Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
Visa Debit Card You may use your card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft (checking) account. For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. As of 09/01/2017, the Credit Union no longer offers an overdraft ability for one-time debit card transactions. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount with a fee as disclosed in our Rate Schedule or treat the transaction as a request to transfer funds from other deposit accounts or an approved overdraft line of credit that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any fees charged to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Visa Debit Card to: − Make deposits to your share (savings) and share draft (checking) accounts; − Withdraw funds from your share (savings) and share draft (checking) accounts; − Transfer funds from your share (savings) and share draft (checking) accounts; − Obtain balance information for your share (savings) and share draft (checking) accounts; − Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa; − Order goods or services by means of the internet, mail or telephone from places that accept Visa; and − Receive cash back at merchants (if the merchant policy permits). The following limitations on Visa Debit Card transactions apply: − Based on the type of account you have with the Credit Union, there may be limits on frequency and amounts of transactions available at ATM and POS locations; − Due to the nature of the “ATM” system, there may be delays between the time of any activity on your account(s) and the time it is reflected in our records of your account(s); − You may withdraw up to a maximum of $500 in any one (1) day from an ATM machine, if there are sufficient funds in your account (Lower limits of $100.00 apply to the Bridge Share Draft (checking) Account); − You may transfer up to the available balance in your accounts at the time of the transfer; − You may purchase up to $2,000.00 per day at point-of-sale (POS) locations (Lower limits of $1,000.00 apply to the Bridge Share Draft (checking) Account); and − See the Credit Union’s Funds Availability Policy and Disclosures for limitations that may apply to these transactions.
Customer Accounts The Bank agrees to establish and maintain the following accounts ("Accounts"):
Customer Data 4.1 The Customer shall own all right, title and interest in and to all of the Customer Data and shall have sole responsibility for the legality, reliability, integrity, accuracy and quality of the Customer Data.
Time Cards Employees may be required to complete their own time cards and submit them to their respective Supervisor. The supervisors shall be responsible for completing the time card for an absent employee. Employees are to be notified on the following working day of changes made to their time cards.
Customer Focus Is dedicated to meeting the expectations and requirements of internal and external customers; gets first hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect Integrity and Trust Is widely trusted; is seen as a direct, truthful individual; can present the unvarnished truth in an appropriate and helpful manner; keeps confidences; admits mistakes; doesn’t misrepresent him/herself for personal gain. Drive For Results Can be counted on to exceed goals successfully; Is constantly and consistently one of the top performers; very bottom line oriented; steadfastly pushes self and others for results. Role Specific Competencies Managing diversity Manages all kinds and classes of people equitably; deals effectively with all races, nationalities, cultures, disabilities irrespective of age and gender; supports equal and fair treatment and opportunity for all Priority Setting Spends own time and the time of others on what is important; can quickly sense what will help or hinder when seeking to accomplish goals; eliminates roadblocks; creates focus Problem Solving Uses logic and established processes to solve difficult problems and achieve effective solutions; can see hidden problems; Is excellent at honest analysis; looks beyond the obvious ; doesn’t stop at the first answers KEY RELATIONSHIPS Within Southern DHB External to Southern DHB • AHS&T Professional Leaders (PLs) • Clients, patients, families, whanau and caregivers • Multidisciplinary colleagues working in interprofessional ways • Services from the community, funding bodies, student or intern clinical liaison staff • Operational manager • Primary care - GPs, other medical staff • AHST Professional Development Facilitator • Relevant professional organisations • Administration staff • Other service providers • Relevant external services/organisations/stakeholders PERSON SPECIFICATION: ESSENTIAL DESIRABLE Education and Qualifications (or equivalent level of learning) • The appointee must be New Zealand Registered, registered in the Vocational Scope and hold a current practising certificate. • The appointee will have a recognised qualification in the specific Allied Health discipline or overseas equivalent. • Possess a current NZ driver’s license • Proven competence, knowledge and skills in Mental Health with a strong knowledge of relevant and appropriate Mental Health assessments and interventions Experience Experience working in a health/hospital settings providing effective clinical assessments and treatments for clients. Experience working effectively both as an autonomous health professional and as part of an interdisciplinary team providing clinical care and treatment for patients referred to the service. (Inpatient and/or outpatient). Knowledge and Skills: Demonstrated ability to use sound clinical judgements in a wide range of situations. Demonstrated skills in documenting assessments and reports which are easily interpretable by other clinicians, services and clients. Effective communication skills both written and oral. Demonstrated commitment to clinical and professional development showing a pattern of continuous learning and updating of skills and knowledge. To receive supervision as per the supervision policy To comply with the core competencies for the NA registration. Assist in the support and mentoring of intern psychologists KEY RESULT AREAS: Key Accountabilities: Example of successful delivery of duties and responsibilities Clinical Practice Legislative requirements • Practise in accordance with relevant legislation, codes, policies etc. and upholds consumer rights • Uphold professional code of ethics • You adhere to professional and legislative standards of practice • You work according to the scope of your Annual Practising Certificate Assessments and interventions (if appropriate to profession) • Your interventions are realistic and based on best practice • Undertake accurate and comprehensive assessments and evaluations • Plan and implement appropriate interventions • Provide relevant education - including any relevant alternative options - in a format that can be clearly understood • Collaborate with patients-populations to set realistic, person-centred outcomes • You use standard measurement tools and equipment as set down by departmental or professional protocols Documentation • Maintain confidentiality of patient information and documentation • Adhere to Southern DHB’s documentation standards • Your documentation is timely, clear, concise and accurate Culturally Sensitive Practice • Practices in a culturally safe manner • You assist others to gain appropriate support and representation which reflects their cultural needs and preferences. Professional Responsibilities Working in a collegial manner • Contribute to the support and education of colleagues and students to enhance development of the profession • Participate in and contribute to the functioning of the interprofessional team • Establish and maintain an effective working relationship with other staff • You have formal and informal systems in place for supporting colleagues • You maintain supervision records for students • You participate as a team member to ensure the best outcomes for patients/ people Skill Sharing • Share skills (as appropriate) with other health professionals and unregulated (assistant) workforces to enhance person centred outcomes • You use recognised skill sharing processes such as Calderdale to delegate parts of your practice to other team members Evidence-based practice and research • Consistently refer to and relate practice to literature and research • Critique, discuss and disseminate evidence based best practice • Reflect on and evaluate the effectiveness of own practice • You implement evidence-based best practice procedures and guidelines • You updates your knowledge related to best practice guidelines and area of practice • You maintain a professional portfolio or participate in an approved CPD programme (as per professional requirements) Time management • Manage own time adopting a disciplined approach to establishing and following identified role-related priorities • Your tasks are scheduled and completed in a timely manner Professional development • Develop and maintain professional competency • Appraisal, peer review, observed practice or other professional audits as applicable • Develop both personally and professionally to meet the changing needs of your career and profession • You hold current registration where applicable or as required • You maintain an up-to-date professional development plan Other Duties Undertaking duties from time to time that may be in addition to those outlined above but which fall within your capabilities and experience. Act as a role model for the Southern DHB Organisational Values. • You respond positively to requests for assistance in own and other areas, demonstrating adaptability and willingness. • You produce work that complies with SDHB processes and reflects best practice. • Research undertaken is robust and well considered. • Live and support the DHB values in everything you do. Professional Development – self Identifying areas for personal and professional development. • Training and development goals are identified/agreed with your manager. • Performance objectives reviewed annually with your manager. • You actively seek feedback and accept constructive criticism. Health, Safety and Wellbeing Taking all practicable steps to ensure personal safety and the safety of others while at work, in accordance with the Southern DHB’s Health, Safety and Wellbeing policies, procedures and systems. • You understand and consistently meet your obligations under Southern DHB’s Health and Safety policy/procedures. • You actively encourage and challenge your peers to work in a safe manner. • Effort is made to strive for best practice in Health and Safety at all times. Treaty of Waitangi The principles of Te Tiriti o Waitangi, as articulated by the courts and the Waitangi Tribunal will guide the Southern DHB response to Māori health improvement and equity. These contemporary principles include: • Tino rangatiratanga: Providing for Māori self- determination and mana motuhake in the design, delivery and monitoring of health and disability services. • Equity: Being committed to achieving equitable health outcomes for Māori. • Active protection: Acting to the fullest extent practicable to achieve equitable health outcomes for Māori. This includes ensuring that the Crown, its agents and its Treaty partner under Te Tiriti are well informed on the extent, and nature, of both Māori health outcomes and efforts to achieve Māori health equity. • Options: Providing for and properly resourcing kaupapa Māori health and disability services. Furthermore, the Crown is obliged to ensure that all health and disability services are provided in a culturally appropriate way that recognises and supports the expression of hauora Māori models of care. • Partnership: Working in partnership with Māori in the governance, design, delivery and monitoring of health and disability services – Māori must be co-designers, with the Crown, of the primary health system for Māori. • You will be able to demonstrate an understanding of Te Tiriti o Waitangi, Māori Indigenous rights and current issues in relation to health and health equity ie: Whakamaua: Māori Health Action Plan 2020-2025. • You will contribute to responding to the DHBs Te Tiriti o Waitangi commitment to deliver effective and equitable healthcare with Māori patients and their whānau. • You will have the ability to incorporate Māori models of health, patient and whānau-centred models of care, and mātauranga Māori. • You will have insights into your own cultural awareness and an understanding of how your social-cultural influences inform biases that impact on your interactions with patients, whānau, and colleagues. • Recognising that there is an inherent power imbalance in-patient relationship and ensuring that this is not exacerbated by overlaying your own cultural values and practices on patients. Note: the above example measures are provided as a guide only. The precise performance measures for this position will require further discussion between the job holder and manager. CHANGES TO POSITION DESCRIPTION From time to time it may be necessary to consider changes to the position description in response to the changing nature of our work environment – including technological requirements or statutory changes. This Position Description may be reviewed as part of the preparation for your annual performance and development review. Acknowledged / Accepted: .............................................................................................................. ..................................................................... Employee Date .............................................................................................................. .....................................................................
Credit Cards About 60% of first-year students reported they have at least one credit card, although just 15% have two or more cards. Among those students who have credit cards, about 88% reported they pay off their balance each month and, as such, their current credit card balance is zero; however, when asked what their current credit card balance is, just 7% said it is zero. Among those with an unpaid balance, the average credit card debt students have is $1,549. Group 1 students tend to carry a higher balance on their credit cards than Group 2 and Group 3 students. Table 47: Credit cards All students (n=14,886) Group Xxxxx University (n=542) 1 (n=3,136) 2 (n=6,176) 3 (n=5,574) Number of credit cards None 40% 42% 45% 32% 46% One 45% 42% 42% 50% 41% Two 7% 6% 6% 8% 8% Three or more 8% 10% 7% 9% 6% Average number 1.8 2.8 1.2 2.2 .8 Regularly pay off balance each month* Yes 88% 83% 88% 89% 91% Total credit card balance* Zero 7% 2% 14% 2% 5% $500 or less 83% 83% 79% 87% 88% $501 to $1,000 5% 7% 4% 6% 5% Over $1,000 5% 8% 4% 6% 2% Average (all with credit card) $487 $652 $352 $564 $176 Average (those with unpaid balance) $1,549 $1,954 $1,249 $1,648 $1,174 * Total credit card balance and payment of the balance were asked of those who had at least one credit card.
End Users Customer will control access to and use of the Products by End Users and is responsible for any use of the Products that does not comply with this Agreement.
Links to Third Party Sites The Bank website may contain links to other websites ("Linked Sites"). Such links are provided solely as a convenience for you. While the Bank will attempt to select and provide links to Linked Sites that it believes may be of interest to its customers, the Bank does not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that the Bank, its affiliates and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and make no representations or warranties regarding the Linked Sites or your use of them.
Debit Card If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your Savings and Checking account. For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts or approved overdraft protection accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, ACCEL, NYCE, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: Make deposits to your savings and checking accounts. Withdraw funds from your savings and checking accounts. Transfer funds from your savings and checking accounts. Obtain balance information for your savings and checking accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services online, by mail or telephone from places that accept Visa. The following limitations on Debit Card transactions may apply: There is no limit on the number of Debit Card purchases you make per day. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $3,500.00 per day. You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, which also includes any point-of-sale (POS) transactions (PIN based), if there are sufficient funds in your account. You may transfer up to the available balance in your accounts at the time of the transfer. See “transfer limitations” that may apply to these transactions. Audio Response. If we approve Audio Response for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response to: Withdraw funds from your savings, checking, and money market accounts. Transfer funds from your savings, checking, and money market accounts. Obtain balance information for your savings, checking, money market, and certificate accounts. Make loan payments from your savings and checking accounts. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Audio Response transactions may apply: There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.
