...NCC BANK LTD. ANNEXUR- ‘A’ Loan Documentation Checklist |Borrower : |M/S.Chandra Spinning Mills Ltd. CD A/C# 0210008345 | |Registered Address : |240 Tejgao Industrial Area, Dhaka-1208 | |Status : |Private Limited Company | |Loan A/c. No.: |SOD(G) -0140000771, LTR, PAD,LFS. | |Sl No. |Nature of Facilities |Amount |Validity | |01 |LC/PAD |750.00 lac |30.06.2012 | |02 |LTR |700.00 lac |30.06.2012 | |03 |SOD(G) |50.00 lac |30.06.2012 | |04 |LDBP/FDBP |1000.00 lac |30.06.2012 | 01. General Documents: |Sl No. |Description ...
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...Homework 1: Part 1: H Partners and Six Flags Case Study. Following questions are based on the case study. 1. Briefly describe the reasons for Six Flag’s deteriorating performance. Do you believe the core business is sound? (Note-I am not looking for a very long answer. The reasons for bankruptcy will play a big role in your decision to invest or not invest in a company. For instance: a business cycle downturn vs new research that shows company’s products are harmful for people (think asbestos)) Due to the volatile state of Six Flags between 2003 and 2009, one could conclude that Six Flag’s business model was not financially sound. In looking at comparable firms such as Disney or Universal Studios, the amusement parks are not their only component in their business model. In addition to being poorly diversified, Six Flags sold tickets at steep discounts and heavy promotions, which drove the average ticket price to $21.10 in 2008. Unlike their competitors, the parks are marketed to consumers within 100 miles of the park. Firms like Disney and Universal have both domestic and international tourists, the majority of which come from more than 100 miles away. This leaves Six Flags with limited same-park growth because they are limited to the population within driving distance to the park. Furthermore, an unfortunate sequence of events hit the company in 2009. The outbreak of the H1N1 (swine flu virus) caused the Mexico City park to shut down and negatively impacted...
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...Tester Brilliant, brutal, overwhelming, a con job, those are all words that are being used to describe the new film �Precious,� which is based on the novel �Push� by Sapphire. It tells the story of a 16-year-old black girl living in Harlem in the Reagan years, whose impassive face and huge girth are no mask for the pain she is carrying - the pain of unrelenting physical and sexual abuse at the hands of both parents. But somehow she finds a way to survive. The film produced by entertainment superstars Oprah and Tyler Perry and produced and directed by Lee Daniels, who also produced such provocative films as �Monsters Ball� and �The Woodsman,� has already scooped up awards at various film festivals and been touted as Oscar material. But it has also opened up some difficult conversations about race and poverty, about sexual abuse, and about skin color, even about how black filmmakers portray dark-skinned people. In a few minutes, we'll talk about just how real �Precious� is. How real her story is. We'll talk to a human rights activist who advocates for incarcerated, women many of whom have been victims of exactly the kind of abuse depicted in the film. But first, we're going to talk about some of the cultural conversations being sparked by �Precious.� The online magazine the Root has published a number of pieces related to the film and two of the writers are with us now. Teresa Wiltz is the Roots' senior culture writer and she's also serving as interim managing editor. She's...
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...charge decreases for each client referred. A large portion of our clients finds difficulty in paying the quarterly finance charges, as some clients pay their sales and employee taxes quarterly. As a referral incentive, we will offer a percentage of fees waived. Mazon Associates, Inc (2015), a competitor of ours, offers a 10% referral fee payment based for the term of the client relationship. This small referral fee payment can make a big difference in our clients’ checkbooks. To stay competitive and grow in the asset-based lending market, we must do something that benefits the client to earn their trust and referral. If this product launch does not take-off quickly, we may need to implement into the Business Development Officers marketing collateral that is distributed on a monthly basis. Since the product depends on our Underwriting and Credit teams to book, we will need to devote a six-month program to see the true results of this incentive. Since this incentive will be based on the performance of the referral, no direct costs to our Cost Centers will occur unless we retain new clients to the portfolio. The largest cost will be the...
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...1-The way a creditor such as a bank or supplier obtains security for the credit they extend is by taking collateral in the debtor’s personal property. In order for a security interest to be legally enforceable it needs to be attached to the goods of the debtor. The UCC [9-203] lists the three basic requirements for attaching the security interest to the goods of the debtor. The first is an agreement where the debtor grants the creditor a security interest in the specific property the debtor has an interest in. Included in the agreement are the terms of default, a reasonable description of the collateral and any provisions the creditor wants to impose on the debtor. In addition the debtor must have rights on the collateral and the creditor must give the debtor value. 2-Creditors would seek to perfect their attachments in order to obtain maximum protection against other creditors. Perfection is the way a creditor attaches his security interest to collateral and obtains protection against other creditors or purchasers of the collateral from the debtor. The bank would write a financing statement against any personal property such as equipment or inventory that Elaine’s business acquired or will acquire in the future. The financing statement must include the names of both the debtor and secured party as well as a description of collateral covered. The bank would then file it with the appropriate public office. While any property acquired in the future would be attached...
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...Profile Summary: ------------------------------------------------- A capable, ambitious and successful investment banking professional with 3+ years of experience, who possess a broad and deep knowledge of Prime Services Stock Lending and Borrowing business. Gained expertise in cash collateral, Stock Loan billing, Trade Support , Equities Settlements and Reconciliation of securities Lending business / Stock Borrow Lending. ------------------------------------------------- ------------------------------------------------- Associate Process Manager at Eclerx-Credit Suisse Process: Stock Borrow Lending- Billing EMEA and NY (Equity Middle Office Operations) Period: Since Mar-2015 to till date. Roles and Responsibilities: * Settlement of SBL fees, rebates with various external counterparties, prime brokerage clients, PTH accounts and Platinum clients. * Reconciliation of Statements for settlement of fees. * Reconciliation of cash A/c’s (Intellimatch nostro) * Daily Reconciliation of BM vs Peoplesoft * Month end Glass reconciliation of pay-receive accounts in Peoplesoft. * Daily reconciliation of Intercompany accounts. * Working closely with Clients, Technology and various internal counterparts to ensure efficient client service. * Advise cash management team to ensure correct cash funding before currencies deadlines * Ensure all nostro breaks are reviewed as per defined age bracket and SLA (Service Level Agreement) with client...
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...Teamwork Unit 6 Criminal Procedure and Constitutional Protections CCL 2134-9 Instructor: Timothy R. Walsh Everest University Group C: Team C Timothy Moseley (Team Leader) Brandi Hendricks Victor Munoz Amanda Mroz 2 July 2009 Decide if Double Jeopardy, and Collateral Estoppel, applies in any of the four situations and explain why or why not. Double jeopardy is defined as “a provision of the Fifth Amendment of the United States Constitution that has been construed to prohibit an individual from being tried twice for the same crime prosecuted by the same sovereign jurisdiction unless the defendant waives the constitutional protection by appealing a conviction or otherwise” (Town, 2004, p. 584). Collateral Estoppel is defined as “where a fact necessary to the prosecution of a second but different case against the defendant has been clearly found in the defendant’s favor at the first trial, the defendant cannot be forced to relitigate the same fact a second time at a second trial involving the same sovereign” (Town, 2004, p. 583). 1) Where defendant fled by vehicle from California into Arizona, and both states tried defendant for drunk driving. “Double Jeopardy applies in this situation. The defendant is being charged with the same crime twice” (Hendricks, 2009). “This would be Double Jeopardy because he has been charged with the same crime twice” (Munoz, 2009). “The defendant broke the law in to different states so I don’t think that is would be a double...
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...Henry Lehman created a small general store selling groceries and dry goods to local farmers in 1844. Shortly after, Henry’s two brothers, Emmanuel and Mayer, joined the business. The three brothers established the business known as Lehman Brothers in 1850’s. The business transitioned from selling merchandise to commodities brokers, where they bought and sold cotton. Lehman Brothers grew rapidly due to the capitalization of high cotton prices. A partnership was formed with a cotton merchant that allowed Lehman Brothers to pursue other venues. Through strategic partnership the business survived the difficult times it experienced during the Civil War. Lehman Brothers opened a new office in New York which became the main campus for its operations. This office furthered their trading business and introduced them to the financial industry. In later years, Lehman became involved in the New York stock exchange where the underwriting business began. The firm grew rapidly and was very successful for years. After many years of hard work and success the company collapsed and filed for bankruptcy in 2008. Lehman had been unhealthy for a while and covered it up by secretly shuffling debt around to make its books look in order and deceive the real situation. Lehman used an aggressive accounting method to hide their losses and made it difficult for investors, executives and/or auditors to detect their actual financial status. This accounting method is known as REPO 105, which...
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...Forensic Critique #1 Box 100 July 13, 2012 EVALUATION A 1. Was there a mental disease or defect at the time of the crime? If yes, what type? I believe Ms. Y exhibited a deficit during the crime and would attribute that deficit to some kind of developmental and intellectual impairment. The evaluation mentioned review of previous assessments in which Ms. Y was given a diagnosis of Mild Mental Retardation (Code 317). This type of diagnosis includes criteria of an IQ level of 50-55 to 70, an ability to achieve social and vocational skills for minimum self-support, but also may need supervision and guidance. Individuals diagnosed with MMR also tend to show impairment in communication, self-care, social and interpersonal skills, home living, use of community resources, self-direction, academic skills, work, health, leisure, and safety. Ms. Y has a history of being able to obtain work that requires minimal skills but demonstrated an inability in performing simple addition and subtraction as well as being unable to iron a shirt. Also, supplemental information indicates a lack of mental capacity consistent with what is indicated by the current assessment. The need for assistance is more critical for individuals diagnosed with MMR when they experience unusual social or economic stress. These individuals are able to live independently or in supervised settings with proper support. Ms. Y has also shown a lack of understanding of the event in which she wrote a “hot check” which she feels...
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...The Process of Clinical Assessment helps the provider understand how problems persist and how they can be modified. It also helps the provider understand the nature of the problems, symptoms, complaints or dilemmas presented in the patient population (Messer & Gurman, ). The process of clinical assessment is especially useful for my field placement because I conduct assessments, diagnose patients, and determine potential levels of care while providing one-on-one therapy. The unique element is that my placement is located at a correctional facility. Patients are often not compliant with treatment in the community and incarceration is often their first contact with mental health providers. Patients with documented histories often have an...
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...Assignment: Clinical Assessment Chaz Hedgspeth Axia College What other information would you like to learn during the interview with the family? What questions would you ask? If I were interviewing the family I would want to know extensive information about the child, including her home life, her life at school, and what types of relationships she has in both environments. Does she interact with the children well at school? Does she get punished for doing bad and rewarded for doing well? I would also want to know when she started behaving this way in the first place. Has she always behaved in this fashion? When did the behavior begin? Knowing if the behavior has affected her everyday living would be essential as well and if they feel like she is a threat to herself. Do her teachers say anything about her in the classroom? Is her attitude affecting her grades? Do you as the parents feel like your child is a threat to herself or anyone else around her? Finding out all of the information about the child’s life is essential to getting a complete outlook on what the possibilities of her behavior are. In addition to the clinical interview, what other types of assessments would you utilize? What would you hope to learn with each type of assessment? Since a patient is able to be assessed from the different psychological perspectives, I would want to assess the child with a combination of each of the perspective theories. First, I would want to assess the...
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...UNIVERSITY OF THE WEST OF SCOTLAND NURSE PRESCRIBING V150 CASE STUDY COURSE: NURS09125 BANNER NUMBER: B00113677 DATE OF SUBMISSION 13/12/10 COURSE LEADER FRANCES DOWNER WORD COUNT: 3745 CONTENTS PAGE 1. INTRODUCTION & GENERAL OVERVIEW, Pgs3-4. 2. ASSESSMENT PROCESS, Pgs 5-8 3. TREATMENT OPTIONS, Pgs 9-12. 4. EVALUATION, Pgs 13-16 5. CONCLUSION. Pg 17 6. COPY OF PRESCRIPTION, Pg 18 7. REFERENCE SECTION, Pgs 19-23 8. BIBLIOGRAPHY, Pg 24. INTRODUCTION In the following case study, the author will discuss the issues surrounding a seventy-year-old female with a chronic neuropathic ulcer on the sole of her right foot and the rationale and implications of prescribing in the community setting. The author a (trainee nurse prescriber) will display the need for a robust assessment, exploring all areas of health and well-being in order to achieve a safe outcome. The author will further follow current guidelines and be mentored by a senior nurse prescriber throughout the process. The aim of the case study is to display the implications involved in issuing a nurse prescription if deemed appropriate. With regard to writing a prescription as a qualified practioner, the author will adhere to the guidance within the Nursing and Midwifery Council (NMC 2006a) standards for safe prescribing. To protect this patient’s identity and maintain confidentiality, she will be referred to as Mrs X throughout the...
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...Essay Questions Kristy Bazzanella Liberty University Essay Questions Assessment is a vital component in the counseling process. Use of both informal and formal assessment methods ensure that clinicians judgments are non-biased, and when utilized correctly aide in formulating of case conceptualizations and treatment plans (Whitson, 2013). The primary purpose of assessments, for the counselor, is to obtain information to effectively counsel clients. According to Whitson (2013), once all information is gained, the counselor, can “either formally or informally, diagnose the client” (p.285). It is critical that the counselor choose assessments that are both reliable and valid. The choice of assessment type and instrument will vary depending on the presenting problem, age, and cognitive and developmental state of client. Assessments will also vary according to settings. For example, the choice of assessment instruments utilized by a school counselor will differ greatly from the assessments utilized in a drug treatment or psychiatric facility. Assessments can have either a negative or positive impact on treatment planning. Counselors who use informal assessment techniques, such as unstructured interviews may find that the information gathered is not reliable and, therefore, prone to error (Whitson, 2013, p.111). Inexperienced counselors who use unstructured interviews have been observed to focus on minor issues and have failed to collect adequate data...
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...Weeks 13 and 14 (4/21-5/1): Lease Financing and Course Conclusion Yikes! We are at the bittersweet time in our course together. It is almost over. We’ll miss it so much, but we might also want to do something else with the rest of our lives. In these last 1.7 weeks, we’ll cover another topic which, in addition to Financial Analysis and Planning, serves the function of integrating much of the material we have covered. That topic is Lease Financing. There is a lot of material on the structure of the lease and on the accounting treatment of leases, but the analytical focus will be on the lease-buy decision. The lease-buy decision is actually a financing decision. The analysis of the advisability of a lease typically follows a prior decision to acquire an asset (based on an investment decision analysis). In lease analyses we are comparing lease financing (which is a type of debt) to “regular” debt financing. Video 20 and Chapter 25 in BMA are the main materials. As you review the video, work through the lease example in the Excel file (financing uma 13.xlsx). Toward the end of video 20 is described the concept of adjusted present value. Pay close attention to this material as well, because it describes how in some very specific cases the results of an investment decision and a financing decision must be considered together. The deliverable for this two-week period is Exercise 4, which is an individual, i.e., not a team, exercise. We’ll also use the time to review...
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...Running Title: Informal Assessment Informal Assessment of a Student Barbara Brown Grand Canyon University: SPE-536 Professor Haynes October 31, 2012 Informal Assessment of a Student In the process of developing an informal assessment I have discovered how important it is to effectively develop an assessment that matches the criteria that I want to assess my students’ progress. To do an informal assessment on my students, I chose the unit that we are working on in Biology. At the moment we are learning about the parts of the cells and how the cell works to maintain life. As I did an informal observation on different students in the classroom, I observed that several of the students were having difficulties remembering the parts of the cell and their functions. To solve this problem, I developed an informal assessment that would allow students to learn the cell parts and its functions. The informal assessment that I developed is a game of battle ship on Quia. Quia is a learning tool that I have had the opportunity to use and observe other educators use to help educate and enhance their students learning. The game consists of the game battleship. Like the game, the player is looking for the ships of the enemy. When the student picks a spot that the enemy ship is located on, a question pops up asking a question supply a multiple choice of four answers that the student can choose from. If answered correctly the student gets a hit. There are about 17 questions;...
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