alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
JOHN HANCOCK FINANCIAL SERVICES, INC.


                                                                    Exhibit 23.1

                         Consent of Independent Auditors

      We consent to the incorporation by reference in the documents listed below
of our report dated February 25, 2004 with respect to the consolidated financial
statements and schedules of John Hancock Financial Services, Inc. included in
the Annual Report (Form 10-K) for the year ended December 31, 2003:

      o     Registration Statement (Form S-8 No. 333-30782) pertaining to The
            Investment-Incentive Plan for John Hancock Employees and The John
            Hancock Savings and Investment Plan of John Hancock Financial
            Services, Inc.;,

      o     Registration Statement (Form S-8 No. 333-30718) pertaining to the
            John Hancock Financial Services, Inc. Long-Term Stock Incentive
            Plan;,

      o     Registration Statement (Form S-8 No. 333-52034) pertaining to The
            Investment Incentive Plan for the Employees of the John Hancock
            Funds Companies;.

      o     Registration Statement (Form S-8 No. 333-55064) pertaining to the
            Incentive Compensation Plan for Employees, Long-Term Incentive Plan
            for Senior Executives and Deferred Compensation Plan for Executives
            of John Hancock Financial Services, Inc.;,

      o     Registration Statement (Form S-8 No. 333-61206) pertaining to the
            1999 Long-Term Stock Incentive Plan and the Non-Employee Directors'
            Long-Term Stock Incentive Plan of John Hancock Financial Services,
            Inc.;,

      o     Registration Statement (Form S-3 No. 333-62668) of John Hancock
            Financial Services, Inc. and the related Prospectus pertaining to
            the registration of up to $1,000,000,000 of its debt securities,
            preferred stock, common stock, warrants, stock purchase contracts
            and stock purchase units;, and

      o     Registration Statement (Form S-3 No. 333-102743) of John Hancock
            Financial Services, Inc. and the related Prospectus Supplement
            pertaining to the registration of guarantees relating to market
            value adjustment interests under deferred annuity contracts; and

      o     Registration Statement (Form F-4 No. 333-110281) of Manulife
            Financial Corporation pertaining to the registration of 370,376,065
            shares of Manulife common stock in connection with the pending
            merger between Manulife Financial Corporation and John Hancock
            Financial Services, Inc.

                                             /S/ ERNST & YOUNG LLP

Boston, Massachusetts
March 12, 2004
|   |   |
|--------|--------|

**Filed      Pursuant To Rule 433, Registration No. 333-124310**
** **

**$1,000,000,000**

**CATERPILLAR      FINANCIAL SERVICES CORPORATION**

| **For                the Period: 2/12/2007 to 2/20/2007** |
|-----------------------------------------------------------|
| **Coupon**                                                | **Interest** | **Maturity** | **Callable** | **Survivor's****Option** | **Price****1** | **Yield****2** | **Moody's** | **S&P** | **CUSIP** |
| 5.050%                                                    | Semi-Annual(†††) | 2/15/09 | NO | YES§  | 100.00 | 5.050% | A2 | A | 14912HBC3 |
| 5.350%                                                    | Semi-Annual(†††) | 2/15/14 | 2/15/09***  | YES§  | 100.00 | 5.350% | A2 | A | 14912HBD1 |
| 5.500%                                                    | Monthly(†) | 2/15/17 | 2/15/09*  | YES§  | 100.00 | 5.563% | A2 | A | 14912HBE9 |
| 5.750%                                                    | Semi-Annual(†††) | 2/15/27 | 2/15/11***  | YES§  | 100.00 | 5.750% | A2 | A | 14912HBF6 |

*All      offerings are subject to prior sale.*
<PAGE>

      INDEPENDENT ACCOUNTANTS' REPORT



                                                                    EXHIBIT 15.1

To the Board of Directors of
Peak International Limited

We have reviewed the accompanying consolidated balance sheet of Peak
International Limited and subsidiaries as of June 30, 2000, and the related
consolidated statements of income and cash flows for the three months then
ended. These financial statements are the responsibility of the Company's
management.

We conducted our review in accordance with standards established by the American
Institute of Certified Public Accountants. A review of interim financial
information consists principally of applying analytical procedures to financial
data and of making inquiries of persons responsible for financial and accounting
matters. It is substantially less in scope than an audit conducted in accordance
with auditing standards generally accepted in the United States of America, the
objective of which is the expression of an opinion regarding the financial
statements taken as a whole. Accordingly, we do not express such an opinion.

Based on our review, we are not aware of any material modifications that should
be made to such condensed consolidated financial statements for them to be in
conformity with accounting principles generally accepted in the United States of
America.

We have previously audited, in accordance with auditing standards generally
accepted in the United States of America, the consolidated balance sheet of Peak
International Limited and subsidiaries as of March 31, 2000, and the related
consolidated statements of income, shareholders' equity, and cash flows for the
year then ended (not presented herein); and in our report dated April 28, 2000,
except for Notes 5 and 11(c) to the financial statements, as to which the date
is August 4, 2000, we expressed an unqualified opinion on those financial
statements. In our opinion, the information set forth in the accompanying
condensed consolidated balance sheet as of March 31, 2000 is fairly stated, in
all material respects, in relation to the balance sheet from which it has been
derived.

DELOITTE TOUCHE TOHMATSU
Hong Kong,
August 4, 2000
Exhibit 10.1


 


CONSENT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM


 


We consent to the incorporation
by reference in the Registration Statement (Form F-3 No. 333-188107) of Gazit Globe Ltd. and in the related Prospectus of our reports
dated March 30, 2016, with respect to the consolidated financial statements and schedule of Gazit Globe Ltd. and subsidiaries,
and the effectiveness of internal control over financial reporting of Gazit Globe Ltd. and subsidiaries included in this Annual
Report (Form 20-F) for the year ended December 31, 2015.


 


		/s/  Kost Forer Gabby
& Kasierer
	Tel-Aviv, Israel	KOST FORER GABBAY & KASIERER
	April 21, 2016	A Member of Ernst & Young Global
Exhibit 23

Notice Regarding Consent of Arthur Andersen

This Annual Report on Form 10-K for the year ended December 31, 2002 includes a report of independent public accountants previously
issued by Arthur Andersen LLP ("Andersen"), which has ceased operations. The reprinting of Andersen's report is not the equivalent of a current reissuance of that report as would be required if
Andersen was still operating. Because Andersen is no longer conducting operations, F&M Bancorp could not obtain Andersen's consent to the incorporation by reference of its report appearing in this
Annual Report into registration statements filed by F&M Bancorp with the Securities and Exchange Commission and currently effective under the Securities Act of 1933, as amended (the "Securities Act").
Because Andersen has not consented to the incorporation by reference of its report, investors in F&M Bancorp common stock will not be able to recover against Andersen under Section 11 of the
Securities Act for any untrue statements of a material fact contained in the financial statements audited by Andersen that are contained in this Annual Report or for any omissions by Andersen to state
a material fact required to be stated therein.

---

QuickLinks
From: Shay Morgan

To: E-OHPSCA2713.EBSA

Date: Thursday, August 11, 2011 4:47:52 PM

It is not up to employees to decide for anyone else whether they use birth control. Any restrictions

would be counter-intuitive and wrong.

 Sharon Morgan
II

107TH CONGRESS

1ST SESSION S. 1481

To extend the moratorium enacted by the Internet Tax Freedom Act for

2 years, and encourage States to simplify their sales and use taxes.

IN THE SENATE OF THE UNITED STATES

OCTOBER 2, 2001

Mr. WYDEN (for himself, Mr. MCCAIN, and Mr. LEAHY) introduced the following bill; which was read twice and referred to the Committee on Commerce, Science, and Transportation

A BILL

To extend the moratorium enacted by the Internet Tax Freedom Act for 2 years, and encourage States to simplify

their sales and use taxes.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,

3 SECTION 1. SHORT TITLE.

4 This Act may be cited as the ‘‘Internet Tax Morato5 rium Extension Act’’.

6 SEC. 2. EXTENSION OF INTERNET TAX FREEDOM ACT MOR7 ATORIUM FOR 2 YEARS.

8 (a) IN GENERAL.—Section 1101(a) of the Internet

9 Tax Freedom Act (47 U.S.C. 151 nt.) is amended by
2

S 1481 IS

1 striking ‘‘3 years after the date of enactment of this

2 Act—’’ and inserting ‘‘on October 21, 2003:’’.

3 (b) CONFORMING AMENDMENTS.—Section 1101(a)

4 of that Act (47 U.S.C. 151 nt.) is further amended—

5 (1) by striking ‘‘taxes’’ in paragraph (1) and in6 serting ‘‘Taxes’’;

7 (2) by striking ‘‘1998; and’’ in paragraph (1)

8 and inserting ‘‘1998.’’; and

9 (3) by striking ‘‘multiple’’ in paragraph (2) and

10 inserting ‘‘Multiple’’.

11 SEC. 3. SENSE OF THE CONGRESS.

12 It is the sense of the Congress that State govern13 ments and interested business organizations should expe14 dite efforts to develop a streamlined simplified plan for

15 protecting State revenues affected by Internet use without

16 unnecessarily burdening interstate commerce.

Æ
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From: Heather Frederick

To: E-OHPSCA2713.EBSA

Subject: Thank you for supporting birth control access for all women

Date: Thursday, August 04, 2011 7:36:12 AM

Dear Kathleen Sebelius, Secretary of Health & Human Services,

I commend the Department of Health & Human Services' landmark decision requiring health insurers to

cover the full cost of contraception, with no co-pay, beginning in August 2012.

This policy places a much-needed importance on women's health that is too-often not a priority in

health care policy. Birth control is a critical part of preventive care, and making contraception available

to all women, regardless of their insurance or ability to pay for it, will significantly reduce long-term

health care costs associated with unplanned pregnancies.

Thank you for prioritizing women's basic health care needs!

Sincerely,

Heather Frederick

4025 Duval Rd. #2237

Austin, TX 78759
| For      the Period: 10/27/2008 to11/03/2008 |
|----------------------------------------------|

| Coupon | Interest                           | Maturity | Callable    | Survivor'sOption | Price1 | Yield2 | Moody's | S&P | CUSIP     |
|--------|------------------------------------|----------|-------------|------------------|--------|--------|---------|---------|-----------|
| 6.500% | Semi-Annual(†††) | 11/15/11 | NO          | YES§        | 100.00 | 6.500% | A2      | A       | 14912HMR8 |
| 7.750% | Monthly(†)                   | 11/15/15 | 11/15/10*** | YES§        | 100.00 | 7.876% | A2      | A       | 14912HMS6 |
Glaciers: Clues to Future Climate

#### By Richard S. Williams, Jr.,

This out-of-print General-Interest Publication has been made available in Portable Document Format.

A glacier is a large mass of ice having its genesis on land and representsa multiyear surplus of snowfall over snowmelt. At the present time,perennial ice covers about 10 percent of the land areas of the Earth.Although glaciers are generally thought of as polar entities, they also arefound in mountainous areas throughout the world, on all continentsexcept Australia, and even at or near the Equator on high mountains inAfrica and South America.

[Photograph: Oblique aerial view of crevasses at an icefall on Le Conte Glacier, Washington.]

---

This report is stored in Portable Document Format.Adobe Acrobat Reader is required to view it.If you already have Acrobat Reader 3.0 (or later) installedon your computer, click here to  download the complete report (769 K).

If you wish to download Acrobat Readerfree of charge, click here.

---

VIEW a list of other USGS General InterestPublications

U.S. Department of the InteriorU.S. Geological SurveyThis page is <URL: https://pubs.usgs.gov/gip/glaciers/>Maintained by: Publications ServicesLast modified 14 October 1999For more information about this report contact Richard S. Williams, Jr., at rswilliams@usgs.gov
### The Honorable Richard G. Kopf, United States District Judge 1 

### for the District of Nebraska, adopting the report an d reco mmendationof the Honorable David L. Piester, United State s Magistrate Judge for the District of Nebraska. ___________ No. 95-3531

___________ Ernest L. Sims, * * Appellant, * Appeal from the United States * District Court for the v. * District of Nebraska. * Frank X. Hopkins, * [UNPUBLISHED] * Appellee. *

___________ Submitted: April 10, 1996 Filed: April 30, 1996

___________ Before BOWMAN, BEAM, and MURPHY, Circuit Judges.

___________ PER CURIAM. Ernest L. Sims, a Nebraska prisoner serving a sentence of lif e imprisonment for first-degree murder, appeals th e judgment of the District Co urt denying his amended petition for a writ of habeas corpus. Fo r

1 reversal, Sims argues that the District Court erred in (1) denying him an evidentiary hearing, (2) denying in part his motion to expand the record, and(3) rejecting his claims of constitutional error and denying habea s relief. Havin gconsidered the briefs and arguments of the parties and th e recordon appeal, we conclude that the judgment of the District Court is correct in all respects. Because no error of law appears

### -2-

anda n extended opinion by this Court would add nothing of substantia l val ue to the thorough and well-written report and recommendation of th e Magistrate Judge, we affirm the judgment of the District Court withou t further discussion. AFFIRMED. See 8th Cir. R. 47B. A true copy. Attest: CLERK, U. S. COURT OF APPEALS, EIGHTH CIRCUIT.
<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                            5334
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       5526
<INVESTMENTS-CARRYING>                             276
<INVESTMENTS-MARKET>                               276
<LOANS>                                          54863
<ALLOWANCE>                                        595
<TOTAL-ASSETS>                                   69189
<DEPOSITS>                                       55579
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                849
<LONG-TERM>                                       5500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             4
<OTHER-SE>                                        7257
<TOTAL-LIABILITIES-AND-EQUITY>                   69189
<INTEREST-LOAN>                                   2332
<INTEREST-INVEST>                                  126
<INTEREST-OTHER>                                    37
<INTEREST-TOTAL>                                  2495
<INTEREST-DEPOSIT>                                1095
<INTEREST-EXPENSE>                                1251
<INTEREST-INCOME-NET>                             1244
<LOAN-LOSSES>                                       64
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1154
<INCOME-PRETAX>                                    551
<INCOME-PRE-EXTRAORDINARY>                         551
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       336
<EPS-BASIC>                                       0.82
<EPS-DILUTED>                                     0.82
<YIELD-ACTUAL>                                    8.34
<LOANS-NON>                                        329
<LOANS-PAST>                                        69
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   620
<CHARGE-OFFS>                                       93
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  595
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            595


</TABLE>
From: Michael Oenbrink

To: E-OHPSCA2713.EBSA

Subject: Respect for Rights of Conscience Act (H.R. 1179, S. 1467)

Date: Wednesday, August 31, 2011 4:12:14 PM

The actions of August 1, 2011, by the Department of Health and Human Services

(HHS) approving the final regulations for group health plans and health insurance

coverage under the Patient Protection and Affordable Care Act (PPACA) mandating

coverage of surgical sterilizations and all FDA-approved contraceptives (even those

that cause chemical abortion) as part of “preventive care service for women.”

Through insurance premiums and our taxes, forces those whom hold religious

convictions on life issues to violate thier conscience.

The failure to clearly provide protections to recognize this violation of conscience

unjustly forces religious organizations to support treatments that consider fertility

and pregnancy as a disease not as gifts from God.

Justice, freedom of Religion and conscience clasuses long recognized by the

goverment require an amendment and clarifications that protect the rights of

religious organizations and conscience.

Sincerely,

Rev. Michael J. Oenbrink