{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff39\deff0\stshfdbch0\stshfloch0\stshfhich0\stshfbi0\deflang2057\deflangfe2057\themelang2057\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f39\fbidi \froman\fcharset0\fprq2{\*\panose 02040604050505020304}NewCenturySchlbk{\*\falt Century Schoolbook};}
{\f40\fbidi \froman\fcharset0\fprq2{\*\panose 02040604050505020304}Century Schoolbook;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f406\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f407\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f409\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f410\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f411\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f412\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f413\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f414\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f416\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f417\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f419\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f420\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f421\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f422\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f423\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f424\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f416\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f417\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f419\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f420\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f421\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f422\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f423\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f424\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f806\fbidi \froman\fcharset238\fprq2 Century Schoolbook CE;}{\f807\fbidi \froman\fcharset204\fprq2 Century Schoolbook Cyr;}
{\f809\fbidi \froman\fcharset161\fprq2 Century Schoolbook Greek;}{\f810\fbidi \froman\fcharset162\fprq2 Century Schoolbook Tur;}{\f813\fbidi \froman\fcharset186\fprq2 Century Schoolbook Baltic;}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}
{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}
{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
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\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red255\green255\blue255;}{\*\defchp \fs22 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \snext0 \sqformat \spriority0 Normal;}{\s1\qj \li0\ri0\sb240\sa60\keepn\widctlpar\wrapdefault\nooverflow\faroman\outlinelevel0\rin0\lin0\itap0 \rtlch\fcs1 \ab\af31503\afs32\alang1025 \ltrch\fcs0 
\b\fs32\lang3081\langfe1033\kerning32\loch\f31502\hich\af31502\dbch\af31501\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext0 \slink133 \sqformat \spriority9 heading 1;}{\*\cs10 \additive \ssemihidden Default Paragraph Font;}{\*
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\s17\qj \fi-720\li3110\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3110\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon110 \snext17 Penalty Sub Para;}{\*\cs18 
\additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 AlternativeEnd;}{\*\cs19 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 AlternativeStart;}{\s20\qc \li0\ri0\sb240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 
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\ab\af39\afs24\alang1025 \ltrch\fcs0 \b\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext21 Amendments;}{\s22\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 
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\ai\af0 \ltrch\fcs0 \i \sbasedon10 Bill Position;}{\s26\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext26 
Bill Signature;}{\s27\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext27 Brought In By;}{
\s28\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext28 Chapter First;}{\*\cs29 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Chapter No;}{\s30\qc \li0\ri0\sb240\keepn\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 
\b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon28 \snext30 Chapter Rest;}{\s31\qj \li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext31 Charge;}{\s32\qj \li1800\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1800\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
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\b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext33 Clause Headnote;}{\*\cs34 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Clause No;}{\s35\qj \fi-1843\li1843\ri0\sa120\widctlpar
\tx576\wrapdefault\nooverflow\faroman\rin0\lin1843\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\cf11\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext35 Client Note;}{\s36\qj \li0\ri0\widctlpar\brdrt
\brdrs\brdrw15\brsp20 \wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs18\alang1025 \ltrch\fcs0 \b\caps\f39\fs18\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext36 Cognate;}{
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\ltrch\fcs0 \cf3 \sbasedon10 Date1;}{\s39\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext39 Deed;}{\s40\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon56 \snext40 Deed Graphic;}
{\*\cs41 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Deed No;}{\s42\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext42 Definition Paragraph;}{\s43\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon42 \snext43 Definition Sub Paragraph;}{\s44\qj \fi-731\li3611\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3611\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext44 Definition Sub Sub Paragraph;}{\*\cs45 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf11 \sbasedon10 Definition Term;}{
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\s47\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext47 Division;}{\*\cs48 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Division No;}{\s49\qj \li-1701\ri0\widctlpar\tqr\tx8789\wrapdefault\nooverflow\faroman\rin0\lin-1701\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext49 \slink50 footer;}{\*\cs50 \additive \rtlch\fcs1 \af39\afs26 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink49 \slocked \ssemihidden 
Footer Char;}{\*\cs51 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf12 \sbasedon10 Foreign;}{\s52\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 
\b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext52 Form;}{\s53\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon56 \snext53 Form Graphic;}{\*\cs54 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Form No;}{
\s55\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext55 Formula;}{
\s56\qc \li0\ri0\sb240\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext56 Graphic;}{
\s57\qj \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext57 Graphic Description;}{
\s58\qj \li0\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext58 Head Note;}{
\s59\qj \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext59 \slink60 header;}{\*\cs60 
\additive \rtlch\fcs1 \af39\afs26 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink59 \slocked \ssemihidden Header Char;}{\s61\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext61 Image;}{\s62\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext62 Image Description;}{\*\cs63 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Image No;}{\*\cs64 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf0 \sbasedon10 Image Type;}{\*
\cs65 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf9 \sbasedon10 Item No;}{\s66\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext66 Long Title;}{\s67\qj \li0\ri0\sa240\widctlpar
\tx144\tx288\tx432\tx576\tx720\tx864\tx1008\tx1152\tx1296\tx1440\tx1584\tx1728\tx1872\tx2016\tx2160\tx2304\tx2448\tx2592\tx2736\tx2880\tx3024\tx3168\tx3312\tx3456\tx3600\tx3744\tx3888\tx4032\tx4176\tx4320\tx4464\tx4608\tx4752\tx4896\tx5040
\tx5184\tx5328\tx5472\tx5616\tx5760\tx5904\tx6048\tx6192\tx6336\tx6480\tx6624\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext67 
Oath;}{\s68\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext68 Order;}{\*\cs69 \additive \rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\caps \sbasedon10 Order No;}{\s70\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext70 
Originating;}{\s71\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext71 Out Def;}{
\s72\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext72 Out Def Para;}{
\s73\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext73 Out Def Sub Para;}{
\s74\qj \li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext74 Out Def Sub Sub Para;}{
\s75\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext75 Out Para;}{
\s76\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext76 Out Section;}{
\s77\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext77 Out Sub Para;}{
\s78\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext78 Out Sub Section;}{
\s79\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext79 Out Sub Sub Para;}{\*\cs80 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 page number;}{\s81\qj \fi-720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext81 Paragraph;}{\*\cs82 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Paragraph No;}{\s83\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext83 Part First;}{\*\cs84 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Part No;}{
\s85\qc \li0\ri0\sb240\keepn\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon83 \snext85 Part Rest;}{
\s86\qc \li0\ri0\sb480\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon83 \snext86 Part Schedule;}{
\s87\qj \fi-1083\li1797\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext87 Penalty;}{
\s88\qj \fi-576\li2376\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2376\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext88 Penalty Para;}{
\s89\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext89 Preamble Text;}{
\s90\qj \fi-1987\li1987\ri0\sa120\widctlpar\tx576\wrapdefault\nooverflow\faroman\rin0\lin1987\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\cf12\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext90 Private Note;}
{\s91\qj \li0\ri0\sa240\widctlpar\tx720\tx1166\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext91 Qualifying Text;}{\*\cs92 
\additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefAct;}{\*\cs93 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefCase;}{\*\cs94 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf11 \sbasedon10 RefDefTerm;}{\*\cs95 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefExternal;}{\*\cs96 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefInternal;}{\*\cs97 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf13 \sbasedon10 RefStandard;}{\*\cs98 \additive \rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 RefStatutory;}{\s99\qc \li0\ri0\sb240\pagebb\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext99 Schedule;}{\*\cs100 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Schedule No;}{
\s101\qr \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext101 Schedule SectRef;}{\*\cs102 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Section No;}{\*\cs103 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\cf13 \sbasedon10 Short Title;}{\s104\qc \li0\ri0\sa480\sl-360\slmult0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext104 Short Title Heading;}{\s105\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext105 Short Title No;}{\s106\qc \li0\ri0\sb480\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext106 State;}{\*\cs107 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf12 \sbasedon10 StatOffice;}{\*\cs108 \additive \rtlch\fcs1 \ab\af0 
\ltrch\fcs0 \b\cf9 \sbasedon10 Sub Clause No;}{\s109\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext109 Sub Division;}{\s110\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext110 Sub Paragraph;}{\*\cs111 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Sub Paragraph No;}{\s112\qj \fi720\li0\ri0\sa240\widctlpar\tx1170\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext112 Sub Section;}{\*\cs113 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf9 \sbasedon10 Sub Section No;}{
\s114\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext114 Sub Sub Paragraph;}{\*\cs115 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps\cf9 \sbasedon10 Sub Sub Paragraph No;}{\*\cs116 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf9 \sbasedon10 Subdivision No;}{\*\cs117 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \super \sbasedon10 Super;}{\*\cs118 
\additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b \sbasedon10 Table Bold;}{\*\cs119 \additive \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \b\i \sbasedon10 Table Bold Italic;}{\s120\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext120 Table Content;}{\*\cs121 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 Table Italic;}{\*\cs122 \additive \rtlch\fcs1 \af0 
\ltrch\fcs0 \cf9 \sbasedon10 Table Item No;}{\s123\qc \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext123 
Table Title;}{\s124\qj \li0\ri0\sb240\keepn\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext124 \sautoupd \ssemihidden toc 1;}{\s125\qj \fi-720\li2534\ri-45\sb120\keepn\widctlpar\tx720\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-45\lin2534\itap0 \rtlch\fcs1 \ab\ai\af39\afs24\alang1025 \ltrch\fcs0 
\b\i\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext125 \sautoupd \ssemihidden toc 2;}{\s126\qj \fi-720\li720\ri-43\sb120\widctlpar\tx1080\tx1440\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-43\lin720\itap0 \rtlch\fcs1 
\af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext126 \sautoupd \ssemihidden toc 3;}{\s127\qj \fi-720\li1559\ri-45\sb120\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-45\lin1559\itap0 
\rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext127 \sautoupd \ssemihidden toc 4;}{\s128\qj \fi-720\li1967\ri0\sb120\widctlpar
\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext128 \sautoupd \ssemihidden toc 5;}{
\s129\qj \li907\ri-29\widctlpar\tqr\tx6660\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-29\lin907\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext129 \sautoupd \ssemihidden 
toc 6;}{\s130\qj \fi-720\li1627\ri-29\widctlpar\tx1987\tx3067\tqr\tx7087\wrapdefault\nooverflow\faroman\rin-29\lin1627\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext130 \sautoupd \ssemihidden toc 7;}{\s131\qj \fi-720\li1080\ri0\sb120\widctlpar\tx1080\tx1440\tx1800\tx2160\tx7087\wrapdefault\nooverflow\faroman\rin0\lin1080\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 
\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext131 \sautoupd \ssemihidden toc 8;}{\s132\qj \li2080\ri0\widctlpar\tqr\tx7087\wrapdefault\nooverflow\faroman\rin0\lin2080\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 
\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext132 \sautoupd \ssemihidden toc 9;}{\*\cs133 \additive \rtlch\fcs1 \ab\af31503\afs32 \ltrch\fcs0 
\b\fs32\lang3081\langfe1033\kerning32\loch\f31502\hich\af31502\dbch\af31501\langnp3081\langfenp1033 \sbasedon10 \slink1 \slocked \spriority9 Heading 1 Char;}{\s134\qc \li0\ri0\sb480\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext134 \sqformat TOC Heading;}{\*\cs135 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf15 \sbasedon10 zActNumber;}{\*\cs136 \additive 
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf15 \sbasedon10 zActYear;}{\s137\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext137 zAssentDate;}{\s138\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext138 
zBillNumber;}{\s139\qj \li0\ri0\widctlpar\pvpara\posy1440\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs20\alang1025 \ltrch\fcs0 \i\f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext139 zSecondReading;}{\s140\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext140 AdminDep;}{
\s141\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext141 CertifyLaw Text;}{
\s142\qc \li0\ri0\sb120\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext142 Conditions;}{
\s143\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext143 ConfirmGov;}{
\s144\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext144 Execution Text;}{
\s145\qc \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext145 Explain Heading;}{
\s146\qj \li0\ri0\sa240\widctlpar\tx720\tx1166\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon91 \snext146 Explain Note;}{
\s147\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext147 Explain Note Note;}{
\s148\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext148 GazetteDate;}{
\s149\qc \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext149 GenConditions;}{
\s150\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext150 GovernorSig Text;}{
\s151\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext151 MinisterSig Text;}{
\s152\qj \li0\ri0\sa240\keep\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext152 Opening Words;}{
\s153\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext153 Seal;}{
\s154\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext154 SR Date;}{
\s155\qr \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext155 SR Position;}{
\s156\qj \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext156 SR Printed;}{
\s157\qr \li0\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext157 SR Signature;}{\*\cs158 \additive 
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 Tariff;}{\s159\qc \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext159 Tariff Group;}{\s160\qj \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 
\b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext160 Tariff Heading;}{\*\cs161 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\caps\cf9 \sbasedon10 Tariff No;}{
\s162\qc \li0\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext162 TariffList Heading;}{
\s163\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext163 TariffList Text;}{
\s164\qj \fi-1080\li2520\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2520\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext164 Amd Charge;}{
\s165\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext165 Amd Division;}{
\s166\qj \li720\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext166 Amd Head Note;}{\*\cs167 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf5 \sbasedon10 Amd Number;}{\*\cs168 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\cf5 \sbasedon10 Amd Number Bold;}{\*\cs169 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps\cf5 \sbasedon10 Amd Number Cap;}{
\s170\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext170 Amd Part;}{
\s171\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext171 Amd Penalty;}{
\s172\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext172 Amd Schedule;}{
\s173\qj \li3240\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3240\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext173 Amd1 Charge;}{
\s174\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon47 \snext174 Amd1 Division;}{
\s175\qj \li1440\ri0\sb480\sa240\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon166 \snext175 Amd1 Head Note;}{
\s176\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon170 \snext176 Amd1 Part;}{
\s177\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext177 Amd1 Penalty;}{
\s178\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon172 \snext178 Amd1 Schedule;}{
\s179\qj \li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext179 Indent 0.5;}{
\s180\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon179 \snext180 Indent 1.0;}{
\s181\qj \li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon180 \snext181 Indent 1.5;}{
\s182\qj \fi720\li720\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext182 Indent 1st 0.5;}{
\s183\qj \fi720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon182 \snext183 Indent 1st 1.0;}{
\s184\qj \fi720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon183 \snext184 Indent 1st 1.5;}{
\s185\qj \fi720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon184 \snext185 Indent 1st 2.0;}{
\s186\qj \fi720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon185 \snext186 Indent 1st 2.5;}{
\s187\qj \li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon181 \snext187 Indent 2.0;}{
\s188\qj \li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon187 \snext188 Indent 2.5;}{
\s189\qj \fi-720\li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext189 Indent Hng 0.5;}{
\s190\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext190 Indent Hng 1.0;}{
\s191\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon190 \snext191 Indent Hng 1.5;}{
\s192\qj \fi-720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon191 \snext192 Indent Hng 2.0;}{
\s193\qj \fi-720\li4320\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin4320\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon192 \snext193 Indent Hng 2.5;}{
\s194\qj \fi-720\li720\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext194 TOC Entry;}{\*\cs195 \additive 
\rtlch\fcs1 \ab\af0\afs30 \ltrch\fcs0 \b\caps\fs30\cf15 \sbasedon10 Year;}{\s196\qj \li0\ri0\widctlpar\pvpg\posy15593\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext196 zDocumentStamp;}{\s197\qj \li0\ri0\widctlpar\pvpg\posy720\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext197 zDraftNotice;}{
\s198\qj \li0\ri0\widctlpar\pvpg\posxc\posy14912\dxfrtext187\dfrmtxtx187\dfrmtxty0\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext198 zGovPrintImp;}{\*\cs199 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \caps \sbasedon10 ShortTitleHeadEnd;}{\s200\qj \li0\ri0\widctlpar\pvpg\posy284\dxfrtext181\dfrmtxtx181\dfrmtxty181\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 
\rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon197 \snext200 zConsolidate;}{\s201\qj \fi-1080\li2520\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2520\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext201 Para Penalty;}{\s202\qj \fi-576\li3096\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3096\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon87 \snext202 Para Penalty Para;}{\s203\qj \fi-720\li2160\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2160\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext203 Para Definition Text;}{\s204\qj \fi-720\li2880\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2880\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext204 Sub Para Def Text;}{\s205\qj \fi-720\li3600\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext205 Sub Sub Para Def Text;}{\*\cs206 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sub \sbasedon10 Sub;}{
\s207\qj \li720\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext207 CounterSigText;}{
\s208\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon28 \snext208 Amd Chapter;}{
\s209\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon208 \snext209 Amd1 Chapter;}{
\s210\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon109 \snext210 Amd SubDivision;}{
\s211\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 \b\i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon210 \snext211 Amd1 SubDivision;}{
\s212\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon39 \snext212 Amd Deed;}{
\s213\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon212 \snext213 Amd1 Deed;}{
\s214\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon52 \snext214 Amd Form;}{
\s215\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon214 \snext215 Amd1 Form;}{
\s216\qj \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon61 \snext216 Amd Image;}{
\s217\qj \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ai\af39\afs26\alang1025 \ltrch\fcs0 \i\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon216 \snext217 Amd1 Image;}{
\s218\qj \li1440\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon31 \snext218 Para Charge;}{
\s219\qc \li720\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon170 \snext219 Amd Part Schedule;}{
\s220\qc \li1440\ri0\keepn\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin1440\itap0 \rtlch\fcs1 \ab\af39\afs22\alang1025 \ltrch\fcs0 \b\caps\f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon176 \snext220 Amd1 Part Schedule;}{
\s221\qc \li0\ri0\sa60\widctlpar\wrapdefault\nooverflow\faroman\outlinelevel1\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext221 \slink222 \sqformat Subtitle;}{\*
\cs222 \additive \rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \fs24\lang3081\langfe1033\loch\f31502\hich\af31502\dbch\af31501\langnp3081\langfenp1033 \sbasedon10 \slink221 \slocked \spriority11 Subtitle Char;}{
\s223\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \caps\f1\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext223 zEndorsement;}{
\s224\qj \fi720\li4320\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin4320\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon186 \snext224 Indent 1st 3.0;}{
\s225\qj \li4320\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin4320\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon188 \snext225 Indent 3.0;}{
\s226\qj \fi-720\li5040\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin5040\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon193 \snext226 Indent Hng 3.0;}{
\s227\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af40\afs20\alang1025 \ltrch\fcs0 \f40\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext227 Graphic Text;}{\*\cs228 \additive 
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf11 \sbasedon10 Client Note No;}{\s229\qj \li1843\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1843\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 \ltrch\fcs0 
\b\i\f39\fs26\cf11\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext229 Client Note Text;}{\s230\qj \li1987\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1987\itap0 \rtlch\fcs1 \ab\ai\af39\afs26\alang1025 
\ltrch\fcs0 \b\i\f39\fs26\cf12\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext230 Private Note Text;}{\*\cs231 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf12 \sbasedon10 Private Note No;}{\s232\qj \fi-691\li691\ri0\sa240\widctlpar
\tx1440\wrapdefault\nooverflow\faroman\rin0\lin691\itap0 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext232 Note Content;}{
\s233\qj \li691\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin691\itap0 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext233 Note Out Text;}{
\s234\qj \li691\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin691\itap0 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext234 Note Text;}{
\s235\qj \fi-720\li3600\ri0\sa120\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin3600\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext235 Sub Sub Sub Paragraph;}{\*\cs236 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 Sub Sub Sub Paragraph No;}{\s237\qj \li0\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 
\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext237 Proviso;}}{\*\revtbl {Unknown;}}{\*\rsidtbl \rsid5507213\rsid9267698\rsid12142062\rsid13663108\rsid15925635}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0
\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\author InQuirion Pty. Ltd.}{\operator freriks_k}{\creatim\yr2005\mo1\dy28\hr15\min25}{\revtim\yr2018\mo5\dy25\hr9\min32}{\version3}{\edmins0}{\nofpages55}{\nofwords13242}{\nofchars75482}{\*\company RMIT}
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\facingp\widowctrl\ftnbj\aenddoc\trackmoves0\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0
\noxlattoyen\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\hyphcaps0\formshade\horzdoc\dghspace120\dgvspace120\dghorigin1701\dgvorigin1984\dghshow1\dgvshow0\jexpand\viewkind1\viewscale100\pgbrdrhead\pgbrdrfoot\bdrrlswsix\nolnhtadjtbl\oldas\rsidroot13663108 
\fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0{\*\ftnsep \ltrpar \pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid9267698 \chftnsep 
\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid9267698 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid9267698 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\insrsid9267698 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\binfsxn2\binsxn2\linex0\headery1000\footery1000\endnhere\titlepg\sectdefaultcl\sftnbj {\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3
\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}
{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar
\s105\qc \li0\ri0\sb5000\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\cs135\b0\fs24\cf0\insrsid12142062 No. 23}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \b0\fs24\cf0\insrsid12142062  of }{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \cs136\b0\fs24\cf0\insrsid12142062 1995}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\cf0\insrsid12142062 .
\par }\pard\plain \ltrpar\s104\qc \li0\ri0\sa240\sl-360\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 Insurance Act }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs199\caps0\fs24\cf0\insrsid12142062 1995}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 .
\par }\pard\plain \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Certified on:    /   /20   .
\par \sect }\sectd \ltrsect\binfsxn2\binsxn2\pgnrestart\linex0\headery1000\footery1000\endnhere\titlepg\sectdefaultcl\sftnbj {\footerl \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 \endash  }{\field{\*\fldinst {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 PAGE \\* roman}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 iv}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 \endash  }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 PAGE \\* roman}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 iii}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\footerf \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
\par }}\pard\plain \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\par INDEPENDENT STATE OF PAPUA NEW GUINEA.
\par }\pard\plain \ltrpar\s37\qc \li0\ri0\sb480\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 

\par }\pard\plain \ltrpar\s105\qc \li0\ri0\sb240\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\cs135\b0\fs24\cf0\insrsid12142062 No. 23}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \b0\fs24\cf0\insrsid12142062  of }{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \cs136\b0\fs24\cf0\insrsid12142062 1995}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\cf0\insrsid12142062 .
\par }\pard\plain \ltrpar\s104\qc \li0\ri0\sb500\sa240\sl-360\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 Insurance Act }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs199\caps0\fs24\cf0\insrsid12142062 1995}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 .
\par }\pard\plain \ltrpar\s134\qc \li567\ri0\sb480\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin567\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid12142062 ARRANGEMENT OF SECTIONS.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART I \endash  PRELIMINARY.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 1.\tab Compliance with Constitutional requirements.
\par 2.\tab Interpretation.
\par }\pard\plain \ltrpar\s127\qj \fi-720\li1559\ri0\widctlpar\wrapdefault\faauto\rin0\lin1559\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93accident insurance business\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93actuary\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93agent\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93books\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93broker\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93carry on\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93the Commissioner\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93collusive practices\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93continuous disability policy\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93Life Insurance Act\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93life insurance business\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93existing insurer\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93financial year\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93general insurance business\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93Insurance Complaints Tribunal\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93insurer\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93licensed broker\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93licensed insurer\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93licensed loss adjuster\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93Lloyd\rquote s\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93Lloyd\rquote s broker\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93Lloyd\rquote s underwriter\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93loss adjuster\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93member of Insurance Complaints Tribunal\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93principal officer\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93profit and loss account\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93the Register of Licensed Insurers and Licensed Brokers and Licensed Loss Adjusters\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93regulated entity\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93regulated contract\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93sub agent\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93temporary disability insurance business\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93this Act\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 3.\tab Application.
\par 4.\tab Application of other Acts.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART II \endash  ADMINISTRATION.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 5.\tab The Insurance Commissioner.
\par 6.\tab Tenure of office and conditions of service.
\par 7.\tab Salary and allowances.
\par 8.\tab Leave of absence.
\par 9.\tab Outside employment.
\par 10.\tab Public Service rights of Commissioner to continue.
\par 11.\tab Vacation of office of Commissioner.
\par 12.\tab Oath of Office.
\par 13.\tab Delegation.
\par 14.\tab Annual report.
\par 15.\tab Staff.
\par 16.\tab Secrecy.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART III \endash  LICENSING OF INSURERS AND BROKERS AND LOSS ADJUSTERS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 17.\tab Unlicensed persons carrying on general insurance business or acting as Brokers or Loss Adjusters.
\par 18.\tab Commissioner may license insurers, brokers and loss adjusters.
\par 19.\tab Licensing of insurers and brokers and loss adjusters.
\par 20.\tab Duty of licence holder to give notification of changes.
\par 21.\tab Licensing requirements in relation to disablement insurance.
\par 22.\tab Restrictions on names of licensed insurers and licensed brokers.
\par 23.\tab Revocation of licence.
\par 24.\tab Revocation on request.
\par 25.\tab Effect of revocation or failure to renew.
\par 26.\tab Policy guidelines.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART IV \endash  DEPOSITS AND GUARANTEES.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 27.\tab Deposits and guarantees by licensed insurers and licensed brokers.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART V \endash  AUDIT, RETURNS, INSPECTION, ETC.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 28.\tab Appointment and duties of auditor.
\par 29.\tab Returns to be submitted by insurers and brokers and loss adjusters.
\par 30.\tab Form of documents, policies, brochures, etc.
\par 31.\tab Insurance of policies and renewals, etc.
\par 32.\tab Register of policies, etc.
\par 33.\tab Investigation and report by Actuary.
\par 34.\tab Powers of inspection and investigation.
\par 35.\tab Powers of direction.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART VI \endash  ALL RISKS SITUATED IN PAPUA NEW GUINEA TO BE INSURED WITH LICENSED INSURERS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 36.\tab All risks situated in Papua New Guinea to be insured with licensed insurers.
\par 37.\tab Exemption.
\par 38.\tab Inspection.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART VII \endash  RESPONSIBILITY FOR AGENTS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 39.\tab Responsibility of licensed insurers, licensed brokers and licensed loss adjusters for their agents.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART VIII \endash  TRANSFER OF INSURANCE BUSINESS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 40.\tab Transfer of insurance business.
\par 41.\tab Application for approval of a transfer scheme.
\par 42.\tab Publication, etc., of application.
\par 43.\tab Representations may be made in respect of application.
\par 44.\tab Commissioner may give approval, etc.
\par 45.\tab Duties of applicant after approval of transfer scheme.
\par 46.\tab Duties of licensed insurer where application to the National Court in relation to the transfer is required.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART IX \endash  COMPLAINTS PROCEDURES AND DISPUTE RESOLUTION.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 47.\tab Internal procedures.
\par 48.\tab Insurance Complaints Tribunal.
\par 49.\tab Resignation.
\par 50.\tab Vacation of office.
\par 51.\tab Conduct of Tribunal.
\par 52.\tab Declaration of interest.
\par 53.\tab Functions of the Tribunal.
\par 54.\tab Powers of the Tribunal.
\par 55.\tab Right of representation, etc.
\par 56.\tab Right of appeal.
\par 57.\tab Failure, etc., to implement direction an offence.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART X \endash  TRADE PRACTICES PROVISION.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 58.\tab Trade practices provision.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART XI \endash  PROVISIONS RELATING TO THE WINDING-UP OF A LICENSED INSURER.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 59.\tab Application and interpretation.
\par 60.\tab Commissioner may petition for winding-up in certain circumstances.
\par 61.\tab Winding-up.
\par 62.\tab Licensed insurer not to carry on business after commencement of winding-up proceedings.
\par 63.\tab Winding-up may commence in certain circumstances.
\par 64.\tab Voluntary winding-up.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART XIA \endash  THE INSURANCE COMMISSIONER\rquote S FUND.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 64A.\tab The Insurance Commissioner\rquote s Fund.
\par 64B.\tab Application of }{\rtlch\fcs1 \ab0\ai\af39 \ltrch\fcs0 \cs92\b0\i\caps0\insrsid12142062 Public Finances (Management) Act 1995}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062 .
\par 64C.\tab Contributions to the Insurance Commissioner\rquote s Fund.
\par 64D.\tab Expenditure from the Insurance Commissioner\rquote s Fund.
\par 64E.\tab Estimates of expenditure.
\par 64F.\tab Insufficiency of Fund.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART XII \endash  MISCELLANEOUS.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 65.\tab Notice as to insurance business outside Papua New Guinea.
\par 66.\tab Arrangement of cover with Overseas Insurer.
\par 67.\tab Arbitration clauses.
\par 68.\tab Address for service.
\par 69.\tab Service of documents and notices.
\par 70.\tab Register of Licensed Insurers and Licensed Brokers and Licensed Loss Adjusters.
\par 71.\tab Inspection of Register and Accounts.
\par 72.\tab Evidence and judicial notice.
\par 73.\tab Defaulting officers.
\par }\pard\plain \ltrpar\s127\qj \fi-720\li1559\ri0\widctlpar\wrapdefault\faauto\rin0\lin1559\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93officer\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93officer of the corporation who is in default\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 74.\tab Time for bringing proceedings.
\par 75.\tab Regulations.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART XIII \endash  REPEAL.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 76.\tab Repeal.
\par }\pard\plain \ltrpar\s128\qj \fi-720\li1967\ri0\sb60\widctlpar\wrapdefault\faauto\rin0\lin1967\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\b\insrsid12142062 PART XIV \endash  SAVINGS AND TRANSITIONAL.
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 77.\tab Interpretation.
\par }\pard\plain \ltrpar\s127\qj \fi-720\li1559\ri0\widctlpar\wrapdefault\faauto\rin0\lin1559\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93commencement date\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par  }{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \cs45\b0\caps0\insrsid12142062 \'93repealed Acts\'94}{\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 \b0\caps0\insrsid12142062  
\par }\pard\plain \ltrpar\s124\qj \fi-720\li720\ri0\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs24\alang1025 \ltrch\fcs0 \b\caps\f39\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39 \ltrch\fcs0 
\b0\caps0\insrsid12142062 78.\tab Savings of existing licences.
\par 79.\tab Policy guidelines.
\par 80.\tab Directions, prohibitions, exemptions, etc.
\par 81.\tab Deposits.
\par 82.\tab Deposits.
\par 83.\tab Application of Acts, etc.
\par \sect }\sectd \ltrsect\binfsxn2\binsxn2\sbkodd\pgnrestart\linex0\headery1000\footery1000\endnhere\titlepg\sectdefaultcl\sftnbj {\headerl \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 
\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx720\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\pard\plain \ltrpar\s59\qj \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  = OR ( }
{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 27.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  = Preamble* \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 ,}{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\fs24\insrsid12142062  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 27.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  <= 0 \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 ) \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  = 1 "" "s. "\\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 s. }}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 27.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \cell }\pard \ltrpar
\s59\qc \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid12142062 Insurance 1995}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \cell }\pard\plain \ltrpar
\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 \trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft-720\trkeep\trftsWidth1\tblind-720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil 
\cellx720\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil \cellx8640\row }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\headerr \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil 
\cellx8640\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\pard\plain \ltrpar\s59\qc \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid12142062 Insurance 1995}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \cell 
}\pard \ltrpar\s59\qr \li0\ri0\widctlpar\intbl\tqc\tx4153\tqr\tx8306\wrapdefault\faauto\rin0\lin0 {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  IF }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid12142062  = OR ( }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}
}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 25.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  = Preamble* \\* MERGEFORMAT 
}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 ,}{\field{\*\fldinst {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  COMPARE }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 25.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  <= 0 \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 ) \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 0}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  = 1 "" "s. "\\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 s. }}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 STYLEREF "Section No" \\* MERGEFORMAT}}{\fldrslt {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\lang1024\langfe1024\noproof\insrsid15925635 25.}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \cell }\pard\plain \ltrpar
\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 \trowd \irow0\irowband0\lastrow \ltrrow\ts11\trleft720\trkeep\trftsWidth1\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7920\clshdrawnil 
\cellx8640\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth1440\clshdrawnil \cellx10080\row }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\footerl \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 \endash  }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 PAGE}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 16}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 \endash  }{\field{\*\fldinst {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062 PAGE}}{\fldrslt {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\lang1024\langfe1024\noproof\insrsid15925635 15}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\fs24\insrsid12142062  \endash }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\par }}{\footerf \ltrpar \pard\plain \ltrpar\s49\qc \li0\ri0\widctlpar\tqr\tx8789\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
\par }}\pard\plain \ltrpar\s106\qc \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\b\fs24\insrsid12142062 INDEPENDENT STATE OF PAPUA NEW GUINEA.
\par }\pard\plain \ltrpar\s37\qc \li0\ri0\sb480\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
\par }\pard\plain \ltrpar\s105\qc \li0\ri0\sb480\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\cf0\insrsid12142062 AN ACT
\par entitled
\par }\pard\plain \ltrpar\s104\qc \li0\ri0\sb480\sa240\sl-360\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs30\alang1025 \ltrch\fcs0 \b\caps\f39\fs30\cf15\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 Insurance Act }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs199\caps0\fs24\cf0\insrsid12142062 1995}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\caps0\fs24\cf0\insrsid12142062 ,
\par }\pard\plain \ltrpar\s66\qj \fi-720\li720\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 
\b0\fs24\insrsid12142062 Being an Act relating to insurance and to repeal the }{\rtlch\fcs1 \ab0\ai\af39\afs24 \ltrch\fcs0 \cs92\b0\i\fs24\insrsid12142062 Insurance Act}{\rtlch\fcs1 \ab0\af39\afs24 \ltrch\fcs0 \b0\fs24\insrsid12142062 
 (Chapter 255) and for related purposes,
\par }\pard\plain \ltrpar\s83\qc \li0\ri0\sb240\keepn\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART I. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 PRELIMINARY.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 1.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Compliance with Constitutional requirements.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 This Act, to the extent that it regulates or restricts a right or freedom referred to in Subdivision III.3.C (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 
\cs51\i\fs24\insrsid12142062 qualified rights}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ) of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Constitution}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 , namely\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the right to freedom from arbitrary search and entry conferred by Section 45 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Constitution}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the right to privacy conferred by Section 49 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Constitution}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the right to freedom of information conferred by Section 51 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Constitution}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
is a law that is made for the purpose of giving effect to the public interest in public order and public welfare.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For the purposes of Section 41 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Organic Law on Prov
incial Governments and Local-level Governments}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  it is hereby declared that this Act relates to a matter of national interest.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 2.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Interpretation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 In this Act, unless the contrary intention appears\endash 
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93accident insurance business\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the business of undertak
ing liability under policies of insurance in respect of the happening of personal accidents, whether fatal or not, disease or sickness, or any class of personal accident, disease or sickness;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93actuary\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a person formally qualified to the satisfaction 
of the Commissioner and who provides actuarial services under Section 33 or 41;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93agent\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means a person providing marketing, administration, management or any other services to any person licensed under this Act, and who is subject to provisions of Section 39;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93books\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 includes accounts, deeds, writings, documents and any other records of information however compiled, recorded or stored, and whether in written or printed form, on microfilm or in any other form;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93broker\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a person who, for or in expectati
on of gain, acts as or carries on business as the agent of an insured person or a proponent for insurance in connection with the transaction of general insurance business;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93carry on\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , in relation to an insurer other than a Lloyd\rquote 
s underwriter, means to seek, offer to accept or accept in the country any general insurance business whether by himself or by some other person acting on his behalf or with his authority;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93the Commissioner\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the Commissioner of Insurance appointed under Section 5(1);
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93collusive practices\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means the conspiring together of two or more persons to manipulate the price of a general insurance product artificially to a level that would not be achieved in a fair and freely operating competitive market;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 62 of 2000, s. 168.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93continuous disability policy\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  has the same meaning as in the Life Insurance Act;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 62 of 2000, s. 168.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93Life Insurance Act\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  means the Life Insurance Act 2000.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 62 of 2000, s. 168.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93life insurance business\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  has the same meaning as in the Life Insurance Act.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 62 of 2000, s. 168.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93existing insurer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  means\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Mitsui Marine and Fire Insurance Co., Ltd.; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 American Home Assurance Company Inc.; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The New Zealand Insurance Co., Ltd.;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93financial year\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
, in relation to a corporation, means the period in respect of which a profit and loss account of the corporation laid before it in general meeting is made up, whether that period is a year or not;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93general insurance business\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the business of un
dertaking liability by way of insurance (including re-insurance) in respect of any loss or damage, including liability to pay damages or compensation, contingent on the happening of a specified event; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 any business incidental to general insurance,
\par }\pard\plain \ltrpar\s71\qj \li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 but does not include\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
life insurance business; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 accident insurance business undertaken solely in connection with life insurance business; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 any prescribed insurance business;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93Insurance Complaints Tribunal\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the Tribunal established under Section 48;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93insurer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a person who carries on general insurance business;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93licensed broker\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a broker licensed under Part III;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93licensed insurer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means an insurer licensed under Part III;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93licensed loss adjuster\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a loss adjuster licensed under Part III;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93Lloyd\rquote s\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the society of that name incorporated by the Imperial Act known as }{\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \cs51\i\fs24\insrsid12142062 Lloyd\rquote s Act}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , 1871;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93Lloyd\rquote s broker\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a broker who acts, either directly or indirectly, on behalf of and with the authori
ty of a Lloyd\rquote s underwriter in the issue of cover for general insurance risks and for incidental purposes;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93Lloyd\rquote s underwriter\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means an underwriting member of Lloyd\rquote s;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93loss adjuster\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a person or corporation who acts for or represents the insurer or the insured }{\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid12142062 inter alia}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  for the purpose of investigation or determining liability and/or the amount to be paid in settlement of an insurance claim;

\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93member of Insurance Complaints Tribunal\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means a person appointed under Section 48 to be a member of the I
nsurance Complaints Tribunal;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93principal officer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means the most senior officer within Papua New Guinea of a licensee, being the person responsible for managing the affairs of the licensee within Papua New Guinea;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93profit and loss account\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  includes an inco
me and expenditure account, a revenue account and any other account showing the results of the business of a corporation for a period;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93the Register of Licensed Insurers and Licensed Brokers and Licensed Loss Adjusters\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means the register kept under Section 70;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 93 of 2006, s. 1.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93regulated entity\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 has the same meaning as in the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Independent Consumer and Competition Commission Act 2002}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 
\ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 2 Amended by No. 93 of 2006, s. 1.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93regulated contract\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  has the same meaning as in the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Independent Consumer and Competition Commission Act 2002}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93sub agent\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means a person providing marketing, administration, management and any other services to any person defined as an agent and who is subject to the provisions of Section 39;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93temporary disability insurance business\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 means the business of undertaking liability under policies of insurance in respect of the happening of personal accidents, or disablement from sickness to maximum cover periods of 104 weeks;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93this Act\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  includes the Regulations.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 3.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 This Act does not apply to or in relation to general insurance business carried on by\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the State; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a prescribed person, body or authority.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 4.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application of other Acts.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The requirements of this Act in relation to corporations are in addition to and not in derogation of or substitution for the requirements of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the }{\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Companies Act 1997}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Banks and Financial Institutions Act 2000}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Motor Vehicles (Third Party Insurance) Act 1974}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Insurance Corporation Act 1977}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid12142062 Investment Authority Act}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  1992,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
but in the case of a conflict or inconsistency between the provisions of this Act and the provisions of an Act referred to in Paragraphs (a) to (e) inclusive, the provisions of this Act prevail.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Head of State, acting on advice, may make Regulations to exempt a licensed insurer established by an Act of the Parliament from any of the provisions of this Act where the provisions of this Act a
re inconsistent with the provisions of the Act establishing the licensed insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3)}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 4 Subsection (3) inserted by No. 62 of 2000, s. 169.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 4 Subsection (3) inserted by No. 62 of 2000, s. 169.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The requirements of this Act in relation to corporations are in addition to and not in derogation of or substitution for the requirements of the Life Insurance Act in the case of a conflict or inconsistency between the provisions of this Act and the provi
sions of the Life Insurance Act, the provisions of the Life Insurance Act prevail.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART II. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ADMINISTRATION.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 5.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 The Insurance Commissioner.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1)}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 5 Subsection (1) substituted by No. 97 of 2006, Sched. 1.}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 5 Subsection (1) substituted by No. 97 of 2006, Sched. 1.}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
For the purposes of this Act, there shall be an Insurance Commissioner whose manner of appointment, suspension or dismissal are as specified in the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 
Regulatory Statutory Authorities (Appointment to Certain Offices) Act 2004}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 .
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to any directions of the Minister, the Commissioner is charged with the administration of this Act.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 6.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Tenure of office and conditions of service.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to this Act, the Commissioner holds office for such period as is specified in the instrument of his appointment.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Salaries and Conditions Monitoring Committee Act 1988}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , the terms and conditions of appointment and service of the Commissioner are as the Minister from time to time fixes.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who has attained the age of 65
 years shall not be appointed or re-appointed as the Commissioner, and a person shall not be appointed or re-appointed as the Commissioner for a period that extends beyond the date on which he will attain the age of 65 years.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 7.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Salary and allowances.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Subject to the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Salaries and Conditions Monitoring Committee Act 1988}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
, the Commissioner shall be paid salary and allowances at such rates, or in accordance with such scales of rates, as are fixed by the Minister after consultation with the Departmental Head of the Department responsible for Personnel Management.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 8.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Leave of absence.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The Minister may grant leave of absence to the Commissioner on such terms and conditions as to remuneration or otherwise as the Minister fixes.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 9.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Outside employment.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner shall not engage in paid employment outside the duties of his office.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K5,000.00 or 50% of the value of the emoluments received by the Commissioner from such employment, whichever is the greater amount.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Sub
section (3), a person who is a director or employee of a corporation that carries on insurance business in the country, or of a corporation related to such a corporation, shall not be appointed as the Commissioner, and the Commissioner shall not become a 
director or employee of a corporation that carries on insurance business in the country, or of a corporation related to such a corporation.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner may be appointed to and hold office as a director of a corporation that carries on insurance bus
iness in the country, or of a corporation related to such a corporation, in his official capacity as Commissioner.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner shall give written notice to the Minister of all direct and indirect pecuniary interests that he has or acquires in any insurance business carried on in any corporation carrying on any such business.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K5,000.00 or 50% of the actual value derived by the Commissioner from such interests, whichever is the greater amount.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 10.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Public Service rights of Commissioner to continue.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where an officer of the Public Service is appointed to be Commissioner, his service as Commissioner shall be counted as service in the Public Service for the purpose of determining his rights (if any) in respect of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 leav
e of absence on the grounds of illness; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 furlough or pay in lieu (including pay to dependents on the death of the officer).
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The provisions of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Public Services (Management) Act 1995}{\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid12142062  relating to service in another organization apply in relation to the office of Commissioner as if it had been specifically included in that Act.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 11.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Vacation of office of Commissioner.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 If the Commissioner\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
becomes permanently incapable of performing his duties; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 resigns his office by writing under his hand to the Minister; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 contravenes Section 9; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 becomes bankrupt, applies to take the benefit of any law for the relief of bankrupt or insolvent debtors, compounds with his creditors or makes an assignment of his remuneration for their benefit; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is convicted of an offence punishable under a law by death or imprisonment for one year or longer and, as a result of the conviction, is under sentence of death or imprisonment,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the Minister shall terminate his appointment.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Minister may terminate the appointment of the Commissioner for inability, inefficiency, incapacity or misbehaviour.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 12.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Oath of Office.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Before entering on the duties of his office, the Commissioner shall take an oath or make an affirmation in the prescribed form.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The oath or affirmation shall be taken or made before the Minister or a person appointed by the Minister for the purpose.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 13.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Delegation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The Commissioner may, by instrument, delegate to any person all or any of his powers and functions (except this power of delegation).
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 14.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Annual report.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The Commissioner shall, within three months after 31 December in each year, present to the Minister, for presentation to the Parliament, a report\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
reviewing the operation of this Act during the year ended on that date; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 drawing attention to any measures that are, in his opinion, desirable for achieving the purposes of this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 providing an assessment, including such statistical analysis of performance and trends in the general insurance industry as the Commissioner shall consider appropriate.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 15.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Staff.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Subsection (2), any staff (other than the Commissioner) required for the purposes of this Act shall be officers or employees of the Public Service.

\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subsection (1) does not prevent any person from being employed, on contract or otherwise, under any other law to perform functions and duties for the Commissioner.

\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 16.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Secrecy.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 This section applies to every person who is or has been the Commissioner or a member of the staff assisting the Commissioner.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Subject to this section, a person to whom this section applies, who, directly or indirectly, except in the performance of a duty under or in connection with this Act\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 makes a record of; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 divulges or communicates to any person,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
any information concerning the affairs of any other person acquired by him by reason of his office or employment under or for the purposes of this Act, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K2,500.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 This section does not prevent the communicat
ion of information or the production of a document by the Commissioner, or by a member of the staff assisting the Commissioner authorized by him for the purpose, to a person to whom, in the opinion of the Commissioner, it is in the public interest that th
e information be communicated or the document produced.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART III. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 LICENSING OF INSURERS AND BROKERS AND LOSS ADJUSTERS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 17.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Unlicensed persons carrying on general insurance business or acting as Brokers or Loss Adjusters.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Section 25, a person, other than a licensed insurer, who carries on general insurance business is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K100,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Sections 19(12) and 25, a person, other than a licensed broker or l
icensed loss adjuster who carries on business as a broker or as a loss adjuster is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K50,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who acts as the agent of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 an unlicensed insurer; or

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 an unlicensed broker; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 an unlicensed loss adjuster,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
for the purpose of soliciting business or offering cover in connection with general insurance business is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 18.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Commissioner may license insurers, brokers and loss adjusters.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner may, in accordance with this Part, issue and renew\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote 
\ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 18(1)(a) repealed and replaced by Act No. 42 of 1996, s 2.}}}{
\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 \tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 to a corporation incorporated under the laws of Papua New Guinea or to an existing insurer\endash 
a licence to carry on general insurance business; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 to a person\endash a licence to carry on business as\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 an insurance broker; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 a loss adjuster.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Co
mmissioner shall not issue or renew a licence under Subsection (1), unless he is satisfied that the licensed corporation or licensed person shall at all times maintain within Papua New Guinea capital at least to a minimum level determined by the Commissio
ner by notice in the National Gazette.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner shall not issue or renew a licence under Subsection (1)(b) unless he is satisfied that the licensed person shall at all times maintain current professional indemnity insurance at least to minimum l
evels and standards or to levels which the Commissioner notifies in writing to a licensed person that he requires in a particular case.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 19.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Licensing of insurers and brokers and loss adjusters.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1)}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 19(1) repealed and replaced by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1996 (No. 42 of 1996), s 3.}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 19(1) repealed and replaced by the }{\rtlch\fcs1 
\ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1996 (No. 42 of 1996), s 3.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A corporation incorporated under the laws of Papua New Guinea or an existing insurer may apply to the Commissioner for a licence to carry on general insurance business.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person may apply to the Commissioner for a licence to carry on business as a broker or as a loss adjuster.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An application for a licence under Subsection (1) or (2) shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 be in writing; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 contain such information as is prescribed, and such additional information as the Commissioner, either generally or in any particular case, requires.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where, during the course of consideration of an application under Subsection (1) o
r (2), any change occurs in the information or additional information supplied under Subsection (3), the applicant shall notify the Commissioner in writing accordingly and where necessary shall supply replacement documents.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner may refuse 
to grant the application, or, subject to Subsection (6), may grant the application and issue a licence in the prescribed form.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licence issued under Subsection (5) may be subject to such conditions as the Commissioner considers appropriate.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6A)}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 19 Subsection (6A) inserted by No. 93 of 2006, s. 2.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 19 Subsection (6A) inserted by No. 93 of 2006, s. 2.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 If any condition in a licence held by a regulated entity conflicts with, or is inconsistent with, any term or condition of the reg
ulatory contract relating to that regulated entity, the provisions of the regulatory contract shall prevail and the licence conditions, to the extent of any inconsistency, shall be of no effect.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who is refused a licence under this section may,
 within 30 days after notice of the refusal is given to it or him, appeal to the Minister, whose decision is final.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (8) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner shall cause a notice of the issue of a licence under this section (other than a temporary licence under Subsection (12)) to be published in the National Gazette, and the licence takes effect on the date specified in the notice.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (9) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The fee (if any) for a licence or temporary licence under this section is as prescribed.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (10) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Subsection (12), unless earlier revoke
d, a licence under this section remains in force until 31 December next succeeding the date of issue.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (11) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licence may be renewed by the Commissioner for periods each not exceeding one year on written application accompanied by the prescribed fee.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (12) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner may, on receipt of an application in writing, issue a temporary licence to carry on business as a loss adjuster for a period of less than one year and subject to such conditions as the Commissioner determines.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (13) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person, who makes an a
pplication under this section that is false or misleading in a material particular, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab In the case of an application for a licence or the renewal of a licence as an insurer\endash a fine not exceeding K100,000.00. In the case of an 
application for a licence or the renewal of a licence as a broker or loss adjuster\endash a fine not exceeding K50,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 20.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Duty of licence holder to give notification of changes.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where, while a licence is in force, there is any change in the information or ad
ditional information supplied to the Commissioner under Section 19(3), the licence holder shall notify the Commissioner in writing accordingly and where necessary shall supply such further information as the Commissioner requires.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 21.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Licensing requirements in relation to disablement insurance.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer may only carry on insurance business relating to continuous disability from accident or sickness if he is licensed to carry on life insurance business.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where an applicant for a licence unde
r Section 19(1) intends to carry on insurance business solely relating to temporary disablement from accident or sickness, the Commissioner may issue a restricted licence which limits the holder to carry on insurance business relating solely to temporary 
disablement from accident or sickness.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Commissioner issues a restricted licence under Subsection (2), he may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
set out in writing any conditions he considers appropriate to the licence; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 waive or vary all or any of the following:\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the amount of licence fee provided for under Section 19(9);
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the minimum capital as provided for in Section 18(2);
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the amount of deposit to be lodged under Section 27;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iv)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 any other provision of this Act relating to the issue of a licence.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner shall specify\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
in writing to the applicant; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 by notice in the National Gazette,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
any waivers or variations of the standard provisions of the Act which have been approved in relation to the issue of the licence.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An applicant who is aggrieved by\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
a refusal to grant a restricted licence; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a condition or special provision imposed on a licence,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
may, within 30 days of the refusal or imposition, appeal to the Minister whose decision shall be final.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 22.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Restrictions on names of licensed insurers and licensed brokers.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Except with the written consent of the Minister, no licensed insurer or licensed broker or licensed loss adjuster may use the expression \'93Central\'94, \'93
National\'94, \'93Papua\'94, \'93New Guinea\'94, \'93Papua and New Guinea\'94, \'93Papua New Guinea\'94, or \'93State\'94
, or an expression of a similar meaning (whether in the English language or in any other language), in the name, description or title under which it carries on business in Papua New Guinea.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Except with the written consent of the Minister, the words, \'93insurance\'94, \'93insurer\'94, \'93assurance\'94 and \'93assurer\'94
 shall not be used in a business name or title or other form of promoting a business unless it is used by a licensed insurer or licensed broker or licensed loss adjuster.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where the Minister considers that the use of a name or description by a licensed insurer or a licensed broker or licensed loss adjuster carrying on business in the country is undesirable, he may, by notice in the National Gazette, prohibit 
the use of that name or description by licensed insurers or licensed brokers or licensed loss adjusters or by any or all.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Subject to Subsection (5), a person who uses an expression, name or description in contravention of Subsections (1) or (2), or of a notice under Subsection (3), is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 It is a defence to a charge of an offence against Subsection (4) if the person proves that he had not had a reasonable opportunity of taking whatever step
s are necessary to change his or its name or abandon the use of the expression, name or description.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 23.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Revocation of licence.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Commissioner is of the opinion that a licensed insurer or licensed broker or licensed loss adjuster\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 has cease
d to carry on business as an insurer or broker or loss adjuster, as the case may be, in the country, has gone into liquidation, has become bankrupt or applied to take the benefit of any law for the relief of bankrupt or insolvent debtors, has been wound u
p or has been dissolved; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 has failed to comply with this Act; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 23 Subsection (1) amended by No. 93 of 2006, s. 3.}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 \tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 [}{
\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \i\fs24\insrsid12142062 Repealed}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 .]
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 for any other reason should not continue to be licensed; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 has failed to make application for renewal of a licence before 1 January in any year,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the Commissioner may revoke the licence.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Before revoking a licence under Subsection (1), the Commissioner\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
shall give at least 30 days\rquote  notice of his intention to do so to the insurer or broker or loss adjuster, as the case may be, stating the grounds on which he intends to revoke the licence; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall give it or him an opportunity to make such written representations as he thinks fit within such period (not being less than 14 days) as is specified in the notice.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An insurer or broker or loss adjuster whose licence is revoked under this section may, within 30 days afte
r notice of the revocation is given to it or him, appeal to the Minister, whose decision is final.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The revocation of a licence under this section takes effect\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
where no appeal is lodged against the revocation\endash on the date specified by the Commissioner in the notice of revocation; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 where an appeal is lodged against the revocation and the appeal is dismissed\endash on the date specified by the Minister in the notice dismissing the appeal.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A notice of revocation of a licence shall be published in the National Gazette.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 24.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Revocation on request.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where a licensed insurer or licensed broker or licensed loss adjuster requests, by written notice to the Commissioner, that the licence issued to him be revoked, the Commissi
oner may, if he is of the opinion that it is proper to do so, by notice in the National Gazette revoke the licence.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The revocation of a licence under Subsection (1) takes effect on the date specified by the Commissioner in the notice.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 25.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Effect of revocation or failure to renew.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Notwithstanding the revocation or the failure to make application for a renewal of a licence\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the insurer or broker or loss adjuster concerned may, with the approval of the Minister, carry on general insurance business or business as a broker or business as a loss adjuster, as the case may be, for the purpose of winding-up the business; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 proceedings may be taken for the enforcement of a right by or against the insurer or broker or loss adjuster.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 26.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Policy guidelines.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
In the exercise and performance of his powers and functions under this Part, the Commissioner shall operate within any framework of policy laid down from time to time in policy guidelines issued by the Head of State, acting on advice.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART IV. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 DEPOSITS AND GUARANTEES.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 27.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Deposits and guarantees by licensed insurers and licensed brokers.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
It is a condition of a license that a licensed insurer and a licensed broker shall at all times during the currency of the licence maintain with the Department a deposit of money which amounts to minimum levels determined by the Minister.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Departmental Head may invest any deposit of money made under this section\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
in any securities of, or guaranteed by, the State; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 on deposit in a bank; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 in the securities of any money market towards which the Central Bank acts as lender of last resort; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 in any other manner approved by the Minister.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Any money deposited under Subsection (1) remains the property of the licensed insurer or licensed broker, a
s the case may be, and the insurer or broker is entitled to receive interest or other earnings on the money as are actually earned by the deposit at such rate as the Departmental Head from time to time advises.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A deposit under Subsection (1) is security for the discharge firstly of the liabilities (including contingent liabilities) of
\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 a licensed insurer
\endash in respect of all general insurance policies issued by him including any third-party policies issued under the pre-Independence }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Motor Vehicles (Third Party Insurance) Act 1952}
{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , notwithstanding the repeal of that Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a licensed broker\endash in respect of all Lloyd\rquote s policies issued by him,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
and is not applicable in the discharge of any other liabilities of the insurer or broker until those first-mentioned liabilities have been discharged or otherwise provided for to the satisfaction of the Commissioner.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A deposit under Subsection (1) shal
l not be returned to the licensed insurer or licensed broker after the date when he ceases to be a licensed insurer or licensed broker, as the case may be, unless the Commissioner is satisfied that the liabilities (including contingent liabilities) of
\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 a licensed insurer
\endash in respect of all general insurance policies issued by him; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a licensed broker\endash in respect of all Lloyd\rquote s policies issued by him,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
have been discharged or otherwise provided for to the satisfaction of the Commissioner.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 It is a condition of a licence as an insurer being issued to Lloyd\rquote 
s of London that, in addition to the deposit requirement outlined in Subsection (1), Lloyd\rquote s of London will lodge with the Commissioner a standing Banker\rquote s Guarantee, or other similar form of secur
ity acceptable to the Commissioner, to a minimum level determined by the Minister, so as to provide a surety for the meeting of liabilities in relation to Papua New Guinean risks covered by Lloyds of London.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (7)}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 27 Subsection (7) inserted by No. 93 of 2006, s. 4.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 27 Subsection (7) inserted by No. 93 of 2006, s. 4.}}}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 This section does not apply to the successor company under the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Motor Vehicles (Third Party Insurance) Act 1974}{\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \fs24\insrsid12142062  or to any other company nominated under }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs95\fs24\insrsid12142062 Section 72 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 
Motor Vehicles (Third Party Insurance) Act 1974}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  to provide compulsory third party motor vehicles insurance coverage.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART V. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 AUDIT, RETURNS, INSPECTION, ETC.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 28.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Appointment and duties of auditor.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, a licensed broker and a licensed loss adjuster must have and shall appoint annually, or more frequently if required, an auditor who is\endash 

\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
a registered company auditor under the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Accountants Act 1996}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a person approved by the Commissioner.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where a licensed insurer or licensed 
broker or licensed loss adjuster fails to appoint an auditor as required by Subsection (1), the Commissioner may make the appointment and fix the remuneration to be paid to the auditor by the licensed insurer or licensed broker or licensed loss adjuster.

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The auditor shall audit and make a report to the Commissioner on the annual balance sheet and profit and loss account and such other returns and statements which the Commissioner shall determine by notice in the National Gazette as requiring an auditor
\rquote s report and certification.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For the purpose of an audit under this section, the auditor has all the powers of an auditor under the }{\rtlch\fcs1 
\ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Companies Act 1997}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  and the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid12142062 Accountants Registration Act}{
\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  1996.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer or licensed broker or licensed loss adjuster, who fails to comply with the provisions of this section, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 29.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Returns to be submitted by insurers and brokers and loss adjusters.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer or licensed broker or licensed loss adjuster shall submit in the form, time and manner determined by the Commissioner by notice in the National Gazette such reports, returns and other information as the Commissioner specifies in
 the notice.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where appropriate, returns outlined in Subsection (1) shall include such form of auditor\rquote 
s certification as the Commissioner determines by notice in the National Gazette as being required with regard to particular returns.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Co
mmissioner considers that reports or returns submitted under this section or Section 28 are inadequate, inaccurate, misleading or otherwise unsatisfactorily presented in relation to standards as determined, the Commissioner may direct in writing the provi
sion of explanations and variations in respect of returns submitted.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Written directions provided under Subsection (3) shall specify the time within which explanations and variations shall be provided, and such time shall not be less than 14 days.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where directions as to variations have been given under Subsection (3), any document to which the direction relates shall be deemed not to have been lodged until it is resubmitted with the variations required by the direction, but the document will be dee
med to have been submitted within any prescribed time limit if it is resubmitted in satisfactory form within the time limit specified in the direction.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer shall, upon reasonable request, make available to a current policy holder a copy o
f the latest annual audited Profit and Loss Statement and Balance Sheet.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer or licensed broker or licensed loss adjuster, who fails to comply with the reporting requirements set out in this section, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 30.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Form of documents, policies, brochures, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner may inspect and review a licensed insurer\rquote 
s proposal forms, policies, brochures, advertisements and other promotional materials and other documents in relation to the conduct of general insurance business.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where any proposal form, policy, brochure, advertisement or other promotional material or other document inspected or reviewed under Subsection (1) contains information considered likely to mislead or n
ot to be in the best interests of existing or potential policy holders or where it fails to comply with any provision of this Act, the Commissioner may issue a written directive to the licensed insurer requiring either cancellation or variation of the rel
evant material.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer, to whom a directive is issued under Subsection (2), may make written representations to the Commissioner within 14 days of receiving such directive.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner shall consider any representations under Subsec
tion (3) and where he decides that the directive shall still be implemented, the affected licensed insurer may appeal to the Minister whose decision shall be final.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, who uses a form, policy, brochure, advertisement, promotional mater
ial or document in contravention of this section, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 31.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Insurance of policies and renewals, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, either itself or through its agent or broker, is responsible for ensur
ing that a policy document is issued to the insured in respect of each separate contract of insurance within 30 days of inception of the insurance risk by the insurer and the policy issued shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
constitute the contract between insurer and insured; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 define the terms and conditions and provisions of the contract of insurance specifically for each risk insured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, either itself or through its agent or broker, is responsible for ensuring that a renewal certificate confirming the
 renewal of insurance is issued within 30 days of inception of the renewal and the renewal certificate issued shall confirm the period for which the insurance contract has been renewed, and where any terms or conditions or provisions of contract have been
 varied, the variation shall be defined as an endorsement to the policy and a copy of that endorsement shall be attached to and form part of the renewal certificate.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where a policy document or renewal certificate has not been issued to the insured in ac
cordance with Subsections (1) and (2), in the event of a dispute the insurer shall be required to prove that the insured person was aware of and accepted the specific terms and conditions or provisions on which the insurer seeks to rely to avoid or reduce
 or limit its liability.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 32.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Register of policies, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
establish and maintain a register of current policies of both Papua New Guinea and non Papua New Guinea general insurance risk where liabilities exist for the licensed insurer; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall enter in the register particulars of each policy to which Paragraph (a) applies.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where a licensed insurer ceases to have any liability in respec
t of a policy entered in the register, he may remove the particulars of the policy from the register.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer shall retain documentation and policies relating to expired policies for a minimum period of eight years, notwithstanding that such policies have been removed from the register of current policies.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner may determine details of the format to be used and the information to be recorded in the register of current policies.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, who fails to comply with any of the provisions of this section, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K50,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 33.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Investigation and report by Actuary.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Commissioner is of the opinion that\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the financial interests of a policy holder, shareholder or creditor of a licensed insurer might be in jeopardy; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 an investigation and report by an independent actuary are appropriate,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
he may direct the licensed insurer\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
to have undertaken an investigation and report by an independent actuary approved by the Commissioner; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 to instruct the independent actuary to furnish a copy of his report under Paragraph (c) direct to the Commissioner.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where a licensed insurer 
fails to comply with a direction under Subsection (1), the Commissioner may appoint an independent actuary to undertake the investigation and report and may fix the remuneration to be paid to him by the licensed insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer shall cooper
ate fully with an independent actuary undertaking an investigation and report under this section and shall make available to him for inspection and copy (if necessary) all books, records, registers, financial statements and other documents.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, who fails to comply with Subsection (3), is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K100,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 34.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Powers of inspection and investigation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner or a person authorized by him for the purpose may at any time during the ordinary hours of business do all or any of the following:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
enter any land or place where any person\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 is acting as; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 is carrying on or is reasonably suspected by him to be acting as or carrying on, business as,
\par }\pard\plain \ltrpar\s75\qj \li2977\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2977\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 an insurer or insurance broker or loss adjuster;
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
make such examination and inquiries as are necessary to ascertain the manner in which any business referred to in Paragraph (a) is being carried on and, in particular, whether the provisions of this Act 
have been or are being complied with in respect of that business;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 examine any person engaged or apparently engaged, whether as principal or employee, in the business, and require him\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 to answer any question put to him; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 to furnish such information as may be required; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 to sign a declaration as to the truth of any answer given by him;
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
inspect and examine any accounts, books or records relating to, or reasonably suspected by the Commissioner or a person authorized by him to relate to, any business referred to in Paragraph (a), and for that purpose require\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the holder of a licence; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 any person carrying on or reasonably suspected of carrying on any business to which this Act relates; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 any person who has possession, custody or control of any such accounts, books or records,
\par }\pard\plain \ltrpar\s75\qj \li2977\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2977\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 to produce the accounts, books and records to him, and make copies of or take extracts from any of them.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
assaults, resists or obstructs the Commissioner or a person authorized by the Commissioner in the exercise of his powers or the discharge of his duties under this section; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 fails or refuses to answer any question put to him by the Commissioner or a person authorized by him, or gives a false or misleading answer to any such question; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 fails or refuses to comply with a request of the Commissioner or a person authorized by him; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 when required to furnish information under this Act by the Commissioner or a person authorized by him\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 fails or refuses to give the information; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 gives false or misleading information; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
fails or refuses, without reasonable excuse (proof of which is on him)\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 to produce any books, account or record that he is required to produce under this Act by the Commissioner or a person authorized by him; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
to allow the Commissioner or a person authorized by him to make copies of or take extracts from any such books, account or record; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
directly or indirectly prevents any person from appearing before or being questioned by the Commissioner or a person authorized by him; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 g}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 uses any threatening, abusive or insulting language to the Commissioner or a person authorized by him whilst he is carrying out an authorized inspection under this Act,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 i
s guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 35.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Powers of direction.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Following the conduct of an investigation under Section 33 or 34 and the issue of a written summary and conclusions, the Commissioner may, s
ubject to Subsections (2) and (3), issue directives to a licensed insurer, licensed broker or licensed loss adjuster as he determines necessary to overcome any breaches of this Act or to protect the interests of any policy holder, shareholder or creditor.

\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The powers of the Commissioner under Subsection (1) to direct shall include, but shall not be confined to, the following matters:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the dismissal and/or recruitment of directors, management personnel and other related persons;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the undertaking of sound management principles;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the disposition or recovery of assets;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the issue of directives on investment management, subject to overall investment guidelines issued by the Minister under Section 26;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the recovery of sums considered illegally paid;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the prevention of the renewal or the issuing of further policies for all or particular classes of business;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 g}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the making of specific reinsurance arrangements;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 h}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the issue of any other directive considered necessary following the conduct of an investigation.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The powers to issue directives under Subsection (1) shall be subject to the following requirements:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
notice of intention to issue a directive shall\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 be issued in writing to the affected licensed insurer, licensed broker or licensed loss adjuster; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 set out the conclusions of the investigation; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 outline the intended directives; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iv)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 require the affected licensed insurer, licensed broker or licensed loss adjuster to respond within 14 days;
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
where the affected licensed insurer, licensed broker or licensed loss adjuster responds in writing within 14 days the Commissioner shall consider the representations made, and where, after considering such representations the Commis
sioner decides to proceed with a directive the affected licensed insurer, licensed broker or licensed loss adjuster may then appeal to the Minister whose decision shall be final;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 after issue of a directive, further written representations may be made f
rom time to time by an affected licensed insurer, licensed broker or licensed loss adjuster where the circumstances relating to the direction have changed or are no longer relevant and the Commissioner may on receipt of such written representations modify
 or cancel any direction;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 where representations made under Paragraph (c) for modification or cancellation of a directive are rejected by the Commissioner, the affected licensed insurer, licensed broker or licensed loss adjuster may make further appeal t
o the Minister whose decision shall be final;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 notwithstanding that representations have been made by an affected licensed insurer, licensed broker or licensed loss adjuster any directive issued in accordance with Paragraph (a) shall continue to apply u
ntil such time as the Commissioner or Minister confirms in writing that the directive has been modified or cancelled.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, licensed broker or licensed loss adjuster, who fails or neglects to comply with a directive under this section, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K50,000.00.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART VI. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ALL RISKS SITUATED IN PAPUA NEW GUINEA TO BE INSURED WITH LICENSED INSURERS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 36.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 All risks situated in Papua New Guinea to be insured with licensed insurers.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 All risks situated in Papua New Guinea and for which insurance, including re-insurance, is required shall be insured with a licensed insurer
 unless exemption is granted under Section 37.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 insures; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 as agent, broker, or insurer arranges insurance of,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
a risk situated in Papua New Guinea with a person other than a licensed insurer, except in accordance with an exemption under Section 37, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K50,000.00 or an amount equivalent to the gross annual premium in respect of that risk effected outside Papua New Guinea, whichever is the greater.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 37.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Exemption.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Subs
ection (5), where the Commissioner is satisfied that the existing facilities and available capacity of licensed insurers are fully utilized he may, on application in accordance with Subsection (4), grant to a person an exemption from the provisions of Sec
tion 36.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An application for an exemption under Subsection (1) shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
be made in writing to the Commissioner no later than 14 days prior to the date on and from which the insurance is required; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 contain information in support of the application, including\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 information as to whether licensed insurers have available the facilities and capacities to insure the risk in question; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 information as to cost differentials between onshore license
d insurers and offshore insurers, where an application is being made in relation to the cost differential provisions of Subsection (6); and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 particulars of the proposed arrangements to insure the risk outside Papua New Guinea; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iv)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 evidence to the satisfaction of the Commissioner that\endash 
\par }\pard\plain \ltrpar\s114\qj \fi-720\li2880\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2880\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs115\caps\fs24\insrsid12142062 (A)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
adequate arrangements have or will be made for the payment of income tax by non resident insurers and non resident reinsurers as required by Sections 203 to 209 of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 
Income Tax Act 1959}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs115\caps\fs24\insrsid12142062 (B)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 adequate arrangements have or will be made to secure approvals required under the }{\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \cs98\i\fs24\insrsid12142062 Central Banking (Foreign Exchange and Gold) Regulation 1973}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  (and related Notices to Authorized Dealers) of the Central Bank; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs115\caps\fs24\insrsid12142062 (C)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 adequate arrangements have or will be made to
 have the insured person confirm in writing an awareness that the offshore cover being arranged provides for no protection under the regulation and supervision provisions of this Act.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner shall consider an application under Subsection (2) and\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
subject to Subsection (4), may grant an exemption or refuse to grant an exemption; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall advise the applicant in writing of his decision under Paragraph (a) not later than seven days prior to the date on and from which insurance is required.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An exemption granted under this section may be subject to such conditions as the Commissioner considers appropriate.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
An application made in accordance with Subsection (2) which relates to Treaty Reinsurance may be submitted to, and be considered
 and determined by the Commissioner, as if the Treaty Reinsurance Agreement constituted a single risk, without requirement to have approved individual contracts within the Treaty Reinsurance Agreement.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Subsection (8), the Commissioner shall 
not refuse an application for exemption under this section in respect of the insurance or re-insurance of a risk where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
a licensed insurer has the facility and capacity to insure or re-insure the risk; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the costs to the insured person of insuring or re-insuring the risk with a licensed insurer are greater by 17.5% than the costs to the insured person of insuring or re-insuring the risk with an off-shore insurer.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 In comparing costs for the purposes of Subsection (6)(b), the Commissioner shall 
consider all relevant cost factors including premiums, commissions and other fees and charges.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (8) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner may refuse an application for exemption to which Subsection (6) applies, where he is of the opinion that the circumstances are exceptional or in the National interest.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (9) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
No funds in respect of any premium for insurance or reinsurance to which this Part relates may be remitted outside Papua New Guinea unless and until written advice of an exemption has been received by an applicant for exemption.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 38.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Inspection.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Commissioner is of the opinion that a person may have contravened the provisions of this Part, he, or a person authorized by him in writing, may\endash 

\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
require that person to produce any premium receipts, cover notes, insurance policies or other documents or records relating to insurance placed by that person or on that person\rquote s behalf; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 inspect any such premium receipts, cover notes, insurance policies or other documents or records produced; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 take copies of any such premiums receipts, cover notes, insurance policies or other documents or records.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
hinders or obstructs the Commissioner, or a person authorized by the Commissioner, in the exercise or performance of his powers and functions under Subsection (1); or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 without lawful excuse (proof of which is on him)\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 refuses or wilfully neglects to produce; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 refuses to allow the Commissioner, or a person authorized by him to make copies of,
\par }\pard\plain \ltrpar\s75\qj \li2977\ri0\sa240\widctlpar\wrapdefault\nooverflow\faroman\rin0\lin2977\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 any premium receipts, cover note, insurance policy or other documents or records,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART VII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 RESPONSIBILITY FOR AGENTS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 39.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Responsibility of licensed insurers, licensed brokers and licensed loss adjusters for their agents.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, licensed broker or licensed loss adjuster is responsible for the financial affairs of his or its agents (and any sub agents) with re
gard to transactions entered into by an agent on behalf of the licensed insurer, licensed broker or licensed loss adjuster.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 In all cases agents shall be agents of the licensed insurer, licensed broker or licensed loss adjuster and not agents of the ins
ured, and the licensed insurer, licensed broker or licensed loss adjuster shall be directly responsible for negligence, default or professional misconduct of an agent, including failure to pay over money paid to an agent by an insured person.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 No licens
ed insurer, licensed broker or licensed loss adjuster shall utilise the services of an agent without first having entered into a formal agreement with such agent using an agreement form which, on written request by the Commissioner, shall be subject to hi
s inspection and approval.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
In the case of multi-agents, separate formal agreements shall be concluded and executed by the agent and each relevant licensed insurer, licensed broker or licensed loss adjuster, and in all cases, including cases where an age
nt represents more than one licensed insurer, licensed broker or licensed loss adjuster, receipts and other documentation shall clearly specify the name of the licensed insurer, licensed broker or licensed loss adjuster ultimately responsible for the tran
saction.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Moneys by way of premiums for insurance cover which are paid by a person to a broker or agent of a licensed insurer shall be deemed to have been paid to the licensed insurer at the time and in the amount that the moneys were paid to that broker or agent.

\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licensed insurer shall not deny liability under any contract of insurance on the basis that moneys paid to a broker or agent have not been paid to the licensed insurer, and a licensed insurer shall not seek payment from an insured person w
here such payment has been made to a broker or agent.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Notwithstanding this section, a licensed insurer and broker or agent may agree upon the credit terms which will apply as between the broker or agent and the insurer for remitting of premium moneys to the licensed insurer.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (8) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Any agent or licensed insurer, licensed broker or licensed loss adjuster, who fails or neglects to comply with the provisions of this Part relating to responsibility for agents, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART VIII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 TRANSFER OF INSURANCE BUSINESS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 40.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Transfer of insurance business.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The whole or part of the business of a licensed insurer may be transferred to another licensed insurer or to other licensed insurers in accordance with th
is Part only\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
under a transfer scheme approved by the Commissioner; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 where required by any other law, on application to and approval by the National Court.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A transfer scheme under Subsection (1)(a) may make provision for\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the transfer of ancillary non-general insurance business; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 matters incidental to the transfer, including property rights and liabilities.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 41.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application for approval of a transfer scheme.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Licensed insurers may make application to the Commission
er for approval of a transfer scheme for the transfer of the whole or part of the business of a licensed insurer to another licensed insurer or to other licensed insurers.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An application under Subsection (1)\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
shall be made by both the proposed transferor and the proposed transferee or transferees; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall be in a form approved by the Commissioner; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall be accompanied with full details of the transfer scheme and a copy of any relevant report.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner may, where he considers it necessary for the purpose of assessing an application\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
require additional information to be supplied by the applicants; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 require a report from an independent auditor and/or an independent actuary.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the Commissioner requires a report under Subsection (3)(b)\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
he shall appoint the independent auditor and/or independent actuary for the purpose; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the applicants shall co-operate with the independent auditor or independent actuary to enable him to compile his report;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the applicants shall be responsible for the costs of the independent auditor and/or independent actuary; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the independent auditor and/or independent actuary shall furnish his report to the Commissioner who shall provide a copy to the applicants.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 42.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Publication, etc., of application.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The applicants of an application under Section 41(1) shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
no sooner than 30 days after the date of making the application, cause details of the application and of the proposed transfer scheme to be published\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 in the National Gazette; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 in at least two newspapers approved by the Commissioner; and
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
for a minimum of 30 days after the date of publication under Paragraph (a), keep a copy of the proposed transfer scheme available at each of their offices for inspection by policy holders affected by the proposed transfer scheme; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 at least 30 days before a decision on the application is made by the Commissioner, except where the Commissioner or the National Court directs otherwise, furnish to each polic
y holder affected by the proposed transfer scheme copies of the proposed transfer scheme and of any reports (or summaries of such reports approved by the Commissioner).
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 43.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Representations may be made in respect of application.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
A person, who shows to the satisfaction of the Commissioner that he has a cause or interest in the matter, may make representations in respect of any matter relevant to an application under Section 41(1) and the Commissioner shall consider such representa
tions when considering the application.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 44.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Commissioner may give approval, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Commissioner shall consider an application under Section 41(1) and any representations made under Section 43 and may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
approve the transfer scheme; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 refuse to approve the transfer scheme.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An approval under Subsection (1)(a) may be subject to such variation or conditions as the Commissioner considers necessary.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 45.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Duties of applicant after approval of transfer scheme.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Within 30 days of the approval of a transfer scheme the transferee or transferees shall lodge with the Commissioner\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
a statement of assets and liabilities of each licensed insurer who is a party to the scheme immediately before the transfer and a statement of assets and liabilities to be transferred; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a copy of the transfer scheme and any order of the National Court; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 copies of any audit, actuarial or other reports; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a statutory declaration by the Chairman or Principal Officer of the transferred licensed insurer certifyin
g every payment to be made under the transfer and that no other payments are to be made, including transfer of property or rights.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 46.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Duties of licensed insurer where application to the National Court in relation to the transfer is required.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where, under 
any other law, a licensed insurer proposing to transfer any insurance business is required to make application to the National Court, he shall not so make application unless he has lodged with the Commissioner at least 30 days prior to making application 
a copy of the application proposed and of the proposed scheme of transfer and any reports relative thereto.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART IX. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 COMPLAINTS PROCEDURES AND DISPUTE RESOLUTION.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 47.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Internal procedures.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer, licensed broker and licensed loss adjuster 
shall develop written policies and procedures, to be approved by the Commissioner, whereby complaints and disputes will initially be addressed between the insured or other affected third parties and the licensed insurer, licensed broker or licensed loss a
djuster.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 At the time of policy issue and renewal, the licensed insurer or licensed broker shall make available to a policy holder, the following:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
clear directions as to whom and where policy holders or affected third party complaints and disputes should be lodged;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 procedures whereby complaints and disputes shall be formally reviewed and responded to by a licensed insurer within a maximum of 30 days; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 details of the Insurance Complaints Tribunal to which complaints can be referred following exhaustion of procedures under Paragraph (b) and where policy holders or affected third parties remain dissatisfied.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 48.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Insurance Complaints Tribunal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 An Insurance Complaints Tribunal is established and shall be composed of the following members:\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the Commissioner or his nominee who shall be the Chairman of the Tribunal;
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 two members to represent the interests of the general insurance industry to be appointed by the Minister from persons nominated by persons licensed under this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 two members to represent the interests of consumers, to be appointed by the Minister from nominations submitted after public advertisements calling for nominations.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Where the Minister considers it inappropriate to appoint two members from the persons nominated under Subsection (1)(b), he may require persons licensed under this Act to make further nominations for his consideration.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The members under Subsection (1)(b) and (c) shall be appointed by the Minister by notice in the National Gazette.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For each member of the Tribunal appointed under Subsection (1)(b) and (c) an alternate
 member shall be appointed in the same way and subject to the same conditions as the member for whom he is the alternate.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
In the event of the inability of a member of the Tribunal to act, the alternate member has and may exercise all his powers, functions, duties and responsibilities.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A member appointed under Subsection (1)(b) and (c) and an alternate member appointed under Subsection (4) shall be appointed for a period not exceeding three years, and are eligible for reappointment.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (7) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A member of the Tribunal\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
appointed under Subsection (1)(a) or (b)\endash is not entitled to remuneration in respect of his service on the Tribunal; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 appointed under Subsection (1)(c)\endash shall be entitled to such remuneration as is allowed under the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Boards (Fees and Allowances) Act 1955}{\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 .
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 49.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Resignation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 A member of the Tribunal may resign his office by written notice to the Minister.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 50.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Vacation of office.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 If a member of the Tribunal\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
becomes permanently incapable of performing his duties; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 resigns his office under Section 49; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is absent from three consecutive meetings of the Tribunal; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 fails to comply with Section 52; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 e}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 becomes bankrupt, or applies to take the benefit of any law for relief of bankrupt or insolvent debtors, compounds with his creditors or makes an assignment of his remuneration for their benefit; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 f}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is convicted of an offence punishable under a law by a term of imprisonment for one year or longer and as a result is sentenced to imprisonment,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the Minister shall terminate his appointment.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Minister may at any time by written notice advise a member that he intends to terminate his appointment on the grounds of inefficiency, incapacity or misbehaviour.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Within 14 days of the receipt of a notice under 
Subsection (2), the member may reply in writing to the Minister who shall consider the reply, and, where appropriate, terminate the appointment.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where the member referred to in Subsection (2) does not reply in accordance with Subsection (3), his appoin
tment is terminated.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 51.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Conduct of Tribunal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Tribunal shall meet at such times and places as the Chairman thinks necessary for the efficient conduct of its affairs, but in any event not less frequently than once in every quarter of the year.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Within 14 days after the receipt of a written request by not less than two members of the Tribunal, the Chairman shall call a meeting of the Tribunal.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 At a meeting of the Tribunal a quorum shall be three, which shall be comprised of\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the Commission
er or his nominee; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 one member appointed under Section 48(1)(b) or his alternate; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 one member appointed under Section 48(1)(c) or his alternate.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 At a meeting of the Tribunal\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the Chairman shall preside; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 all matters shall be decided by a majority of the votes of the members present; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the Chairman has a deliberative, and in the event of an equality of votes on a question, where he so chooses, also a casting vote; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the Tribunal may seek additional advice from such persons as it considers necessary to assist in the deliberation of any complaint.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The Tribunal shall cause a record of its proceedings to be kept.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (6) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to this Act, the procedures of the Tribunal are as determined by the Tribunal.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 52.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Declaration of interest.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A member of the Tribunal, who is directly or indirectly interested in a matter before the Tribunal for consideration, shall as soon as possible after the relevant facts have come to his knowledge, disclose the nature of his int
erest at a meeting of the Tribunal.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A disclosure under Subsection (1) shall be recorded in the minutes of the Tribunal and after the disclosure the member shall not take part in any deliberation or decision of the Tribunal with respect to the matter an
d shall be disregarded for the purpose of constituting a quorum for any such deliberation or decision.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 53.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Functions of the Tribunal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The functions of the Tribunal are to consider disputes and complaints referred to it by policy holders of general insurance policies and affected third parties.

\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Tribunal shall not be limited to the types of disputes it considers but the Commissioner, following consultation with the Tribunal, may publish in the National Gazette guidelines as to the operating proced
ures of the Tribunal including an outline of classes of complaints that it shall, and shall not, consider.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Tribunal shall not consider any complaints until it is satisfied that all internal procedures for complaint and dispute resolution provided for in Section 47 have been fully exhausted.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Tribunal is empowered to adjudicate and direct a licensed insurer, licensed broker or licensed loss adjuster in the resolution of any particular complaint or dispute providing the direction does not invol
ve claims or other payments exceeding an amount fixed by the Commissioner by notice in the National Gazette but by agreement between the parties and with the approval of the Tribunal a dispute involving an amount in excess of the fixed amount may be deter
mined by the Tribunal.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 54.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Powers of the Tribunal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For the purpose of performing its functions under this Act the Tribunal, or a person authorized by the Tribunal may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
require any person to produce or make available to the Tribunal or a person aut
horized by the Tribunal any books, document, record or information in the possession of or under the control of the person relating to a disputed matter under consideration by the Tribunal; and
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
(b)\tab take copies of or extracts from any books, document or record.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
when required to do so under Subsection (1), refuses or fails, without reasonable excuse (proof of which is on him), to produce or make available any books, document, record or information; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 hinders or obstructs the Tribunal or a person authorized by the Tribunal in the exercise of its or his powers or the performance of its or his functions under this Act,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 55.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Right of representation, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 A person affected 
by a dispute, including a licensed insurer, licensed broker or licensed loss adjuster and a complainant shall have rights of representation before a meeting of the Tribunal, though proceedings will be informal and parties to the dispute may represent them
selves.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 56.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Right of appeal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 A party to a dispute (other than a licensed insurer, licensed broker or licensed loss adjuster) and an affected third party, aggrieved by a decision of the Tribunal, may appeal to the National Court.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 57.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Failure, etc., to implement direction an offence.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 A person, who fails or neglects to implement a direction of the Tribunal, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K100,000.00.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART X. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 TRADE PRACTICES PROVISION.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 58.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Trade practices provision.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 It shall be an o
ffence for any person licensed under this Act or by any other person to undertake practices of collusive pricing, collusive tendering or other practices inhibiting fair and open competition in relation to any general insurance or related business conducte
d under this Act.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The practices of co-insurance and reinsurance where undertaken according to normal insurance principles involving fair and open competition shall not be regarded as practices of collusive pricing or collusive tendering for purposes of this Part.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who fails to comply with the provision of this Part is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART XI. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 PROVISIONS RELATING TO THE WINDING-UP OF A LICENSED INSURER.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 59.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application and interpretation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The provisions of this Part apply also to a corporation which\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
was at one time a licensed insurer (or a licensed insurer under the Acts repealed by Section 76); and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 has ceased to be so licensed; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 remains under liability in respect of a Papua New Guinea insurance policy.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For the purposes of this Part, unless the contrary intention appears or the context otherwise requires, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93licensed insurer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  includes a corporation referred to in Subsection (1).
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The provisions of this Part do not affect a contract entered into by a licensed insurer after it commences to be wound up.

\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 60.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Commissioner may petition for winding-up in certain circumstances.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where any auditor\rquote s report or financial statements or an investigation under this Act in relation to a licensed insurer indicate that any of the grounds for winding up a company as specified in Section 291(3) of the }{
\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Companies Act 1997}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  exist in relation to that licensed insurer, the Commissioner may act as a petitioner in pr
oceedings to have the licensed insurer wound-up.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 61.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Winding-up.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where proceedings to wind-up a licensed insurer have been commenced, the Commissioner is entitled to be conjoined as a petitioner in and become a party to the winding up proceedings, and the liquidator of the licensed insurer shall
\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
keep the Commissioner fully informed; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 provide the Commissioner with such information as the Commissioner reasonably requests,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
in relation to the winding-up proceedings.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 62.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Licensed insurer not to carry on business after commencement of winding-up proceedings.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where winding-up proceedings have been commenced in respect of a licensed insurer, the licensed insurer shall not carry on any insurance business.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Subject to Subsection (3), a licensed insurer, who carries on insurance business in contravention of Subsection (1), is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer is not guilty of an offence against Subsection (2) by reason only that it is carrying on bu
siness with the consent of the liquidator for the purpose of discharging liabilities assumed by it before the date of commencement of the winding-up.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 63.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Winding-up may commence in certain circumstances.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where the Commissioner\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 directs a licensed insur
er not to issue any new policies or renewals of policies; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 revokes the licence of a licensed insurer,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the licensed insurer may, where it is incorporated under }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Companies Act 1997}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , be wound-up by the National Court\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
as if it had suspended business for one year; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 where the winding-up is to take place under Division X.5, as if it had ceased carrying on business.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Voluntary winding-up.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 In the case of a members\rquote  voluntary winding-up of a licensed insurer, the Commissioner may\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
review arrangements for the winding-up; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 issue directives with regard to such arrangements, other than arrangements approved by the National Court.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART XIA.}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Part XIA inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs84\fs24\insrsid12142062  \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 THE INSURANCE COMMISSIONER\rquote 
S FUND.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64A.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 The Insurance Commissioner\rquote s Fund.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64A inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 There is hereby established the Insurance Commissioner\rquote 
s Fund, into which shall be paid such moneys as are specified by this Act.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64B.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application of }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\caps\fs24\insrsid12142062 Public Finances (Management) Act 1995}{
\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 .
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64B inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Except where this Act provides to the contrary, the provisions of the }{\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Public Finances (Management) Act 1995}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  relating to Trust Accounts within the meaning of that Act apply to and in relation to the Insurance Commissioner
\rquote s Fund.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64C.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Contributions to the Insurance Commissioner\rquote s Fund.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64C inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Each licensed insurer shall contribute annually to the Insurance Commissioner\rquote s Fund a sum amounting to a percentage
 (not exceeding 1%) to be fixed by the Commissioner on the total amount of the premium income (whether received by or owing to the licensed insurer) of the licensed insurer in respect of the year ended 31 December immediately preceding.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Each licensed broker shall contribute annually to the Insurance Commissioner\rquote 
s Fund a sum amounting to a percentage (not exceeding 1%) to be fixed by the Commissioner on the total amount of the commission (whether received by or owing to the licensed broker) the licensed
 broker on all insurance business placed both domestically and offshore, in respect of the year ending 31 December immediately preceding.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The percentage\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
referred to in Subsection (1) shall be uniform for all licensed insurers; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 referred to in Subsection (2) shall be uniform for all licensed brokers.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The amount of any annual contribution\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
to be paid during 1998, shall be paid in instalments on or before 1 July and 1 October; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 in subsequent years shall be paid in quarterly instalments on or before 1 January, 1 April, 1 July and 1 October in each year, or on such other days as the Commissioner determines; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is recoverable as a debt due to the State in any court of competent jurisdiction.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (5) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A licensed insurer or
 licensed broker who fails to pay an instalment of the annual contribution within 30 days after the date it became payable by him, is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K10,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64D.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Expenditure from the Insurance Commissioner\rquote s Fund.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64D inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 There shall be paid out of the Insurance Commissioner\rquote s Fund\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
all moneys payable on account of the employment of the Commissioner and the staff required for the purposes of this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 all moneys payable on account of the functioning and administration of the Office of the Commissioner; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 all other money required by the Commissioner for carrying out this Act.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64E.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Estimates of expenditure.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64E inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
The Commissioner shall, prior to 1 January in each year, prepare estimates of expenditure for that year and submit them to the Minister.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Expenditure shall not be incurred in relation to any estimates of expenditure unless and until those estimates have been approved by the Minister.
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where, in any year, the amount actually contributed to the Insurance Commissioner\rquote s Fund under Section 64C\endash 

\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
is less than the expenditure actually incurred in that year, the deficit shall be added to the estimated expenditure for the next succeeding year, and the rate of contribution increased proportionately; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 exceeds the expenditure actually incurred in that year, the excess shall be retained in the Insurance Commissioner\rquote s Fund to meet contingencies.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 64F.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Insufficiency of Fund.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs18\fs24\super\insrsid12142062 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s17\ql \fi-360\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs18\f0\fs20\lang1033\langfe1033\super\langnp1033\insrsid12142062 \chftn \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Section 64F inserted by the }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \i\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\lang1033\langfe1033\langnp1033\insrsid12142062  1998 (Act No. 13 of 1998).}}}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the amount standing to the credit of the Insurance Commissioner\rquote s Fund is, at any time, insufficient to make any payment which is required by this Act to be paid; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the Minister responsible for financial matters certifies as to the insufficiency, the payment shall be made from the Consolidated Revenue Fund which to the necessary extent is appropriated accordingly.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Any amount paid out of the Consolidated Revenue Fund under Subsection (1)\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
is a charge on the Insurance Commissioner\rquote s Fund; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 shall, as soon as the Minister responsible for financial matters certifies that sufficient funds are standing to the credit of the Insurance Commissioner\rquote s Fund, be repaid from the Insurance Commissioner\rquote 
s Fund to the Consolidated Revenue Fund.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART XII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 MISCELLANEOUS.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 65.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Notice as to insurance business outside Papua New Guinea.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where a licensed insurer, licensed broker or licensed loss adjuster, carries on any business of insurance in a place outside Papua New Guinea and\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
its right to carry on that business ceases; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 under a law of that place relating to 
the carrying on of a business of general insurance, broking or loss adjusting, the right of the corporation or of the person to carry on a business of general insurance, broking or loss adjusting in that place has ceased, is limited or is affected,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the licensed insurer, licensed broker or licensed loss adjuster, shall immediately, by written notice to the Commissioner, inform the Commissioner accordingly.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 66.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Arrangement of cover with Overseas Insurer.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where any
 person either directly or as a broker on behalf of a person resident in the country, arranges general insurance cover with an overseas general insurer which is not a licensed insurer in Papua New Guinea, he shall\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
where the cover is being arranged on behalf of another person, inform that person, in writing, that the cover is not protected by this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 ensure, before sending any contributions or commissions abroad, that, in relation to all non-resident insurers and all non-resident reinsurers\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 all necessary withholding and deemed taxes have been paid; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 a tax clearance where required has been received from the Commissioner General of Internal Revenue; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (iii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 approval to remit has been received from the Central Bank or an authorized dealer as that term is defined in the }{
\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs98\i\fs24\insrsid12142062 Central Banking (Foreign Exchange and Gold) Regulation 1973}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 .
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who fails to comply with the provisions of Subsection (1) is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 67.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Arbitration clauses.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Notwithstanding the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Arbitration Act 1951}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 , a provision of an agreement relating to general insurance whenever entered into or made\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
requiring differences or disputes arising out of or in relation to the agreement to be submitted to arbitration; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 providing that no action, suit or other proceedings may be commenced, proceeded with or maintained against the insurer in respect of any claim under, or difference or dispute arising out of in relation to, the agreement, unless
\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 the issue, claim difference or dispute has first been submitted to arbitration; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 an award in arbitration proceedings has been first obtained; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
providing that arbitration or an award in arbitration proceedings is a condition precedent to any right of action, suit or other proceedings on or in relation to the agreement; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 imposing, by reference to arbitration or to an award in arbitration proceedings any limitation on the right of any person to bring or maintain an action, suit or other proceedings on or in relation to the agreement,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
does not, subject to Subsection (2), bind the insured.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 This section does not apply to an agreement to submit a difference or dispute to arbitration
 made or entered into after a difference or dispute has arisen out of or in relation to an agreement relating to general insurance.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 68.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Address for service.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person licensed under this Act shall, at all times while it is so licensed, have an address in the country for service for the purposes of this Act.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K10,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The address referred to in Subsection (1) does not become the address for service until written notice of the address has been given to the Commissioner, 
and an address so notified continues to be the address of the corporation until another address has been so notified.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 69.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Service of documents and notices.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 In this section, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93registered office\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062  means the office of the corporation that is the registered office in accordance with the law of Papua New Guinea by or under which the corporation is incorporated.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A document or notice required or permitted to be served on, or given to, a person for the purposes of this Act, may be served or given\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
by leaving it at, or sending it by registered post to the address for service notified under Section 68(2); or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 in the case of a person other than a corporation\endash 
\par }\pard\plain \ltrpar\s110\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs111\fs24\insrsid12142062 (i)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 by serving it personally on the person; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs111\fs24\insrsid12142062 (ii)\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 by sending it by registered post to the person at his usual or last known place of abode or business; or
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
in the case of a corporation incorporated in the country\endash by leaving it at or sending it by registered post to the registered office of the corporation.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 70.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Register of Licensed Insurers and Licensed Brokers and Licensed Loss Adjusters.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 For the purposes of this Act, the Commissioner shall cause to be kept registers to be known as the Registers of Lic
ensed Insurers and Licensed Brokers and Licensed Loss Adjusters.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
Subject to this Act, the Registers of Licensed Insurers and Licensed Brokers and Licensed Loss Adjusters shall be kept in a form and manner approved by the Commissioner.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 71.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Inspection of Register and Accounts.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 A person may, on written application and on payment of the prescribed fee (if any)\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
inspect the Registers of Licensed Insurers, Licensed Brokers and Licensed Loss Adjusters; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 inspect and make a copy of, or take extracts from, any annual report, profit and loss account or balance sheet lodged with the Commissioner under Section 29.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 72.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Evidence and judicial notice.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A certificate under the hand of the Commissioner certifying as to any matter relating to the contents of t
he Registers of Licensed Insurers, Licensed Brokers and Licensed Loss Adjusters shall be received in all courts as evidence of the matter so certified.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 All courts, Judges and persons acting judicially shall take judicial notice of the official signatur
e of any person who is or has been the Commissioner and of the fact that that person is or was the Commissioner.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 73.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Defaulting officers.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 In this section\endash 
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93officer\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 , in relation to a corporation, includes\endash 
\par }\pard\plain \ltrpar\s42\qj \fi-720\li2160\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin2160\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
all persons who are officers of the corporation for the purposes of the }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs92\i\fs24\insrsid12142062 Companies Act 1997}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 ; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 a member of the board of management or other controlling authority of the corporation;
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93officer of the corporation who is in default\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
 includes an officer of the corporation who knowingly and wilfully authorizes or permits the commission of an offence by the corporation.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 Where an offence against this Act is committed by a corporation, every officer of the corporation who is in default is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (3) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
has been convicted of an offence relating to general insurance, life insurance or superannuation business; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 has been convicted of an offence involving dishonest conduct; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is insolvent or bankrupt; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 d}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 is otherwise assessed by the Commissioner not to be a fit and proper person,
\par }\pard\plain \ltrpar\s78\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
cannot hold a position of Director or Principal officer in any licensed insurer, licensed broker or licensed loss adjuster.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (4) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who fails to comply with the provisions of Subsection (3) is guilty of an offence.
\par }\pard\plain \ltrpar\s87\qj \fi-1083\li1797\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1797\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Penalty:\tab A fine not exceeding K25,000.00.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 74.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Time for bringing proceedings.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Notwithstanding any other Act, proceedings for the summary prosecution of an offence against this Act may be brought at any time\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
within two years after the offence was committed; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 within one year after the commission of the offence comes to the knowledge of the Commissioner,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
whichever is the later.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 75.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Regulations.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The Head of State, acting on advice, may make regulations, not inconsistent with this Act, prescribing all matters that by this Act are required or permitted to be prescribed, or that are necessary or convenient to be pr
escribed for carrying out or giving effect to this Act and in particular for prescribing\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
the forms to be used under or in connection with this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 the fees to be paid in relation to anything done or to be done under this Act; and
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 c}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 penalties of fines not exceeding K25,000.00 for offences against the regulations.
\par }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs84\fs24\insrsid12142062 PART XIII. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 REPEAL.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 76.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Repeal.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 The following Acts are repealed:\endash 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trgaph108\trleft1200\trkeep\trftsWidth1\trpaddl108\trpaddr108\trpaddfl3\trpaddfr3\tblind1308\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth8400\clshdrawnil \cellx9600\pard\plain \ltrpar\s120\qj \li0\ri0\sa120\widctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {
\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs103\i\fs24\insrsid12142062 Insurance Act}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  (Chapter 255)\cell }\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
\trowd \irow0\irowband0\ltrrow\ts11\trgaph108\trleft1200\trkeep\trftsWidth1\trpaddl108\trpaddr108\trpaddfl3\trpaddfr3\tblind1308\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone 
\cltxlrtb\clftsWidth3\clwWidth8400\clshdrawnil \cellx9600\row \ltrrow}\pard\plain \ltrpar\s120\qj \li0\ri0\sa120\widctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  1989 (No. 29 of 1989)\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \trowd \irow1\irowband1\ltrrow\ts11\trgaph108\trleft1200\trkeep\trftsWidth1\trpaddl108\trpaddr108\trpaddfl3\trpaddfr3\tblind1308\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone 
\clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth8400\clshdrawnil \cellx9600\row \ltrrow}\pard\plain \ltrpar\s120\qj \li0\ri0\sa120\widctlpar\intbl\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 
\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs51\i\fs24\insrsid12142062 Insurance (Amendment) Act}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  1991 (No. 19 of 1991).\cell 
}\pard\plain \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 
\af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 \trowd \irow2\irowband2\lastrow \ltrrow\ts11\trgaph108\trleft1200\trkeep\trftsWidth1\trpaddl108\trpaddr108\trpaddfl3\trpaddfr3\tblind1308\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb
\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth8400\clshdrawnil \cellx9600\row }\pard\plain \ltrpar\s85\qc \li0\ri0\sb120\keepn\pagebb\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 
\b\caps\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs84\fs24\insrsid12142062 PART XIV. \endash  }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 SAVINGS AND TRANSITIONAL.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 77.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Interpretation.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 In this Part\endash 
\par }\pard\plain \ltrpar\s46\qj \fi-734\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs45\b\fs24\insrsid12142062 \'93commencement date\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the date of coming into operation of this Act;
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs45\b\fs24\insrsid12142062 \'93repealed Acts\'94}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062  means the Acts repealed by Section 76.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 78.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Savings of existing licences.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licence granted under the repealed Acts are valid and in force immediately before the commencement date, shall continue on and after the commencement date to have full force and effect for the term for which it was granted or until it sooner expir
es or is revoked according to law as if the repealed Acts had not been repealed.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
A licence of a licensed insurer to which Subsection (1) applies shall not be eligible for renewal after 31 December 1996 where the licensed insurer is not a corporation incorporated under the laws of Papua New Guinea.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 79.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Policy guidelines.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Policy guidelines, made under the repealed Acts and in force immediately before the commencement date, continue in force on and from the commencement date until repealed or otherwise rep
laced by policy guidelines issued under Section 26.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 80.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Directions, prohibitions, exemptions, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Any direction giv
en, prohibition made or exemption granted by the Commissioner under the repealed Acts and in force immediately before the commencement date, shall continue in force thereafter until it expires according to its terms or otherwise according to law.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 81.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Deposits.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 
A deposit made by a licensed insurer or licensed broker under the repealed Acts and not, at the commencement date, returned to, or used in the discharge of the liabilities of, the licensed insurer or licensed broker is transferred and becomes the depo
sit by the respective licensed insurer or licensed broker under Section 27.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 82.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Deposits.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (1) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 The person who, immediately before the commencement date, held the office of Commissioner under the repealed Acts, shall, on and from the commencement date, hold 
the office of Commissioner on the same terms and conditions until such time as a Commissioner is appointed and terms and conditions fixed under this Act.
\par }\pard\plain \ltrpar\s112\qj \fi720\li0\ri0\sa120\widctlpar\tx1170\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs113\fs24\insrsid12142062 (2) }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 A person who, immediately before the commencement date, held an office in the staff of the Commiss
ioner, shall, on and from that commencement date, hold the equivalent office in the staff of the Commissioner under this Act.
\par }\pard\plain \ltrpar\s58\qj \fi-720\li720\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\faauto\rin0\lin720\itap0 \rtlch\fcs1 \ab\af39\afs26\alang1025 \ltrch\fcs0 \b\f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 
\ltrch\fcs0 \cs102\caps\fs24\insrsid12142062 83.\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \caps\fs24\insrsid12142062 Application of Acts, etc.
\par }\pard\plain \ltrpar\s91\qj \fi720\li0\ri0\sa120\widctlpar\tx720\tx1166\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 Where\endash 
\par }\pard\plain \ltrpar\s81\qj \fi-720\li1440\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 a}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
any Act or subordinate enactment other than this Act; or
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 (}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \cs82\i\fs24\insrsid12142062 b}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \cs82\fs24\insrsid12142062 )\tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\fs24\insrsid12142062 any document or instrument wherever made or executed,
\par }\pard\plain \ltrpar\s76\qj \li0\ri0\sa120\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs26\alang1025 \ltrch\fcs0 \f39\fs26\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \fs24\insrsid12142062 
contains a reference, express or implied, to the repealed Acts or to that Commissioner under the repealed Acts, that reference shall, unless the context otherwise requires, be read and construed as a re
ference to this Act or to the Commissioner, as the case may be.
\par 
\par 
\par Office of Legislative Counsel, PNG
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