Westpac's night safe facility allows clients to securely deposit cash overnight without keeping it on their premises. Clients can make night safe deposits in Westpac Business Express Deposit envelopes or night safe wallets, which branches clear twice daily. Westpac has limited liability for night safe contents that is limited to the cash amount and does not include checks or merchant envelopes. Clients are responsible for additional insurance and retaining check records in case items are lost or destroyed.
Real estate principles_powerpoint_for_chapter_10Morten Andersen
The document discusses deeds of trust, which is an alternative to a mortgage. In a deed of trust, the borrower is called the trustor, the lender is called the beneficiary, and a neutral third party acts as trustee. While the trustee holds title to the property, this is only to protect the lender's interest in the property. As long as payments are made, the borrower retains possession and use of the property. The deed of trust allows the lender to take possession more quickly if payments are missed compared to a mortgage. It also avoids statutory redemption periods after foreclosure.
Brookline Bank offers a foreign exchange service that provides competitive exchange rates, transparency in payments, and robust security features to make foreign exchange transactions more profitable, faster, and secure. The service allows users to hold foreign currency balances, complete transactions quickly within 2 days, and features user-friendly interfaces to correctly organize payments and avoid mistakes. Brookline Bank can now deliver sophisticated foreign exchange solutions locally with personal attention.
The document promotes an investment opportunity in private real estate lending. It claims investors can earn higher, secure returns compared to traditional investments. The company buys and renovates homes, then matches investors' funds to properties as collateralized loans. Investors receive documentation including promissory notes, mortgages, and insurance to secure their principal and promised returns. Examples show potential returns could be significantly higher than a 5% savings account rate. Interested investors are instructed to contact the company to discuss investment amounts and terms.
The document discusses Punjab National Bank's locker facility policies. It states that lockers provide a safe space for customers to store valuables for a nominal annual rent. Only customers with savings or current accounts can avail lockers, and minors cannot lease lockers. There are registration fees that vary by location, and security deposits are required. The document outlines the locker types, rental fees, operating procedures, and policies for non-payment of rent such as rent recovery efforts, lock break opens, and appropriating contents to cover debts owed to the bank.
Activity on cash handling operations (1)Ela Mohanraj
The document provides guidelines on various cash handling procedures that bank staff should follow, including:
- Key holders must jointly open the vault 15 minutes before business hours and verify the previous day's closing balance. Only minimum cash needed should be removed from the vault.
- The retention limit is a daily cash limit set by the bank's head office to ensure branches have enough cash for transactions but also work efficiently within limits. Excess cash should be remitted to currency chests.
- If a key holder is delayed, another officer can open the vault using duplicate keys lodged at a nearby branch. The procedure when key holders go on leave is also outlined.
The TSL Alliance composed of Transfield Services, A.J. Lucas and Sinclair Knight Merz submitted a proposal to the Water Corporation to extend the Integrated Water Supply System and secure future water sources by designing, building, and commissioning ten bores, pipelines, power cables, and a water treatment plant at Yarragadee. The proposal addresses the need to complete the Yarragadee project by October 2009 and details the Alliance's expertise in design, construction, and commissioning of water infrastructure projects. The TSL Alliance brings leadership experience from over 50 major projects nationally and a proven ability to manage risks and resources to deliver the Yarragadee project on schedule.
Improvements to your National Investment TrustPaul Eveleigh
The National Investment Trust (NIT) account will undergo several changes in April 2009, including a new name (MLC MasterKey Unit Trust), new logo and colors, more frequent reporting (such as quarterly reports), and more flexible online account access and transactions. An enclosed information sheet and documents sent in April will provide details on balances, the new product disclosure statement, and how to access the updated account. Customers with questions should call the customer service center.
Real estate principles_powerpoint_for_chapter_10Morten Andersen
The document discusses deeds of trust, which is an alternative to a mortgage. In a deed of trust, the borrower is called the trustor, the lender is called the beneficiary, and a neutral third party acts as trustee. While the trustee holds title to the property, this is only to protect the lender's interest in the property. As long as payments are made, the borrower retains possession and use of the property. The deed of trust allows the lender to take possession more quickly if payments are missed compared to a mortgage. It also avoids statutory redemption periods after foreclosure.
Brookline Bank offers a foreign exchange service that provides competitive exchange rates, transparency in payments, and robust security features to make foreign exchange transactions more profitable, faster, and secure. The service allows users to hold foreign currency balances, complete transactions quickly within 2 days, and features user-friendly interfaces to correctly organize payments and avoid mistakes. Brookline Bank can now deliver sophisticated foreign exchange solutions locally with personal attention.
The document promotes an investment opportunity in private real estate lending. It claims investors can earn higher, secure returns compared to traditional investments. The company buys and renovates homes, then matches investors' funds to properties as collateralized loans. Investors receive documentation including promissory notes, mortgages, and insurance to secure their principal and promised returns. Examples show potential returns could be significantly higher than a 5% savings account rate. Interested investors are instructed to contact the company to discuss investment amounts and terms.
The document discusses Punjab National Bank's locker facility policies. It states that lockers provide a safe space for customers to store valuables for a nominal annual rent. Only customers with savings or current accounts can avail lockers, and minors cannot lease lockers. There are registration fees that vary by location, and security deposits are required. The document outlines the locker types, rental fees, operating procedures, and policies for non-payment of rent such as rent recovery efforts, lock break opens, and appropriating contents to cover debts owed to the bank.
Activity on cash handling operations (1)Ela Mohanraj
The document provides guidelines on various cash handling procedures that bank staff should follow, including:
- Key holders must jointly open the vault 15 minutes before business hours and verify the previous day's closing balance. Only minimum cash needed should be removed from the vault.
- The retention limit is a daily cash limit set by the bank's head office to ensure branches have enough cash for transactions but also work efficiently within limits. Excess cash should be remitted to currency chests.
- If a key holder is delayed, another officer can open the vault using duplicate keys lodged at a nearby branch. The procedure when key holders go on leave is also outlined.
The TSL Alliance composed of Transfield Services, A.J. Lucas and Sinclair Knight Merz submitted a proposal to the Water Corporation to extend the Integrated Water Supply System and secure future water sources by designing, building, and commissioning ten bores, pipelines, power cables, and a water treatment plant at Yarragadee. The proposal addresses the need to complete the Yarragadee project by October 2009 and details the Alliance's expertise in design, construction, and commissioning of water infrastructure projects. The TSL Alliance brings leadership experience from over 50 major projects nationally and a proven ability to manage risks and resources to deliver the Yarragadee project on schedule.
Improvements to your National Investment TrustPaul Eveleigh
The National Investment Trust (NIT) account will undergo several changes in April 2009, including a new name (MLC MasterKey Unit Trust), new logo and colors, more frequent reporting (such as quarterly reports), and more flexible online account access and transactions. An enclosed information sheet and documents sent in April will provide details on balances, the new product disclosure statement, and how to access the updated account. Customers with questions should call the customer service center.
This document provides tips for effective writing and communication. It advises to:
1) Grab readers' attention with compelling opening sentences that persuade them to read on.
2) Get thoughts down quickly, then edit for clarity and concision.
3) Address the reader directly using "you" for a more personal tone.
4) Use simple, clear language over longwinded phrases that frustrate readers.
Sigma Company Limited is inviting tenders for preventative maintenance of diesel generators at its sites across Australia for a potential 6-year contract. The maintenance would include regular inspections, full annual services, and 24/7 emergency response. Tender submissions will be evaluated based on customer service, resources, price, and experience maintaining generators. Interested parties should review the site locations and examples of required maintenance to prepare their tenders which are due by August 3rd.
This document is an invitation to tender for national security guard services from Sigma Company Limited. It provides details about the tender, including:
- The tender is for a 3 year contract with the option to extend for another 3 years.
- Sigma distributes pharmaceutical products across Australia and needs security guards to protect its high-value inventory.
- The tender process timeline and requirements are outlined, including a briefing session for interested parties.
- Tenders will be evaluated based on customer service, resources, innovation, price, experience, and health and safety policies.
- Site visits are recommended to understand Sigma's site sizes and locations across Australia. Laws and checks must be followed. Contract performance will be monitored.
All employees must comply with our Code of Business Conduct, which prioritizes integrity, ethics and legal compliance. Refresher training is conducted annually and an independent auditor evaluates how our conduct measures up against our standards.
This document provides tips for effective writing and communication. It advises to:
1) Grab readers' attention with compelling opening sentences that persuade them to read on.
2) Get thoughts down quickly, then edit for clarity and concision.
3) Address the reader directly using "you" for a more personal tone.
4) Use simple, clear language over longwinded phrases that frustrate readers.
Sigma Company Limited is inviting tenders for preventative maintenance of diesel generators at its sites across Australia for a potential 6-year contract. The maintenance would include regular inspections, full annual services, and 24/7 emergency response. Tender submissions will be evaluated based on customer service, resources, price, and experience maintaining generators. Interested parties should review the site locations and examples of required maintenance to prepare their tenders which are due by August 3rd.
This document is an invitation to tender for national security guard services from Sigma Company Limited. It provides details about the tender, including:
- The tender is for a 3 year contract with the option to extend for another 3 years.
- Sigma distributes pharmaceutical products across Australia and needs security guards to protect its high-value inventory.
- The tender process timeline and requirements are outlined, including a briefing session for interested parties.
- Tenders will be evaluated based on customer service, resources, innovation, price, experience, and health and safety policies.
- Site visits are recommended to understand Sigma's site sizes and locations across Australia. Laws and checks must be followed. Contract performance will be monitored.
All employees must comply with our Code of Business Conduct, which prioritizes integrity, ethics and legal compliance. Refresher training is conducted annually and an independent auditor evaluates how our conduct measures up against our standards.
1. 1
Before and after rewrite sample of Westpac Institutional Bank bid library
BEFORE
Night Safe
To ensure greater security and peace of mind <<clientShort>> can remove the need of keeping cash on its
premises overnight through the use of Westpac’s Night Safe facility.
Night Safe deposits can be made in either a Westpac Business Express Deposit (BED) envelope (small
envelope only) or a Night Safe wallet and are cleared twice daily at branch locations (Off-site Night Safes are
cleared daily) on bank business days.
Should <<clientShort>> require Night Safe facilities at more than one branch, it’s relationship team can
assist in introducing the local branch manager to arrange the Night Safe agreement.
Provision ofNight Safes
To receive access to a night safe a ‘Conditions of Use and Agreement’ form will need to be completed. Once
identification procedures are met <<clientShort>> will be provided with a key to the night safe, along with a
night safe wallet or BED envelopes.
Liability of Contents
Westpac's liability for the contents of deposits lodged via the Night Safe facility is limited and covers only
cash contained in the envelope/wallet and not cheques and/or merchant envelopes.
Westpac’s liability for BED envelopes and wallets lodged through the Night Safe is limited to 'said to contain'
and will be effective when the lodgement of the envelope has been confirmed by recording it on the BED
register sheet or Register Of Night Safe Wallets.
<<clientShort>> will be responsible for insurance requirements beyond Westpac’s liability and is to retain
detailed cheque listings so that in the event cheques are lost, stolen or destroyed, they can contact the
drawer/s and request replacement cheque/s.
Westpac is not liable for any discrepancies located when processing BEDs. Please refer to the Business
Express Deposit Conditions of Use for further information if required.
2. 2
AFTER REWRITE
Night Safe
For greater security and peace of mind our night safe removes the need to keep cash on your property
overnight.
You make night safe deposits in either our Business Express Deposit (BED) envelope (small envelope only)
or a night safe wallet. We clear them twice daily at branch locations (we clear offsite night safes daily) on
bank business days.
If you need a night safe at more than one branch, our relationship team can introduce the local branch
manager to arrange the night safe agreement.
Provision ofNight Safes
To receive access to a night safe you complete a ‘Conditions of Use and Agreement’ form. Once you meet
identification procedures we provide you with a night safe key, and a night safe wallet or BED envelopes.
Liability of Contents
We have limited liability for the contents of deposits lodged via the night safe. Liability covers only cash in the
envelope/wallet and not cheques and merchant envelopes.
We limit liability for BED envelopes and wallets lodged through the night safe to 'said to contain’. Liability is
effective when we confirm lodgement of the envelope by recording it on the BED register sheet or Register of
Night Safe Wallets.
You are responsible for insurance beyond our liability. You also hold onto detailed cheque listings. If you lose
cheques or have them stolen or destroyed, you can contact the drawer/s and ask for replacement cheque/s.
We are not liable for any discrepancies found when processing BEDs. For more, please see Business
Express Deposit Conditions of Use.