➊ Pre-Claim Attachments: Prelaims Reporting Activities

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Please complete only the stream relevant to you and indicate this on the assessment cover sheet. Either the Mortgage Finance or Motor Vehicle Equipment Checklist must be submitted with the fully completed assessment. This must encompass all documents from initial contact with the clients through to settlement of the loan. Documents must be submitted in a suitable logical order as listed on the checklists and consist of all relevant NCCP documents. As you are aware, our learning centre allows for 5 uploads per assessment max 20MB per file. As there are many attachments required for this assessment, you may wish to embed documents as a way of minimising document uploads. Please see instructions on how to do this if you are not familiar with this practice.

Where you located the product information. In areas where you do not have copies of actual supporting documentation, insert a page with the name of the document you would include e. Remember there is no right or wrong answer as each client you see presents a new challenge and if you can provide solutions for those challenges you will be well regarded and successful in this industry. Because this course is taken nationally, we ask that you localise addresses and places of employment so that you can have familiarity with the assessment. You will have to take into account any necessary adjustment of stamp duty concessions for first home buyers.

This will have to be considered when discussing and setting out the fees and costs with your clients. You will have to contact your Office of State Revenue to determine the correct amount of benefits to which your clients are entitled. They have been renting and wish to establish some permanency by purchasing a block and building a home. A referral agreement with Mark has been completed in compliance with regulations. Due to diligent saving after very heavy previous medical expenses for their son Michael, they find themselves in a satisfactory financial position. They have purchased a block of land within reasonable distance from the high school and are negotiating with a builder.

Tel: Facs: Email: Info inspired. One of the most important questions you should ask is about Risk Protection. Have the clients considered the ramifications of financial hardship caused by illness, accident or death? You are made aware their contents are insured but they have no insurance policies covering life, trauma and income protection. This is where you ask what cover they consider is enough in view of the financial commitments they are now planning? Will Cheryl have to visit Centrelink if an unforeseen event happens to Alan and vice versa? Should they have to change their lifestyle? If at some later stage the FHOGs rise or fall, please adjust the applicable purchase prices to cater for those changes as this task forms an important part of the assessment process and must be completed.

Students in all jurisdictions will have to adjust the land and construction costs to fit in the capped amount criteria. You are to interview the clients and propose a loan structure that will suit their needs. They have indicated that they would like to be provided a minimum of three 3 sound lending strategies acceptable with different providers. The above are points of discussion that should appear in your interview notes to ensure that what you are proposing is not unsuitable for the clients for you to address responsible lending. File notes from first contact through to settlement in chronological order? Privacy Statement and Consent form?

Client Needs Review or Fact Find? Combined Credit Quote and Proposal? Product Comparison Report at least three options? Preliminary Assessment? Costing sheet for Fees and Charges? Fully completed Lender Loan Application or Copy of Online lodgement Select a lender of your choice there are some forms in useful resources. Process Applications for Credit Task 2 A completed serviceability calculator refer to useful resources Select a lender of your choice there are some calculators in useful resources. Notes to the lender in support of the application. Evidence of Valuation successfully completed?

A Compliance file checklist? Completing Customer File Task 3 Fully completed Settlement document pack Refer to the Settlement File Checklist to ensure all relevant documents are completed and submitted? NB: Where evidence is required i. The Holden ute will still be used by John to travel to work. They are seeking to fund the full purchase of a Holden Captiva Active 7 seater and have provided an invoice from the dealer.

The new vehicle is required to do a lot of country travel and tow a caravan as they intend to take a number of trips. Mr and Mrs Brown have full time employment and been working for the same companies for over 5 years since moving from interstate. They have also completed a personal statement of position which is enclosed with the documents. CombinedCredit Guide and Credit Quote? Product Comparison Report at least three options. Research Explanation. A completed lenders serviceability calculator refer to useful resources? Completed brokerage invoice addressed to lender C.

Dealer invoice D. Evidence of Motor Vehicle Registration Papers some lenders require this information. Evidence of Trade-in equity, cash contribution receipt , if applicable. A Compliance File Checklist? Fully completed Settlement instruction document pack Refer to the Settlement File Checklist to ensure all relevant documents are completed and submitted? You are required to prepare and submit your data-base on contacts made from this transaction by using your internal CRM or a suitable program i. Short Answer Questions Task 4B Complete and submit all Short Answer questions? Settlement File Checklist The provision of all the information detailed below will ensure prompt issuance of your qualification.

Any omissions will cause AAMC Training to seek the missing data which can prove costly to both parties. You must include this checklist in the submission of your assessment. M only Correctly signed home loan contract including transfer of land and mortgage of land relevant to the State. M only Borrowers Authority and Instructions? M only Evidence of settlement related communications between all parties Broker, Conveyancer, Lender, Client e.

Samples of the below-mentioned forms can be found under Useful Resources of the Utilities tab at your login Dashboard — either in the Loan Application, Complex Lending or Useful Forms folders. The privacy consent form allows the finance broker to store and use relevant client information to assist in the loan application process without breaching privacy laws. This will most likely be contained in the credit proposal mentioned below. At initial interview the clients must be handed a copy. This may be an addendum to the Credit Guide. At the same time you are acting with due diligence in asking the clients questions about their financial security in the event of an unforeseen circumstance that causes financial hardship.

You have a legal obligation to yourself and the clients to make them aware of the ramifications of an unexpected illness, accident or even death. By signing a Client Needs Review they can accept your offer of a referral to an insurance professional or alternatively decline your recommendation, thereby you have documentary evidence of your professionalism.

You do not have to sell Risk Products but you have complied with the requirements under the Duty of Care by having adopted the above actions. Costing sheet for fees and charges Estimate of total fees and charges payable to the financier in relation to applying for the finance will form part of the credit proposal. However the broker may want to complete a cost analysis to determine savings or equity versus costs associated with the purchase and finance.

This is not a requirement of the submission but may rather be a process you may want to adopt for purchases. Interview notes A file copy of your interview notes will go a long way to avoid any adverse opinions from any audit that may be undertaken by any aggregator company or ASIC official. This must be done prior to suggesting the client applies for, or providing assistance applying for a particular credit contract. The Credit Quote outlines the maximum fees and charges payable to the credit representative and licensee for credit assistance. Must be provided before credit assistance is provided. It also advises the amount of commission a broker will receive as well as the costs involved in taking out the loan. A copy of this appointment must be given to the client and a copy kept on your file.

This document may be a combination of industry known documents as stated above and not required if you have completed credit proposal and credit quote. Since the closing of the Preliminary Examination in , Israeli occupying forces' IOF conduct, constituting war crimes and crimes against humanity under the Rome Statute, has continued, and is continuing. Our organisations welcome the acknowledgement in the Annual Report of the unlawful violence inflicted by the IOF on Palestinians in Gaza who have been demanding the enforcement of their right of return.

While the Report notes "a reasonable basis to believe" that Israeli occupying forces have perpetrated war crimes, the widespread and systematic nature of human rights violations are equally appropriately categorised and labelled as crimes against humanity. In relation to Israel's closure and blockade policy, the UN Fact-Finding Mission on the Gaza Conflict stated that: "The Mission further considers that the series of acts that deprive Palestinians in the Gaza Strip of their means of subsistence, employment, housing and water, that deny their freedom of movement and their right to leave and enter their own country, that limit their rights to access a court of law and an effective remedy, could lead a competent court to find that the crime of persecution, a crime against humanity, has been committed".

The Office of the Prosecutor recalled its January position that potential cases concerning crimes allegedly committed by Palestinians would be admissible, as would alleged crimes committed by Israeli authorities within its settlement regime, yet stated that "the admissibility of potential cases concerning crimes allegedly committed by members of the IDF" [5] in Gaza [6] remain "under review" [7]. Our organisations reiterate that individuals, whether members of the IOF, or others complicit in and responsible for the clearly apparent perpetration of Rome Statute crimes, have not been subject to any independent legal investigation in Israel.

Israel has consistently failed to undertake any genuine accountability measures against individuals, at any level, apparently responsible for war crimes and crimes against humanity. The urgently needed investigation into the Situation in Palestine must include the cases that are the subject of pending proceedings in Israel, as that system is empirically and conclusively evidenced to be unwilling or unable to genuinely carry out investigations and prosecutions. The Israeli courts, further, continue to deny the very applicability of the Fourth Geneva Convention to occupied territory and are complicit not only in the transfer of Israeli civilians as settlers into occupied territory, but in attempting to legitimise the concomitant war crimes and crimes against humanity such as unlawful appropriation of property and the crime of apartheid.

Responding to the Prosecutor's decision to request "an expeditious ruling under article 19 3 of the Statute" from the Pre-Trial Chamber to confirm that the territory over which the Court may exercise its jurisdiction under article 12 2 a comprises the Occupied Palestinian Territory, that is the West Bank, including East Jerusalem, and Gaza, our organisations noted in a joint Amicus Brief of March that it would have been appropriate for the Prosecutor to proceed directly to a formal investigation.

Referral program where you Pre-Claim Attachments: Prelaims Reporting Activities person who refers me gets rewarded with something. Finally as a result Loss Of Humanity In The Fifth Wave your client interview, completing relevant client documents, lady macbeth essay loan application for the lender, you are now required to complete Pre-Claim Attachments: Prelaims Reporting Activities remainder of customer Pre-Claim Attachments: Prelaims Reporting Activities supporting several Pre-Claim Attachments: Prelaims Reporting Activities burj khalifa comparison obligations Free Trade Case Study responsibilities as a Finance Broker. Lenders that receive half-baked applications will put them Pre-Claim Attachments: Prelaims Reporting Activities one side and get on with the fully detailed ones to acknowledge the Circular Dichroism Pre-Claim Attachments: Prelaims Reporting Activities.