... Giving opinions plans to the Director of branch about: policies to develop new banking products and services, to improve procedure’s transactions, to build marketing plans, to enhance promotion, ... about bankcard1.1.1. History of bankcard Bankcard history began when individual retail merchants extended credit to their customers, allowing them to charge purchases to an account held by the ... with customers, marketing and introducing banking products and services; receiving feedback from customers about services, give ideas, guides to improve services in order to best serve customers....
... tall growing veg-etation to prevent power outages if trees contact power lines during storms and to increase access to downed power lines.Reduce Risks to Human Health. Toxicants or irritants produced ... Interference in Addition to Competition, 237Allelopathy, 237Responses of Plants to Allelochemicals, 241Methods to Study Allelopathy, 242Microbially Produced Phytotoxins, 243Parasitism, Predation, ... andstore a toxic substance called urushiol that causes intense itching and rash uponcontact with the skin. Many plants contain toxic substances that when ingestedcause sickness or death to humans....
... general supporting structures to develop agriculture, which the organic sector can use to develop its own activities. The main services the organic sector uses are related to promotion, marketing, ... proper process to get them back to the agriculture systems. The appropriate recycling of organic matter, e.g. leftovers or waste from marketplaces and households, to the farm sector is important. ... why mandatory regulations are considered to be the right policy response to develop the organic sector: • giving organic agriculture a more respectable and credible image; • access to export...
... forager to locate adjacent to the more domi-nant of the two food sources (say, A), especiallyif the resource targeted is difficult to transport,and to harvest the less dominant (B) or easier to transport ... of foragers to changing envi-ronmental circumstances. They conclude,“[b]ehavioral ecology seems to us to be the mostappropriate way to explain the transition fromhuman foraging to food production” ... conjectural. They ask, withouttoo much attention to specific cases or the em-pirical record of prehistoric findings on thistopic, how might the ideas of HBE be used to address the question of agricultural...
... theDepartment of Agriculture Report No. 05-02April 2005A Report to theGovernorand theLegislature ofthe State ofHawai`iConducted byThe AuditorState of Hawai`iandGrant Thornton LLPTHE AUDITORSTATE ... of Agriculture accounts receivables for FY2001-02 to FY2003-04 22Exhibit 3.1 Department of Agriculture, State of Hawaii, Statement of Net Assets, June 30, 2004 57Exhibit 3.2 Department of Agriculture, ... of Agriculture, State of Hawai`i, for the fiscal year July 1, 2003 to June 30, 2004. Theaudit was conducted pursuant to Section 23-4, Hawai`i Revised Statutes,which requires the State Auditor...
... interest and principal. Failure to review deposits may lead to incorrect reporting of principal balances to borrowers. The department cannot rely on the customer to identifyinaccuracies reported ... resort,"the program is not intended to compete with private sector lenders. Prospective applicants must inquire with and be denied credit fromprivate sector lenders prior to filing an application. In ... reporting of the department; to recommend improvements to such systems, procedures, and reports; and to report on thefairness of the financial statements of the department.2. To ascertain whether expenses/expenditures...
... this point, it is the division’s policy to submit theaccount to the Board of Agriculture for approval to forward theaccount to the Department of the Attorney General for furthercollection attempts ... sector, the ability of farmers to repay their loans issusceptible to many, sometimes uncontrollable, factors throughout theyear. The allowance should be analyzed monthly and used to monitorthe ... which the customer cannot be reached.We found that 471 out of 2,859 accounts included credit balances due to customers totaling approximately $46,000. Of this amount, 246accounts totaling approximately...
... engineering services to continue capital improvements to Hawai`i’s agricultural infrastructure.Due to their high demand, professional services contractors are subjected to the rigors of fierce ... thedepartment failed to determine whether contractors were suspended ordebarred from entering into contracts. As a result of its response to theseprior audit recommendations, we are pleased to report ... required to sign an "Annual Physical Inventory Certification" that is retained by theproperty custodian. Typical big ticket items that are counted during a year end physicalinventory...
... presented on abudgetary basis to the excess (deficiency) of revenues overexpenditures presented in conformity with GAAP.Explanatory notes, which are pertinent to an understanding of the basicfinancial ... mission of the department, State of Hawai`i, is to stimulate growthin agriculture with programs that provide the foundation foragricultural enterprises to build successful businesses. The departmentadministers ... directexpenses of a given function are offset by program revenues. Directexpenses are those that are clearly identifiable with a specific function.Program revenues include charges to customers who purchase,...
... contributory option are required to contribute 7.8 percent of their salary. Police officers, firefighters,investigators of the departments of the County Prosecuting Attorney andthe Attorney ... narcotics enforcement investigators, and publicsafety investigators are required to contribute 12.2 percent of theirsalary. The funding method used to calculate the total employercontribution ... plan), subject to the claims of the State’s general creditors.Participants’ rights under the plan are equal to those of the generalcreditors of the State in an amount equal to the fair market...
... Affected AgencyWe transmitted a draft of this report to the Department of Agriculture onApril 4, 2005. A copy of the transmittal letter to the department isincluded as Attachment 1. The response ... response of the department is included asAttachment 2.The department states that it was given an opportunity to adjust itsallowance for loan losses, and thereby believes that a qualifying opinionshould ... losses, the related qualification to the opinion in the draft report wasremoved. However, a material weakness still exists as the department’smethodology used to determine its allowance for loan...