zilongwang/ReadingBank huggingface dataset:
wanted to include it, and not include it if they felt, well, that can wait for the next report. What you could have done was to put in writing to ASIC what the total amount of estimated compensation for all of the PSF events was?Yes, yes, I could have done that. And there was a decision made not to do that?Well, I don’t think that – I don’t think there was a decision made not to do that. The decision – there was a positive decision made. Mr Hodge, this is a positive, proactive communication to ASIC. It’s actually the sort of thing that ASIC wants in a constructive relationship saying, “We know you’ve got this report going out. We’re actually near finalisation on this matter. The door is open. It can wait till the next report. But that’s your call.” Mr Hagger, let’s look at another document is the one I think you’ve been referring to, which is NAB.044.010.7685. The file note, Commissioner, is already in evidence. THE COMMISSIONER: Yes. MR HODGE: So this is an email that you send on the late afternoon of 22 October to Mr Cahill and copied to Mr Thorburn?Sorry, it’s here. You see that?Yes, that’s right. That’s what I was referring to. And you see at the bottom of the chain of emails, Mr Thorburn writes and says: Can we please discuss Monday when we meet. ?Yes, I see that. And then you see the next email in time is from Mr Cahill saying: We are waiting for Andrew H to consider over the weekend and make a recommendation. ?Yes, I see that. And then you see at the top of the page you are emailing Mr Cahill and Mr Thorburn saying: Yes, that’s still our plan. Referring to the original recommendation, which is if it we go over the page to .7686, you see Mr Goonan is explaining that the present thinking is:
Index of Witness Events LYNETTE MARGARET MELCER P-4710 EXAMINATION-IN-CHIEF BY MR KELLY P-4710 BY MS ORR P-4711 THE WITNESS WITHDREW P-4729 ANDREW PAUL HAGGER, RECALLED AND RESWORN P-4730 EXAMINATION-IN-CHIEF BY MR THOMAS P-4730 CROSS-EXAMINATION BY MR HODGE P-4732 THE WITNESS WITHDREW P-4803 MAURIZIO PINTO, SWORN P-4804 EXAMINATION-IN-CHIEF BY MR KIRK P-4804 CROSS-EXAMINATION BY MR HODGE P-4806 THE WITNESS WITHDREW P-4815 Index of Exhibits and MFIs EXHIBIT #5.138 SUMMONS TO MS MELCER P-4710 EXHIBIT #5.139 STATEMENT OF MS MELCER 30/07/2018 P-4711 EXHIBIT #5.140 QSUPER RECONCILIATION ACTION PLAN LAUNCH 2018 (QSU.0008.0002.0072) P-4713 EXHIBIT #5.141 DRAFT LETTER TO MEMBER (QSU.0008.0003.0045) P-4721 EXHIBIT #5.142 REPORT OF INDIGENOUS SUPERANNUATION SUMMIT DECEMBER ’16 (RCD.0014.0035 .0061) P-4722 EXHIBIT #5.143 REPORT OF INDIGENOUS SUPERANNUATION SUMMIT, JULY ’15 (RCD.0014.0035.0001) P-4723 EXHIBIT #5.144 IDENTITY DECLARATION, JUNKURI LAKA, MORNINGTON ISLAND (QSU.0008.0007.0001) P-4724 EXHIBIT #5.145 SUMMONS TO MR HAGGER P-4732 EXHIBIT #5.146 EMAILS ENTITLED ASIC ASF/PSF REPORTING BETWEEN DEBENHAM, HAGGER AND OTHERS, 26 SEPTEMBER AND 19 OCTOBER ’16 P-4736
EXHIBIT #5.164 STATEMENT OF MR PINTO DATED 05/08/2018 P-4805 EXHIBIT #5.165 STATEMENT OF MR PINTO DATED 06/08/2018 P-4805 EXHIBIT #5.166 BOARD SUBMISSION DATED 18/04/2013 (SUN.1506.0018.0001) P-4810
Index of Witness Events HELEN THERESE TROUP, ON FORMER OATH P-5616 CROSS-EXAMINATION BY MS ORR P-5616 THE WITNESS WITHDREW P-5653 LORAINE KAREN VAN EEDEN, SWORN P-5658 BY MR BEAUMONT P-5658 CROSS-EXAMINATION BY MS ORR P-5660 THE WITNESS WITHDREW P-5726 Index of Exhibits and MFIs EXHIBIT #6.158 HEART ATTACK DEFINITION UPDATED SUMMARY DOCUMENT (CBA.0001.0525.0096) P-5616 EXHIBIT #6.159 DRAFT PRODUCT DESIGN DESCRIPTION FROM FEBRUARY 2012 (CBA.1002.0004.0010) P-5616 EXHIBIT #6.160 DRAFT PRODUCT DESIGN DESCRIPTION FROM APRIL 2012 (CBA.1002.0004.0023) P-5617 EXHIBIT #6.161 DRAFT PRODUCT DESIGN DESCRIPTION FROM SEPTEMBER 2012 (CBA.1002.0004.0041) P-5617 EXHIBIT #6.162 DRAFT PRODUCT DESIGN DESCRIPTION FROM MARCH 2013 (CBA.1002.0004.0351) P-5617 EXHIBIT #6.163 DRAFT PRODUCT DESIGN DESCRIPTION FROM OCTOBER 2013 (CBA.1002.0004.0274) P-5617 EXHIBIT #6.164 DRAFT PRODUCT DESIGN DESCRIPTION FROM NOVEMBER 2013 (CBA.1002.0004.0315) P-5617 EXHIBIT #6.165 CBA WEBSITE DECEMBER ’12 TO ’16 WEB CAPTURE TAILORED LIFE INSURANCE (ASIC.0066.0001.1098) P-5621 EXHIBIT #6.166 CBA WEBSITE WEB CAPTURE JUNE ’13 TO MARCH ’16 TRAUMA (ASIC.0066.0001.1106) P-5622 EXHIBIT #6.167 TRAUMA PAMPHLET JUNE ’15 TO MARCH ’16 (ASIC.0066.0001.1112) P-5623 EXHIBIT #6.168 THE BIG FOUR TRAUMA CLAIMS PAMPHLET, JUNE ’15 TO MARCH ’16 (ASIC.0066.0001.1114) P-5625
EXHIBIT #6.219 STATEMENT OF JASON BRETT SOMMER DATED 12/09/2018 IN ANSWER TO RUBRIC 6-42 P-5802 EXHIBIT #6.220 STATEMENT OF NOEL LACEY DATED 12/09/2018 IN ANSWER TO RUBRIC 5-74 P-5803 EXHIBIT #6.221 STATEMENT OF NOEL LACEY DATED 31/09/2018 IN ANSWER TO RUBRIC 6-43 P-5803 EXHIBIT #6.222 STATEMENT OF COLIN CASSIDY, DATED 31/08/2018 IN RESPONSE TO RUBRIC 6-44 P-5804 EXHIBIT #6.223 SUMMONS TO MR ROSS P-5804 EXHIBIT #6.224 STATEMENT AND EXHIBITS OF MR ROSS DATED 31/08/218 IN RESPECT OF RUBRIC 6-41 (WIT.001.0144.001) P-5805 EXHIBIT #6.225 STATEMENT OF MR ROSS IN RESPECT OF RUBRIC 6-65 DATED 07/09/2018 (WIT.001.0154.001) P-5805 EXHIBIT #6.226 INSURANCE IN SUPERANNUATION VOLUNTARY CODE OF PRACTICE (RCD.0025.0005.0606) P-5813 EXHIBIT #6.227 AIA PROCEDURAL FAIRNESS LETTER ABOUT DECLINING TPD DATED 10/11/2017 (RST.0011.0001.0137) P-5827 EXHIBIT #6.228 ASIC REPORT 529 MEMBER EXPERIENCE OF SUPERANNUATION, JUNE ’17 (RCD.0025.0003.0334) P-5827
So the has just been established?There was a previous forum. This – this has been re-engineered, if you like, or – yes. Who is Kelly Power?She is the head of product. Does she report to you?She does. All So do all of these people listed here report either directly to you or indirectly to you?No. They don’t – so do you want me to go through it? Yes, please?Brendan French is the CBA customer advocate. Linda Fox is the CFO for Colonial. She does not report directly to me. Franca DiBlasio is the line 2 risk person responsible for Colonial and does not report to me. Todd Stephenson reports to me. He is in a customer and marketing role. Peter Chun is now in a – in a distribution role and reports to me. Kylie Turner reports to Kelly Power, is a product specialist. The same for Dave Yates. Geoff Ferris is in our customer operations team. That’s customer operations within Colonial First State?Yes. So ?Reports to somebody who reports to me. Sue Wallace is in the wrap business in Melbourne as a product specialist. Again, within the business ?Yes. that reports to you?Same for Deb Taylor. Peter Labrie a product specialist. Lisa Rava legal and does not report to me. Dale Hawkins is in a Wealth management – I am not actually sure what the title is but does not report to me. And Marisa Wallace – I’m not sure. And then there are some apologies, one of whom is you?Is me, yes. And then Scott Henricks?Operations. And Bronwyn Edel or Edel?I think Bronwyn might be in risk. I’m not sure. Nick Clemence is risk. In any event, this is a forum comprised of ?People who do and people who don’t. a number of people who report either directly or indirectly to you?Yes. Correct. And also some people from customers relations?Yes, customer advocate. I’m the customer advocate.
AUSCRIPT AUSTRALASIA PTY LIMITED ACN 110 028 825 T: 1800 AUSCRIPT (1800 287 274) E: clientservices@auscript.com.au W: www.auscript.com.au TRANSCRIPT OF PROCEEDINGS O/N H-871452 THE HONOURABLE K. HAYNE AC QC, Commissioner IN THE MATTER OF A ROYAL COMMISSION INTO MISCONDUCT IN THE BANKING, SUPERANNUATION AND FINANCIAL SERVICES INDUSTRY MELBOURNE 9.45 AM, THURSDAY, 15 2018 Continued from 14.3.18 DAY 4 MS R. ORR QC appears with MR A. DINELLI and MS E. DIAS as Counsel Assisting with MS S. ZELEZNIKOW DR M. COLLINS QC appears with MR M. RUSH, MR N. DE YOUNG and MS K. BRAZENOR for ANZ MR R. DICK SC appears with MR J. WATSON and MS E. BEECHEY for APRA MS L. NICHOLS SC appears with MS C. VAN PROCTOR for ASIC MR C. SCERRI QC appears with MR P. KULEVSKI for CBA MS D. HOGAN-DORAN SC appears with MS J. SHEPARD for Aussie Home Loans MR P. ANASTASSIOU QC appears with MR B. JELLIS for Commonwealth MS K. REES SC appears with MR D. HEALEY for Citigroup MR A. SLEVIN appears for Finance Sector Union of Australia MR D. MACKAY appears for ING Bank MS W. HARRIS QC appears with MR R. MS K. FOLEY and MS P. THIAGARAJAN for NAB MS R. DOYLE SC appears with MR D. FAHEY for Smartline Home Loans MR J. SHEAHAN QC appears with MS P. NESKOVCIN QC and MR J. ARNOTT for Westpac
EXHIBIT #1.36 EMAIL BASELEY TO BOER DATED 24/02/2017 (CBA.001.0100.5795) P-286 EXHIBIT #1.37 LETTER FROM MR NAREV TO MR SEDGWICK DATED 10/02/2017 AND THE ANNEXED ISSUES PAPER SUBMISSION DATED 10/02/2017 (CBA.0001.0038.0929) P-288 EXHIBIT #1.38 INTERNAL AUDIT REPORT DATED 16/08/2017 (CBA.0508.001.0029) P-296 EXHIBIT #1.39 ISSUES LOGS DATED SEPTEMBER 2017 (CBA.0508.0001.0001) P-302 EXHIBIT #1.40 SUMMONS TO MS HARRIS P-310 EXHIBIT #1.41 STATEMENT OF MS HARRIS WITH EXHIBITS DATED 07/03/2018 P-311 EXHIBIT #1.42 FROM McKENZIE TO MacDONALD DATED 08/08/2013 (AHL.0002.0001.2421) P-324 EXHIBIT #1.43 FROM McKENZIE DATED 09/08/2013 (AHL.0002.0001.2463) P-324 EXHIBIT #1.44 CONTRACT OF SHIV SAHAY (ASIC.0011.0006.0017) P-325 EXHIBIT #1.45 INCIDENT REPORT (AHL.0002.0001.2409) P-325 EXHIBIT #1.46 EMAIL FROM MELISSA GOOD TO MELANIE TOMKINS DATED 19/09/2013 (AHL.0002.0001.4786) P-325 EXHIBIT #1.47 EMAIL TO McKENZIE AND ACCOMPANYING EMAILS (AHL.0002.00014701) P-326 EXHIBIT #1.48 BANKWEST BROKER INVESTIGATION DATED 17/09/2013 (AHL.0001.0001.5070) P-328 EXHIBIT #1.49 FROM RAKHIT TO McKENZIE DATED 17/09/2013 (AHL.0002.0001.4780) P-328 EXHIBIT #1.50 ACTION PLAN FROM KLENNER TO SYMOND AND OTHERS DATED 13/09/2013 P-330
In relation to white label products, Mr Green said that neither AMP nor any entity associated with AMP manufactures products that are made available to any intermediary to sell under its own branding. I will tender the statement of Mr Green dated 12 April 2018. THE COMMISSIONER: That will be exhibit 2.4. EXHIBIT #2.4 STATEMENT OF MR DATED 12/04/2018 MS ORR: And in response to your question, Commissioner, about the timing, the request to AMP was sent on Wednesday, 28 March seeking the statement and the exhibits by Tuesday, 3 April. An extension was granted at AMP’s request to Wednesday, 4 April. The statement was provided in its final form on 12 April and the spreadsheet provided, as the Commissioner has heard, late last night. THE COMMISSIONER: Yes. MS ORR: We turn to CBA, Commissioner. CBA provided three statements. The first was provided by Mr Hugh Humphrey, who is the general manager of bank financial planning at CBA. This statement deals with the topic of conflicted remuneration in relation to Commonwealth Financial Planning and BW Financial Advice. Mr Humphrey told the Commission that since 1 July 2013, the only benefits that Commonwealth Financial Planning and BW Financial Advice have provided to financial advisers that could reasonably be expected to influence their advice were payments of commission in relation to insurance. Mr Humphrey said that in some cases these payments were shared directly with advisers, and in other cases they contributed to increasing the advisers’ variable remuneration. Mr Humphrey also explained the measures that Commonwealth Financial Planning and BW Financial Advice have taken to ensure that their advisers do not receive prohibited conflicted remuneration. These measures include training for advisers and the analysis of payments received from product providers to identify particular types of prohibited conflicted remuneration. I tender the statement of Mr Hugh Humphrey dated 13 April 2018. THE COMMISSIONER: That will be exhibit 2.5. EXHIBIT #2.5 STATEMENT OF MR HUGH HUMPHREY 13/04/2018 MS ORR: The second CBA statement was provided by Mr Mark Ballantyne who is the financial manager of Financial Wisdom and CFP Pathways. This statement deals with the topic of conflicted remuneration in relation to Financial Wisdom, CFP
Hence, the only way in which they could find out about these issues was by this information being passed from AMP Capital to AMP Life to the Group Investment Committee, and then on to them?Yes, the level of monitoring we do wouldn’t pick up something that would impact a member at such a small level. And as it turned out, how long had this issue with AMP Capital’s charging of fees been going on?Quite some time. A number of years. How – at the moment, how far back is it thought to extend?I believe it’s around about 2014. I see?But I’m remembering rather than knowing. I tender that document, Commissioner. THE COMMISSIONER: AMP Capital breach notice to ASIC, 3 August ’17, AMP.6000.0015.0710, exhibit 5.295. EXHIBIT #5.295 AMP CAPITAL BREACH NOTICE TO ASIC DATED 03/08/2017 (AMP.6000.0015.0710) MR HODGE: Commissioner, I don’t have any further questions for Ms Sansom. THE COMMISSIONER: Ms Sansom, just this last matter you’ve raised or has been raised with you, do you consider that the trustee is in a position to fulfil its obligations in light of the information that underpins that breach notice?Broadly, I believe so, but we need to keep working with the parties that we work with to strengthen controls and apply further so we continually evolve what we do and we will continue to do that from this point onwards. And how can you do that with a staff of 15?Through the outsourcing arrangements that we have in place, the outsource providers are required to act in accordance with trustee obligations. No doubt the contract provides that the outsourced – the providers of outsourced information should act properly. Is the trustee in a position where it is able to determine whether the entities to which the functions are outsourced are in truth performing those functions as agreed?To an extent, but it’s not a perfect system. To any extent, Ms Sansom, rather than to some extent, is it able to any extent to determine whether the entity to which the task is outsourced is performing its functions according to contract?Yes, I believe so.
She’s making a decision on behalf of the insurer while acting in her capacity as administrator for the trustee?It appears as though, having had feedback from the product area The product area?Yes. Is that your people?No. Who ?It’s the insurer. The insurer?Yes. Thank you. The second paragraph: Furthermore, AMP Life has consistently kept the member informed his insurance cover by issuing annual statements that clearly show the insurance coverage attached to this plan and the member has had multiple opportunities over the years to ask AMP Life to cancel this insurance or challenge its validity. Do you accept that that sentence has got nothing to do with the member’s complaint?Yes, I do. Other than the opportunity for the member to challenge the premiums that – that he was paying as displayed on the statements. This complaint wasn’t about the fact of insurance and whether it was valid, it was about the amount being paid for it?That’s right. It then says: AMP Life has a responsibility to all of our members fairly and we cannot make exceptions that may compromise our position with other members that may have requested the same refund due to their own negligence. Does that mean that the better position is for AMP Life to treat all members in this category unfairly?No, I don’t believe that was the intent of the statement. She then says: AMP Life would have honoured a claim subject to an assessment had there been one made during the period and therefore our position remains that we will not be refunding the member any insurance premium fees. that goes to the fact of the insurance, not to the cost of the insurance?Yes, I agree.
EXHIBIT #6.252 STATEMENT OF MICHAEL WINTER 30/08/2018 P-5903 EXHIBIT #6.253 STATEMENT OF DAVID KRAWITZ DATED 30/08/2018 P-5903 EXHIBIT #6.254 STATEMENT OF MARK MILLINER DATED 30/08/2018 P-5903 EXHIBIT #6.255 STATEMENT OF MILES SOWDEN DATED 30/08/2018 P-5903 EXHIBIT #6.256 STATEMENT OF SINEAD TAYLOR 30/08/2018 P-5903 EXHIBIT #6.257 STATEMENT OF GARETH RUSSELL DATED 30/08/2018 P-5904 EXHIBIT #6.258 STATEMENT OF CHRISTOPHER KALORI 30/08/2018 P-5904 EXHIBIT #6.259 STATEMENT OF DAVID ROBERTS DATED 30/08/2018 P-5904 EXHIBIT #6.260 STATEMENT OF SUSAN HOUGHTON DATED 30/08/2018 P-5904 EXHIBIT #6.261 STATEMENT OF BERT BAKKER 30/08/2018 P-5904 EXHIBIT #6.262 SUMMONS TO MR WINTER P-5910 EXHIBIT #6.263 STATEMENT AND EXHIBITS OF MR WINTER IN RELATION TO RUBRIC 6-63 DATED 24/08/2018 P-5910 EXHIBIT #6.264 EMAILS OF ALLIANZ AUSTRALIA INSURANCE, 10 DECEMBER ’15 TO 18 DECEMBER ’15 CONCERNING WEBSITE REFRESH (ALZ.001.0111.0006) P-5920 EXHIBIT #6.265 EMAILS BETWEEN 18 DECEMBER ’15 AND 2 JANUARY 2016 CONCERNING WEBSITE REFRESH (ALZ.0001.0111.0001) P-5924 EXHIBIT #6.266 EMAILS OF 12 JANUARY ’16 CONCERNING WEBSITE REFRESH (ALZ.0001.0140.0007) P-5925 EXHIBIT #6.267 EMAILS OF 29 JANUARY ’16 CONCERNING WEBSITE REFRESH (ALZ.0001.0140.0011) P-5926
EXHIBIT #1.111 LIFE PRODUCT STRATEGY BANK CHANNEL DISTRIBUTION DATED 05/03/2018 (CBA.0508.0003.0014) P-565 EXHIBIT #1.112 EMAILS BETWEEN VAN HOREN AND COMYN DATED 28/02/2018 (CBA.0508.0006.0014) P-569
you like me to show it to you?Yes, that would be good. Yes, thanks. It’s exhibit 19 to your statement, which is IAG.502.002.0719. You see it’s prepared by Group Corporate Affairs, June 2015 at the top?Yes. And the purpose of the memo is: ...to determine whether there’s a need for support from the policy and government team through targeted government advocacy and persuasive policy positions to ensure outcomes favourable to IAGs business interests. ?Yes. And it then goes on to talk about the background and, in particular, how there had been significant investigations into consumer credit insurance in Europe?Yes. And I it’s fair to say that those investigations were at least one of the triggers for ASIC investigating in Australia?Yes. And then is quite a bit of discussion in this memo about different aspects of consumer credit insurance. And do you recall it notes some product design issues. I don’t want to take you specifically to them?Yes. But it that there are some product design issues?Yes. It notes that there are conflicts in the remuneration practices for the sale of the products. And it suggests that what is required is an IAG-wide approach to the issue rather than a business by business approach?IAG, yes, that’s right. Yes?That’s right. you. On 11 June 2015 you emailed Stuart Chapman. You’ve exhibited that to your statement as well. It’s exhibit 1, which is IAG.500.100.5078?Yes. And in the email which you will see when it comes up, you are seeking to understand any dialogue Swann may have had with any regulators over the last 12 to 18 months?That’s right. And I suspect you’re taking that step because it was what May ?May of May you came into the business?May of 2015, yes. So you’ve been in the business for a month or so?Yes. At this in time. And you’re seeking to understand the extent to which regulators have been interested in Swann?Yes, I was aware generally of industry
MS ORR: Dated 7 January 2011. THE COMMISSIONER: 7 January ’11, BAB.5024.0001.1708, exhibit 4.127. EXHIBIT #4.127 LETTER APRA TO RURAL BANK LIMITED DATED 07/01/2011 (BAB.5024.0001.1708) THE COMMISSIONER: Is that a point at which MS ORR: Just before we break, if you wouldn’t mind, Commissioner. THE COMMISSIONER: No, of course not. MS ORR: Following receipt of that report in February 2011, Bank started querying whether it might have systemic issues in respect of loan management. Do you agree with that?Through the Taso Corolis report, yes. Mr Corolis’ report. So by this time a further 156 customers had been downgraded by three or more credit grades in the previous year?Yes. And there was then a meeting of the board credit committee on 2 February 2011 that was the genesis of Mr Corolis’ work?Yes. I will come to that meeting the break, if the Commission pleases. THE COMMISSIONER: Yes. 2 pm. ADJOURNED [1.01 pm] RESUMED [2.00 pm] THE COMMISSIONER: Yes, Ms Orr. MS ORR: Ms Gartmann, before the I had asked you some questions about February 2011, when Rural Bank was starting to query whether it had systemic issues in relation to loan management. Could I ask you to look at exhibit 7 to your statement, BAB.5022.0004.0005. These are minutes of a board credit committee meeting on 2 February 2011. And do we see there, at the bottom of the page – do you have that there, Ms Gartmann?I have on the screen, yes.
Mr van Mr Dinelli has asked you questions about the error, and it has been variously described as a system error and a programming error. Just for the record, could you say in plain English what the error was?I believe it was a programming error where we intended for the flow of data between different systems in our credit assessment process to – to – to flow in – in that designed way, and the programming errors meant that the data did not flow the way it was intended to do and, therefore, the incorrect fields were used in the final credit decision. And what is meant precisely by a programming error?What that means is the – the way you have to bring together all the components of that credit decisioning system, there are multiple systems and linking pieces of infrastructure, and you have to write code – somebody has to write code with suitable skills to make sure that the data flows correctly from each component of those systems to the other. So ?And so the programming error was one where the – the coding was incorrect and caused that data to flow through incorrectly. Did you ever find out how many of code were incorrect?I didn’t. And the code is written by human being, rather than a machine?It’s written by a human being, yes. And it was corrected by being?Yes. When it was discovered?Yes. And do you accept the proposition that the fact that the error occurred showed that the bank didn’t care about the accuracy and reliability of its systems?Absolutely not. I think, you know, we – we completely care about the accuracy and reliability of our systems and put in significant effort to get that right. We don’t always, but it absolutely does not indicate that we do not care. How many transactions, speaking in perhaps billions or trillions, would the data management systems process in a month, say? THE COMMISSIONER: You need to confine the question a bit. Are we talking whole of bank, whole of group? What are we talking? MR SCERRI: Whole of the retail – the retail business unit. THE COMMISSIONER: Yes. Right?It’s a very, very large number. You know, we’ve got close to 10 million customers who have, on average, three products each, so typically a transaction account, a day-to-day bank account and credit cards and home loans and the like. Many, many billions of transactions every month. Many, many billions.
patient rights continues to be a major concern of ours and I would echo a lot of the issues that we raised back in March. DOCTOR SLOANE: Can you go back to what you just said again? I missed the most recent comment you just made. MR. ERWIN: On informed consent? DOCTOR SLOANE: Yes. MR. ERWIN: So the informed consent piece is also mirrored in 2.43, 3.0 which we heard back in so our comments pretty much reflect what was said back then. There currently are requirements and guidance on best practices including CMS standards, ACS standards and the Board's current regulations, which we believe are clear and highly effective, ensuring that patients are provided all relevant information prior to deciding on a clinical course. the concerns we have is that the application of this provision is to, quote, any diagnostic, therapeutic or invasive procedure, medical intervention or treatment, which pretty much mean every patient encounter. The proposal also requires information that may not be known at
of Witness Events ALASTAIR DEREK DAWSON WELSH, ON FORMER AFFIRMATION P-2420 EXAMINATION-IN-CHIEF BY MR DARKE P-2420 CROSS-EXAMINATION BY MS ORR P-2421 RE-EXAMINATION BY MR DARKE P-2466 FURTHER BY MS ORR P-2467 THE WITNESS WITHDREW P-2468 RIEN LOW, AFFIRMED P-2469 BY MS ORR P-2469 THE WITNESS WITHDREW P-2493 DAVID ANTONY CARTER, AFFIRMED P-2493 EXAMINATION-IN-CHIEF BY MS MITCHELMORE P-2493 CROSS-EXAMINATION BY MS ORR P-2494 THE WITNESS WITHDREW P-2534 of Exhibits and MFIs EXHIBIT #3.58 SUMMONS TO MR P-2420 EXHIBIT #3.59 STATEMENT OF MR AND ITS EXHIBITS IN RESPONSE TO RUBRIC 3-10 P-2420 EXHIBIT #3.60 SCREENSHOT EVENTS CONCERNING BYABARRA PROPERTY, 4 TO 17 MAY 2016 (WBC.403.002.7400) P-2435 EXHIBIT #3.61 EMAILS BETWEEN ATHANASOPOULOS, BRANDER AND OTHERS DATED 16/05/2016 (WBC.403.006.2322) P-2438 EXHIBIT #3.62 EMAILS BETWEEN HANDLEY, O’TOOLE AND OTHERS DATED 20/05/2016 (WBC.403.002.0398) P-2440 EXHIBIT #3.63 INTERNAL NOTES, BANK OF MELBOURNE (FOS.0015.0001.0502) P-2447 EXHIBIT #3.64 EMAILS BETWEEN MEI ZHAO AND WALLIS DATED 10/07/2017 (WBC.403.007.1202) P-2447 EXHIBIT #3.65 ADVANCE APPLICATION FILE (WBC.403.001.1118) P-2449 EXHIBIT #3.66 EMAILS BETWEEN GOEL, CONDER AND OTHERS DATED OCTOBER 2017 (WBC.403.001.1737) P-2451
<BENJAMIN WILLIAM STEINBERG, ON FORMER AFFIRMATION [9.52 am] BY MS ORR THE COMMISSIONER: I’m sorry we have started late, but the technology gremlins have apparently done their thing again. That which was tested this morning then proved it wanted to have a little holiday. So there we are. Yes, Ms Orr. MS ORR: you, Commissioner. Now, Mr Steinberg, I want to pick up where I left off yesterday. We were dealing with ANZ MR ..........: Can’t hear. MS ORR: We were dealing with THE COMMISSIONER: Well, I won’t have interruptions like that. I just won’t have it. Go on, Ms Orr. MS ORR: We were dealing with ANZs provisioning for the Landmark loan book. Now, is it fair to say that the quality of the loans that comprised the Landmark loan book was worse than ANZ had anticipated?Yes. And in your statement you have provided a table that sets out the number and value of the former Landmark accounts that were impaired and high risk?In my Rubric 4 Yes, your original statement?Yes. Yes?I do, yes. If we go to that – that’s at paragraph 35 of your first statement. I will just get the document ID for that. It’s ANZ.999.010.0069. That’s the statement. And the table appears ?Well, mine is 79, Ms Orr. Is that paragraph 35? Yes. I’m I was directing you first to the first page of the statement ?Yes. which you now have on the screen. And then the table that I want you to look at is at 0079 to 0080. Now ?So I’ve got a table that goes from 78 to 79. Thank you?Yes.
EXHIBIT #2.268 ATTACHMENT TO EXHIBIT #2.267 BEING FINAL REPORT OF CLAYTON UTZ (AMP.6000.0062.8585) DATED 16/10/2017 P-1933 EXHIBIT #2.269 MICROSOFT OUTLOOK SCHEDULE ACCEPTANCE OF MEETING TO TAKE PLACE ON 17/08/2017 (AMP.6000.0061.7848) P-1933 EXHIBIT #2.270 EMAIL FROM LARISSA BAKER COOK TO NICHOLAS MAVRAKIS AND EDMOND PARK (AMP.6000.0062.2774) DATED 13/09/2017 P-1933 EXHIBIT #2.271 EMAIL FROM NICHOLAS MAVRAKIS TO BRIAN SALTER REGARDING BOLR REPORT REVISED DRAFT (AMP.6000.0052.1097) DATED 04/10/2017 P-1933 EXHIBIT #2.272 ATTACHMENT TO EMAIL EXHIBIT #2.271 BEING BOLR REPORT INCORPORATING CHANGES IN MARK-UP FOLLOWING DISCUSSIONS WITH CATHERINE BRENNER (AMP.6000.0052.1098) P-1934 EXHIBIT #2.273 EMAIL FROM LARISSA BAKER COOK TO NICHOLAS MAVRAKIS AND EDMOND PARK REGARDING FINAL DRAFT OF BOLR REPORT (AMP.6000.0062.6108) DATED 24/09/2017 P-1934 EXHIBIT #2.274 EMAIL FROM BRIAN SALTER TO MEMBERS OF THE BOARD REGARDING UPDATE ON CU REPORT (AMP.6000.0075.8381) DATED 15/10/2017 P-1934 EXHIBIT #2.275 ATTACHMENT TO EMAIL EXHIBIT #2.274 BEING PAGES OF CLAYTON UTZ REPORT WITH UPDATES IN MARK-UP (AMP.6000.0075.8302) P-1934 EXHIBIT #2.276 EMAIL FROM NICHOLAS MAVRAKIS TO BRIAN SALTER REGARDING LIABILITY UNDER THE CORPORATIONS AND ASIC ACTS (AMP.6000.0062.8472) DATED 15/10/2017 P-1935
All Were you aware that there were decisions that needed to be made – I shouldn’t say “needed” – there were decisions that were made to attempt to manage that risk for the Bankwest portfolio by setting caps on the amount of commercial property exposure?I wasn’t, no. No. Okay?I am aware today of the concept of caps and targets we have in CBA on industries, but not – not then. Okay. Are you aware now that in 2009 Bankwest started to introduce, internally, caps on the extent of its exposure to commercial property?I’m aware now, yes. Not then. Sorry?Not then. No, no, I understand. But, you’re now coming now to look back at a file from 2010?Yes. It’s important that we be able to put this in some sort of context which is, as you understand it as at 2009, first Bankwest had a significant exposure to commercial property. You agree with that?Yes. Second, it was regarded as an overexposure to commercial property?Yes. Third, that in order to manage that overexposure there were caps that were in place on the lending in commercial property?As a result of the review of this file, I understand that, yes. All right. And then that has a ramification to the approach that’s taken to the management of the book; you agree with that?Yes. MR SCERRI: What does that mean? The witness says he hasn’t seen THE COMMISSIONER: If the witness doesn’t know, he will no doubt tell me, Mr Scerri. MR SCERRI: Well – but the question doesn’t make sense, your Honour, with the greatest respect. THE COMMISSIONER: Yes. Well, Mr Hodge, do you want to rephrase the question? MR HODGE: No, that’s fine. I don’t want to rephrase the question. Can I take you, then, to paragraph 59 of your statement, Mr Perry. Could we bring up paragraph 59 of Mr Perry’s statement. What you say in paragraph 59 is that you’re not aware of any Bankwest records that indicate that there was any general policy to withdraw from funding property dealing for existing customers before the
which could include the possible sale of your farming property. I’ve attached a copy of the Queensland Farm Finance Strategy. It’s a voluntary scheme that NAB participates in. You will see that under the scheme the bank has agreed to offer formal mediation to customers when the bank is considering taking action under its mortgages to sell farming property. As the bank is now considering taking action under its mortgages to sell farming property, I have enclosed – And he has enclosed a notice of their intention to take enforcement action against you, against the property, and the forms for you to respond to the bank?Yes. Respond to the bank. And then they suggest that you get some assistance from various people, including financial counsellors, Aid, or a private solicitor or accountant?Yes. All right. Do you remember getting this letter?Yes. And what did you think when you got it?We were very frightened, yes. Did you – had you anticipated something like this was going to happen?No. Okay. But you did know that you were behind in your payments?Yes. And you were having some trouble with your cattle because of the weather?Yes. Is that ?Yes. at this time?Yes. Before you got this letter, had you thought about putting one or both of the properties up for sale?No, no. They wouldn’t have been in a condition to sell. Because of the drought?Yes. So in that letter the bank proposed farm debt mediation. Had you been to a farm debt mediation before?No. Did you know some people who had been?No. Okay. Did you know what it was?Not particularly, no. And did you speak to the rural financial counsellor as the bank had suggested?Yes. It also says you can get advice from Legal Aid. Did you end up getting some advice from Legal Aid?Yes. And did you speak with Legal Aid directly or did your financial counsellor arrange that for you?He arranged that for us, yes.
EXHIBIT #3.108 EMAIL BETWEEN BANKWEST MEDWAY AND STANFORD AND OTHERS DATED 27/06/2014 (CBA.0517.0118.0001) P-2720 EXHIBIT #3.109 EMAILS BETWEEN BANKWEST, MEDWAY AND OTHERS DATED 02/07/2014 (RCD.0024.0015.0005) P-2721 EXHIBIT #3.110 SUMMONS TO MR P-2723 EXHIBIT #3.111 STATEMENT OF MR COHEN WITH RESPECT TO QUESTIONS 8 TO 34 OF RUBRIB 3-13 DATED 17/05/2018 P-2724 EXHIBIT #3.112 STATMENT OF MR COHEN IN RELATION TO QUESTIONS 23, 29 AND 30 OF RUBRIC 3-13 AND EXHIBITS DATED 17/05/2018 P-2724 EXHIBIT #3.113 SUBMISSION TO RISK COMMITTEE DATED 25/03/2009 (CBA.0002.2076.7461) P-2729 EXHIBIT #3.115 BANKWEST BUSINESS PORTFOLIO REVIEW 07/04/2009 (CBA.0002.2077.2173) P-2732 EXHIBIT #3.116 MEMORANDUM TO EXECUTIVE RISK COMMITTEE 11/09/2009 (CBA.0002.2081.8557) P-2733 EXHIBIT #3.117 PRESENTATION MARCH 2010 WATCH LIST TROUBLESOME AND IMPAIRED ACCOUNT UPDATE (CBA.0002.1564.1939) P-2737 EXHIBIT #3.118 EMAIL FROM SUTTON TO BLAIR DATED 17 MARCH 2010 (CBA.0002.1564.4782) AND ATTACHMENT PROPERTY FINANCE UNIT NATIONAL SURVEY CREDIT REVIEW (CBA.0002.1564.4874) P-2739 EXHIBIT #3.119 EMAIL DATED 17 MAY 2010 TO PIKE AND OTHERS, (CBA.0002.1533.1252) AND ATTACHED PRESENTATION CONCERNING PROJECT MAGELLAN (CBA.0002.1533.1265) P-2740
MR McMILLAN: Mr Jones, you have prepared two statements in relation to the requests by the Commission. I will deal with them separately. First of all, you dealt – you prepared a statement dated 13 June 2018 in response to the Commission’s Rubric 4-02 and produced some 45 exhibits to that statement?Correct. You have that – a copy of that statement with you?I do. Now, I understand that are some amendments you need to make to that statement. First of all at paragraph 2.3, subparagraph (e)?Correct. And I understand that the amendment that you wish to make in the – on the second last line of that paragraph is to delete the acronym “ACBF” and replace it with the “Crown Insurance Limited”?That’s correct. Is that correct? Can you make that amendment or – if you haven’t already, and initial the amendment, please. And the second – have you done that? Thank you. And the second amendment that you – I understand you wish to make is to paragraph 23.1 subparagraph (f) on page 23?Correct. And in subparagraph (ii) of subparagraph (f), I understand you wish to delete the words “Supreme Court” and replace them with the words “Full Federal Court”?That’s correct. Would you make that amendment and initial it, please? Now, noting those amendments, are the contents of your statement true and correct to the best of your knowledge and belief?They are. I tender the statement and the bundle of exhibits, Commissioner. THE COMMISSIONER: Statement and exhibits of Mr Jones, 13 June ’18, exhibit 4.146. EXHIBIT #4.146 STATEMENT AND EXHIBITS OF MR DATED 13/06/2018 MR McMILLAN: You have produced a second statement for the Commission dated 11 June 2018 in response to the Commission’s Rubric 4-10?I have. And there are seven exhibits to that statement?There are. And I understand that you also need to make an amendment to this statement at paragraph 7.1?I do. Now, as I understand it, the amendment you wish to make is in the second sentence beginning on the third line – beginning with “in the event of suicide” and it is to
EXHIBIT #4.149 ACBF WEBSITE SCREENSHOT (RCD.0006.0007.0005) P-3805 EXHIBIT #4.150 ACBF MEDIA RELEASE DATED 27/07/2018 (ABCF.0008.0001.0204) P-3807 EXHIBIT #4.151 ASIC ANALYSIS FUNERAL INSURANCE SECTOR AS AT 30 JUNE 2013 (ASIC.0025.0003.1757) P-3811
dementia. She was tested and since the two tests from 2015 to 2018 there have been a 25 per cent drop in cognitive function. She struggled, really hard. No further questions – I will just ask one further question. And you’ve now got the increase in the facility, is that correct, Mr Dillon?After Tara said no, and I sort of went off my tree a little bit about coming to the Commission and what not, she did ask, “Is there anything I can help with the Commission?” She went away, I wasn’t aware, but Lou told me later that she had actually been working behind the scenes to see what she could achieve and she was able to achieve 50 per cent of what we had asked for as an increase. So there was some result. Has had a change or impact on the business, can you tell if that’s made a difference?Absolutely. We now have stock on order. Obviously, we have done all our Christmas orders already, and we now have enough stock in the pipeline that we can actually achieve a 5 million plus year in the following financial year. We will probably still register a small loss this year, nothing like last year, fortunately. But we’re anticipating returning to the black next year. Thank you, Mr Dillon. THE COMMISSIONER: Thank you. Yes, Ms Harris. <CROSS-EXAMINATION BY MS HARRIS [3.57 pm] MS HARRIS: My name is Wendy Harris and I need to ask you some questions on behalf of National Australia Bank?That’s fine. Mr Dillon, in paragraph 6 of the witness statement that you prepared ahead of today and also again in your evidence today, you say – you said that you put Goanna Downs on the market in 2011?That’s correct. And that was part of a plan to move to Melbourne to be near your son and his wife and anticipated grandchildren?Correct. You haven’t mentioned it in your evidence, but do you recall that you had in fact put the property on the market a year earlier in 2010 as a part of a strategy to reduce debt?No, I don’t recall that. In paragraph 5 of your statement, Mr Dillon, and you touched on it in your evidence today, you mentioned that National Music recorded a loss in 2010?That’s correct. And that in 2010 your relationship banker was Kevin Matthews?Correct.
And ASIC sought copies of some of those contracts; is that correct?They did. They asked on the 7th, yes. Now you exhibit one of the requests to your statement. That’s exhibit 13, Mr Kluss. That’s SUN.1101.0002.0766?Sorry, what was the number again? Now, there’s an email at the front?Yes. Which is from an ASIC representative then there’s a letter attached to that email, Mr Kluss and that is SUN.1101.0002.0766. Do you see that?I’ve got that. Thank you. I will just call that doc ID again. It’s SUN.1101.0002.0766. Sorry. If it can’t be brought up, Mr Kluss, I will take you through it?Yes, okay. Now, that’s a letter dated 7 September 2016?Yes. You can see that?Yes. And there’s a paragraph there, thank you, in the middle where it says: ASIC has been working with industry and businesses and has released guidelines to help them understand the new protections and how they may be impacted by them. ASIC has conveyed its expectations to industry that industry start reviewing standard form contracts before the commencement date. And then there’s a list of some of the terms that ASIC has concerned about. You can see that there?Yes. Down the bottom of the letter – sorry, I should have said this: To this end, we request that you provide us with a copy of your standard form lending agreement. And you exhibit the response that was made to that request on 14 September 2016. That’s exhibit 14, and that is SUN.1101.0002.0558, 19 October?Yes. Got that. 14 September ?Yes. sorry, where Mr Turner says from Suncorp to the ASIC representative: Please find attached. ?That’s right. Yes. And then ASIC then wrote back to Suncorp on the 19th, seeking further information. There’s a letter attached to that exhibit, Mr Kluss, and that’s dated 19 October. Can you see that, SUN.101.0002.0561?Yes, I can see that.
All right. Is it a matter that you’ve now been told after you left the board ?I didn’t – no, I didn’t know that NAB was considered to be an outlier. I tender that document, Commissioner. THE COMMISSIONER: Briefing planner for meeting of 26 ’18 between Thorburn and Shipton, NAB.005.896.0001, exhibit 5.78. EXHIBIT #5.78 BRIEFING PLANNER FOR MEETING OF 26/05/2018 BETWEEN THORBURN AND SHIPTON, NAB.005.896.0001 MR HODGE: Can we bring up ASIC.0039.0001.1797. So this is a letter from ASIC to NAB following up on a section 33 notice dated 27 April 2018?Yes. Now, this is a document that you saw in the course of preparing to give evidence?I think it’s attached to my witness statement. You’ve exhibited it?Yes. And it notes – and this is what I want to direct your attention to – that in paragraph 1: We have attached a schedule with the current list of 110 breach reports from licensees within the NAB Group lodged to ASIC between 2014 and 2017. It appears that all of these breach reports were lodged in excess of the maximum allowable 10 business days to report a significant breach to ASIC upon awareness. ?Yes. And I don’t need to tender that document, Commissioner. That’s already in evidence through Ms Smith. And then can we bring up ASIC.0039.0001.1776. And I think this document is also exhibited to your statement?Yes, this was the response that was provided by NAB in respect – for that letter. That’s right. This is NABs response. And we can see, about halfway down the page: Based on NABs data validation, there are 84 significant breaches which were reported to ASIC in excess of 10 business days (out of a total of 297 significant breaches reported to ASIC in the 2014-2017 calendar years). ?Yes. And NAB has done a recalculation, the effect of which seems to be, “We don’t agree with all of the 110 that you have identified, ASIC; there are some that you’ve
Payroll Data Section 2 continued…. Lump Sum Payment Yes No Lump Sum Amount: Enter New Rate: % of Change: New Cost Center: Position Data Section 3 Reason for Request: Position Number: New Title: New DSM Code: New PS Level (Pay Grade): New Department: New Cost Center: Reports To Name: Reports To Position Number: Is the Work Physical Address the same as the Work Mailing Address? Yes No If Yes only complete the Work Physical Address. Work Physical Address: Personnel Admin Code (Check Sort Code): Add Org Unit: Add Roles: Work Mailing Address: Enter Time Management System: Termination Data Section 4 JHED ID: Has the employee accepted a position with another Hopkins Employer? Yes – Select Employer and Complete Section 3 No – Complete Section 4 only For transfers to a different employer, select one of the following: Reason for Termination: Termination Effective Date: Reasons continued: Eligible for Rehire: Yes No Bonus Data Section 5 Bonus $ Reason for Request: Supplemental $ Reason for Request: Education Information Name of Institution Type of Degree Year Graduated Years in School(Degree Not Obtained Yet) Comments Section 6
Title: Hank Jongen explains how students claiming Youth Allowance or ABSTUDY can avoid delaying their payment start date. About the video Department of Human Services General Manager Hank Jongen shares advice on how students beginning tertiary study can make sure their Youth Allowance or ABSTUDY payments begin from the earliest possible date. [Start of transcript] Alex Doudy: Hi Hank, Thanks for sharing your advice for tertiary students with us, now the first thing we want to ask is how can students make sure when they claim for payments like Youth Allowance and ABSTUDY, that they get paid from the earliest possible date? Hank Jongen: Well in order to get paid from the earliest possible date, what students need to do is lodge their applications early; and look it’s important to understand that you don’t need to have settled on your final course. Once a student has made a decision to study over the next twelve months, they should lodge an application. They can then provide us with the final course details at a later stage. Alex Great. And is there anything that students need to be reminded about, things that they forget perhaps when they lodge a claim? Hank Jongen: Once you’ve lodged a claim, we’ll tell you what the next steps are – and usually that involves providing us with support documentation. That can either be documents to support your identity, if you’ve received income we’ll want confirmation of that, and in most instances we want details of parental income. In order to ensure that we can accurately assess your claim, it’s important you follow through with that information. Alex And Hank I understand the department also has some online services and even a mobile app that students can use, can you tell us those? Hank Jongen: Look, students really should go to the myGov website and open an account. Once you’ve done that, you can download the smartphone Express Plus app for Students. That means you can then engage with us in the palm of your hand. You can provide us with new information, update your information, and avoid the queues. In addition
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Second Year : Semester 3 (July – December 20--) here mention Passing Month/Year Course Course Name PP PR OR TW Max. 100 50 50 25 210241 Discrete Structures - - - 210242 Programming & problem solving - - - 210243 Digital Electronics and Logic Design - - - 210244 Data Structures and Algorithms - - - 207005 Humanities and Social science - - - 210246 Programming Laboratory - - 210247 Digital Electronics Laboratory - - 210248 Soft Skills - - - * Total Second Year : Semester 4 (January – June 20--) here mention Passing Month/Year Course Course Name PP PR OR TW Max. Marks 100 50 50 25 207003 Engineering Mathematics – III - - - 210249 Microprocessors and Interfacing Techniques - - - 210250 Data Structures - - - 210251 Computer Graphics - - - 210252 Computer Organization - - - 210253 Object Oriented Programming & Computer Graphics Laboratory - - * 210254 Microprocessors and interfacing Laboratory - - * 210255 Data Structures Laboratory - - * Total Grand Total : /1500 Result : Note : - PP : Theory exam., OR : Oral exam., PR : Practical exam., TW : Term-work (continuous assessment) - No grading under this head; * Total marks 50; ** Total marks 100; x Yet to Appear; @ Grace marks Third Year : Semester 5 (July – December 20--) here mention Passing Month/Year Course Course Name PP PR OR TW
Max. Marks 100 50 50 25 310241 Database Management Systems - - - 310242 Data Communications - - - 310243 Microprocessors and Microcontrollers - - - 310244 Digital Signal Processing - - - 310245 Theory of Computation - - - 310246 RDBMS and Visual Programming Laboratory - - * 310247 Signal Processing Laboratory - - 310248 Hardware Laboratory - - Total Third Year : Semester 6 (January – June 20--) here mention Passing Month/Year Course Course Name PP PR OR TW Max. Marks 100 50 50 25 310249 Principles of Programming Languages - - - 310250 Computer Networks - - - 310251 Finance and Management Information Systems - - - 310252 Systems Programming & Operating Systems - - - 310253 Software Engineering - - - 310254 Software Laboratory - - 310255 Computer Networks - - 310256 Software Development Tools Laboratory - - - * 310257 Seminar and Technical Communication - - - * Total Grand Total : /1500 Result : Note : - PP : Theory exam., OR : Oral exam., PR : Practical exam., TW : Term-work (continuous assessment) - No grading under this head; * Total marks 50; ** Total marks 100; x Yet to Appear; @ Grace marks Final Year : Semester 7 (July – December 20--) here mention Passing Month/Year Course Course Name PP PR OR TW Max. Marks 100 50 50 25 410441 Design & Analysis Algorithm 100 - - -
414452 Computer Lab Practice-II - - * * 414447 Project Work - - * ** Total Grand Total : /1500 Result : Note : - PP : Theory exam., OR : Oral exam., PR : Practical exam., TW : Term-work (continuous assessment) - No grading under this head; * Total marks 50; ** Total marks 100; x Yet to Appear; @ Grace marks Prof. (Dr.) L.K. Kshirsagar Principal MIT, Pune - 411 038