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Deposit agreement 0 When you opened your account, you received a deposit agreement and fee schedule and agreed that your account would be governed by the arms of these documents, as we may amend them from time to time. These documents are part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and conditions of your account relationship may be obtained at our banking centers.Electronic transfers: In case of errors or questions about your electronic transfers 0 If you think your statement or receipt is wrong or you need more information about an electronic transfer (e. . , ATM transactions, direct deposits or withdrawals, point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of this statement as soon as you can.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. Tell us the dollar amount of the suspected error. For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will correct any error promptly.If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20 business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is made to your account) to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it will take to complete our investigation. For other accounts, we investigate, and if we find we have made an error, we c redit your account at the conclusion of our investigation.Reporting other problems 0 You must examine your statement carefully and promptly. You are in the best position to discover errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days after we make the statement available to you and in some cases are 30 days or less), we are not liable to you for, ND you agree to not make a claim against us for the problems or unauthorized transactions. Is fashion important? Deposit agreement 0 When you opened your account, you received a deposit agreement and fee schedule and agreed that your account would be governed by the arms of these documents, as we may amend them from time to time. These documents are part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and conditions of your account relationship may be obtained at our banking centers.Electronic transfers: In case of errors or questions about your electronic transfers 0 If you think your statement or receipt is wrong or you need more information about an electronic transfer (e. . , ATM transactions, direct deposits or withdrawals, point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of this statement as soon as you can.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. Tell us the dollar amount of the suspected error. For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will correct any error promptly.If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20 business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is made to your account) to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it will take to complete our investigation. For other accounts, we investigate, and if we find we have made an error, we c redit your account at the conclusion of our investigation.Reporting other problems 0 You must examine your statement carefully and promptly. You are in the best position to discover errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days after we make the statement available to you and in some cases are 30 days or less), we are not liable to you for, ND you agree to not make a claim against us for the problems or unauthorized transactions. Is fashion important? Deposit agreement 0 When you opened your account, you received a deposit agreement and fee schedule and agreed that your account would be governed by the arms of these documents, as we may amend them from time to time. These documents are part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and conditions of your account relationship may be obtained at our banking centers.Electronic transfers: In case of errors or questions about your electronic transfers 0 If you think your statement or receipt is wrong or you need more information about an electronic transfer (e. . , ATM transactions, direct deposits or withdrawals, point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of this statement as soon as you can.We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us your name and account number. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. Tell us the dollar amount of the suspected error. For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will correct any error promptly.If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20 business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is made to your account) to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it will take to complete our investigation. For other accounts, we investigate, and if we find we have made an error, we c redit your account at the conclusion of our investigation.Reporting other problems 0 You must examine your statement carefully and promptly. You are in the best position to discover errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days after we make the statement available to you and in some cases are 30 days or less), we are not liable to you for, ND you agree to not make a claim against us for the problems or unauthorized transactions.

Construction Safety Assignment Example | Topics and Well Written Essays - 250 words - 2

Construction Safety - Assignment Example The other is hazard training, mitigation and identification. Here supervisors and other employees need to be trained on how to avoid hazards and handle them if they occur. The other component is the various policies and procedures that a company follows in hazard control. There is also the training documentation needed so as to have only certified workers on the site. According to HSE (2010), these components in the actual plan are grouped into four: Plan Administration – organization, training requirements, accident management etc; Project health and safety guidelines – first aid and medical availability, attire, equipment operation and inspection, site restrictions, health hazards etc; responsibility – project manager, safety coordinator, supervisors and workers; and emergency components – emergency procedures, job safety analysis and phone numbers. Implementation of the plan cannot start without first developing the plan itself. After this relevant personnel with required expertise are sought. All the factors in relation to the site need to be considered e.g. geography, external influence e.g. political and social. Project indoctrination should take foot with set golden rules on health and safety procedures (HSE 2010). When the goals set are well executed using the plan then success needs to be

Testing and evaluation techniques Assignment Example | Topics and Well Written Essays - 500 words

Testing and evaluation techniques - Assignment Example The advantages of oral examinations for the teachers include quick assessment of students’ learning, assessment of students’ confidence, and assessment of the verbal and nonverbal communication skills. On the other hand, some disadvantages of oral examinations include more time consumption as compared to written exams, inefficient for in-depth assessment of students’ learning, and labor-intensiveness. Another negative aspect of oral examinations is that the environment can influence the students, which may result in affecting their ability to communicate effectively with their teachers. Project assignments are also a good way to assess students’ learning. Teachers can give assignments to the students, which they need to solve without getting any sort of assistance from the teachers. The advantages of project assignments for the teachers include proper assessment of students’ ability to do work independently, assessment of individual learning, and assessment of students’ writing skills. On the other hand, some disadvantages of project assignments include increased chances of plagiarism and difficulty in standardizing. However, the disadvantages are not able to overshadow the advantages of project assignments because they make students do something independently, which is very good for the students. Practical examinations are another way to assess students’ learning. In practical examinations, teachers give practical assignments to the students, which they need to complete under observation of their teachers. Practical examinations help teachers evaluate the related behaviors of the students during examination. Moreover, they also help teachers evaluate students’ critical thinking skills, psychomotor skills, and evaluations skills. The disadvantages of practical examinations are somewhat similar to oral examinations. Practical examinations are time consuming, labor-intensive, and difficult to standardize. Teaches can

A Matter of Personality Assignment Example | Topics and Well Written Essays - 500 words

A Matter of Personality - Assignment Example This research will begin with the statement that the type of personality characteristics that a store manager should possess is that of a people-centered personality: sociable, accommodating, understanding, caring, and taking into perspective the needs and demands of both, the customers and the employees – with committed adherence to the policies and procedures explicitly defined by the store or by the organization. These traits and characteristics are important to ensure the manager’s success because these traits signify genuine interest in addressing the concerns, needs, and demands of customers and employees; two of the most important stakeholders in an organization. When compared to the personality of Wallace, it could be deduced that he is more of a task-oriented manager; who does not have any concern for the well-being and interests of his employees or of the customers. He was noted to exhibit the â€Å"personality of an army drill sergeant†. In addition, h e was obviously not people-centered since he was described as uncaring, does not address the customers’ complaints, and does not even follow the policies of the organization, especially in terms of accommodating returns. The personality of Wallace evidently demotivates employees. As noted, the employees do not care about Wallace as their store manager; meaning, they do not have any established professional bonds to respect or follow his ideals.

Negligence Manslaughter Essay Example | Topics and Well Written Essays - 2000 words

Negligence Manslaughter - Essay Example The researcher states that murder is an ideal example of a case under criminal law as it is a crime that affects the interest of the public. The laws ensure that there is equality among individuals and the public in general. It prevents the public from negligence, thus facilitating responsibility. Criminal law is distinctive for uniquely serious potential sanctions and consequences for failure to respect its provisions and rules. All crimes have criminal elements, but the difference comes in when one evaluate the magnitude of each crime. An ideal example is capital punishment, which entail the jurisdiction of the most serious crimes. Some criminal offences lead to corporal punishment, and the resultant punishment is whipping or caning. However, many nations discourage such punishments and have made them illegal as a result of irresponsible use of the punishment. This is a crime that is clear and is, therefore, not considered a murder of less degree. There is a vast difference between murder and manslaughter. In murder, there must be the presence of malice while not present in a manslaughter case. Murder can be seen as a more serious case than Manslaughter, but it is not an excusable or justifiable killing to which punishment should be imposed. Under the common law and also current statutes, the case in question is either involuntary or voluntary manslaughter. The difference between this two is that, in voluntary manslaughter, there must be some serious body harm and also an intention to kill. While, in the case of involuntary manslaughter, these cases are not present. ... This was against the provisions of the constitution, in reference to public health (Gorr And Sterling 1999). It also a crime to neglect medical services of a result of the fear of the unknown; this means that it is an obligation to report to any public hospital in case of ailments. After evaluation of this case, it is agreeable that, it is a case under manslaughter. This is because Paul had no intensions to kill but ended up killing his wife. However, it is under negligence manslaughter where the defendant fails to attend to a singularly serious duty leading to death of another. In this condition, Paul did not fail to attend to his duty because of commitments, as that would be a defense raise on against his judgment; it was all as a result of fear of losing the child because of financial instability. From the scenario, it is evident that Paul has two cases to answer. The first case is going against the provisions of the Public health act, while the other is negligence manslaughter (H arwood, 2000). Manslaughter This is a crime that is clear and is, therefore, not considered a murder of less degree. There is a vast difference between murder and manslaughter. In murder, there must be the presence of malice while not present in a manslaughter case. Murder can be seen as a more serious case than Manslaughter, but it is not an excusable or justifiable killing to which punishment should be imposed (Fletcher, 1998). Under the common law and also current statutes, the case in question is either involuntary or voluntary manslaughter. The difference between this two is that, in voluntary manslaughter, there must be some serious body harm and also an intention to kill. While, in the case of involuntary manslaughter, these cases are not present. Murderer has

The Storm of 1928 Essay Example | Topics and Well Written Essays - 750 words

The Storm of 1928 - Essay Example The overwhelming number of dead bodies were just too much for the rescue team. With just a number of days the wetness and the sun that set the place made the bodies decay beyond recognition. Some of the bodies were burnt in the fire as there was nowhere the bodies could be taken for burial. This points to a lack of the preparation measures of such a disaster.  The evacuation measures that could be used to save people in case flood struck were largely lacking. Apart from those who instantly died from the overflowing water, others died as they tried to find their way to a safe place. They would travel long distance where the flood had thrown them without finding any help. Frail and weak, many of them died while in search for food and shelter. If there were a good rescue measure, some of these people could have been saved. For instance, use of state resources such as military helicopters that could have been sent to rescue the survivors.  The technological advancement perhaps has ma naged to enable things that were impossible do back then in 1928. For instance, the detectors that can be used to warn of any changing cyclone movement in oceans that would be alert of any impending danger. Despite the limit of the technology back then, there were alerts made through the Radio. The government should have made efforts to relocate those people close to the coastline. The fact some people went around telling others of the impending hurricane cannot be used as a justification that proper information was given to the victims.

Salem Witch Trials and Vengeance Essay Example for Free

Salem Witch Trials and Vengeance Essay In Arthur Millers play, The Crucible, vengeance plays a major role in the actions of the characters through the witchcraft trials in the Puritan village of Salem, Massachusetts in 1692. Anger, jealousy, rejection, and betrayal all occur throughout the play and are all things that could provoke someone to seek vengeance on someone else. Abigail Williams, niece of Reverend Parris, is one of the main characters who is very guilty of wanting vengeance on others throughout The Crucible. In Act I, the reader gets a taste of who each character is and the previous troubles theyve had with each other at Reverend Parris house, where many of the characters have come to check on Betty who is supposedly ill after a night of dancing in the woods. Abigail shows that she does not favor Elizabeth Proctor when Parris asks her why she was no longer a servant for the Proctor household. Abigail replied to him, â€Å"She hates me, uncle, she must, for I would not be her slave. Its a bitter woman, a lying, cold, sniveling woman, and I will not work for such a woman! † (Miller 1240). This statement foreshadows that there was an incident between the Proctors and Abigail while she was working for them. Then once Abigail and John Proctor are alone in Bettys room, she speaks to him about his affair with her and how she waits for him every night. He then tells her, â€Å"Abby, I may think of you softly from time to time. But I will cut off my hand before Ill ever reach for you again. Wipe it out of mind. We never touched, Abby. † (Miller 1246). This greatly angered Abigail. Feeling a sense of rejection, she decided that she needed to seek vengeance on Elizabeth, since she is unable to be with John. Also, when Abigail was alone with Betty and Mary Warren, she threatened to get vengeance on them if either of them turned her in. â€Å"And mark this. Let either of you breathe a word, or the edge of a word, about the other things, and I will come to you in the black of some terrible night and I will bring a pointy reckoning that will shudder you. And you know I can do it; I saw Indians smash my dear parents heads on the pillow next to mine and I have seen some reddish work done at night, and I can make you wish you had never seen the sun go down! † (Miller 1244). After reading about Abigails anger towards the other characters, it is very evident that she will be a major problem throughout the rest of the play. Knowing that Abigail was very angry about John Proctor, it was like her character to get accusations in order against Elizabeth Proctor. Not only did Abigail hate Elizabeth, but she also saw her as the only thing holding John back from being with her, which is selfish, yet typical. In Act II John and Elizabeth end up arguing about him going into Salem that day, which turned into an argument about Johns affair with Abigail. It is then, that Mary Warren comes home with a poppet to give to Elizabeth as a gift. Once Mary informs them that Elizabeths name was mentioned in court she automatically knows that Abigail has to be behind this searching for vengeance. â€Å"It is her dearest hope, John, I know it. There be a thousand names; why does she call mine? There be a certain danger in calling such a name I am no Goody Good that sleeps in ditches, nor Osburn, drunk and half-witted. Shed dare not call out such a farmers wife but there be monstrous profit in it. She thinks to take my place, John. † (Miller 1274). When Elizabeth was about to get taken away after finding the poppet, John was angry and said, â€Å"If she is innocent! Why do you never wonder if Parris be innocent, or Abigail? Is the accuser always holy now? Were they born this morning as clean as Gods fingers? Ill tell you whats walking Salem vengeance is walking Salem. We are what we always were in Salem, but now the little crazy children are jangling the keys of the kingdom, and common vengeance writes the law! This warrants vengeance! Ill not give my wife to vengeance! † (Miller 1283). Act III of The Crucible takes place in court and John Proctor ends up confessing to having an affair with Abigail when he says, â€Å"She used to serve me in my house, sir. A man may think God sleeps, but God sees everything. I know it now. I beg you, sir, I beg you see her what she is She thinks to dance with me on my wifes grave! And well she might, for I thought of her softly. God help me, I lusted, and there is a promise in such sweat. But it is a whores vengeance† (Miller 1309). Not only did this cause an emotional breakdown for John, it also disclosed that Abigail only set Elizabeth up with the needle in the poppet to get her out of the way so she could be with John. Even though Abigail had managed to get vengeance on Elizabeth Proctor, she still did not reach her goal of being with John Proctor. Instead, all of her conniving tricks, ridiculous accusing, ealousy, lying and pretending led John to his death; leaving Abigail Williams with nothing but â€Å"his name†. In this play, the salvation of innocent people has been sacrificed for the satisfaction of one seeking vengeance on another; innocent or not, confession was the only way to get out of death. It goes to show that vengeance can go a long way if the hatred, jealousy and anger is strong enough. In Arthur Millers play, The Crucible, vengeance plays a major role in the actions of the characters through the witchcraft trials in the Puritan village of Salem, Massachusetts in 1692.