage; and t create a healthy envirnment fr the lng-term sustainability
More informationMyra / Manzanita Neighborhood Coalition 939 Manzanita Street Los Angeles, California
Myra Mananita Neighbrhd Calitin Ls Angeles, Califrnia 90029 3235334423 r CZ> iff \p February 7, 2018 VIA PERSONAL DELIVERY City f Ls Angeles, Office f the City Clerk Attentin: Planning and Land Use Cmmittee
More informationCity of Surrey ADDITIONAL PLANNING COMMENTS File:
City f Surrey ADDITIONAL PLANNING COMMENTS File: 7910-0151-00 PROPOSAL: Planning Reprt Date: April 18, 2011 Subdivisin within ALR under Sectin 946 f the Lcal Gvernment Act in rder t allw subdivisin f 4.16
More informationDisclosures...What You Need to Know!
presents Disclsures...What Yu Need t Knw! Califrnia Department f Real Estate Disclaimer Statement: This curse is apprved fr Cntinuing Educatin credit by the Califrnia Department f Real Estate. Hwever,
More informationALAMO HEIGHTS INDEPENDENT SCHOOL DISTRICT. Teacher Appraisal Process
ALAMO HEIGHTS INDEPENDENT SCHOOL DISTRICT Teacher Appraisal Prcess ALAMO HEIGHTS INDEPENDENT SCHOOL DISTRICT General Prvisins TEACHER APPRAISAL PROCESS Beginning with the 2017-2018 schl year, teachers
More informationTransportation/Utility Corridor (TUC) Program Policy
Transprtatin/Utility Crridr (TUC) Prgram Plicy April 2004 Land Planning Realty Services Branch Prperties Divisin Alberta Infrastructure Apprved by: Original signed by April 16, 2004 Eric J. McGhan Deputy
More information