Showing posts with label australia and new zealand banking group. Show all posts
Showing posts with label australia and new zealand banking group. Show all posts

Friday, December 21, 2012

Bank Cheque Definition Australia

Employment Ending Checklist At Employment Termination
Need to know what to do when an employment termination occurs? No matter the reason, employers need to follow certain steps. Here's a sample employment termination checklist. ... Read Article

Bank Cheque Definition Australia Pictures

2 August 2000 PO Box 1516 Dear Mr Viney
Financial Services Reform Bill’s definition of small businesses, however, approving the deposit of the cheque into the third party’s bank account. If the above example were a common occurrence, Australia and New Zealand Banking Group. ... Access This Document

Money - Wikipedia, The Free Encyclopedia
Africa and Australia used shell money – often, the shells of the money cowry (Cypraea moneta L. or C. annulus L.). According to Herodotus, Demand deposit in cheque form. Commercial bank money is created through fractional-reserve banking, ... Read Article

Bank Cheque Definition Australia


5.8 Payment will be made by cash, or by cheque, or by bank cheque, or by credit card (plus a surcharge of up to two and one half percent (2.5%) of the Price), the Reserve Bank of Australia’s daily cash rate plus five percent (5%) and such interest shall compound weekly ... Fetch Doc

Images of Bank Cheque Definition Australia

Trust Accounts And Statutory Deposit Accounts
• National Australia Bank • St George Bank • Westpac Notifying the Board of trust account details This cheque can be deposited at any Westpac branch using the deposit book provided. Deposits can also be made via internet banking. ... Get Doc

Bank Cheque Definition Australia Images

IMPORTANT INFORMATION - ING DIRECT - High Interest Savings ...
We have updated the definition of “merchant” to the following: ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 | INGD OENF 08/12 Page 2 of 4 Making withdrawals by bank cheque (page 24) ... Return Doc

YouTube
Let me just tell you how ignorant you sound, to get the definition of the word i used this thing called GOOGLE and clicked on WIKIPEDIA and got the definition there, Sorry but your mom must have had her pussy to tight while birthing you because it seems you have brain damage =]. ... View Video

Pictures of Bank Cheque Definition Australia

LIV Paper July 07 Essentials In Banking Law And Practice EW
It might be thought easier to start with a definition of ‘bank’ but this is also a whether or not a bill of exchange qualified as a cheque depended until recently on whether it • Reserve Bank of Australia: monetary and banking policy and the ... Fetch Content

Bank Cheque Definition Australia Images

CODE OF BANKING PRACTICE - 404 - Page Not Found - Bank Of ...
15.2 Where we charge you for the provision of a bank cheque, an inter-bank transfer or like service, Australia, to be appointed by banks that adopt this Code; (ii) 1 person with relevant experience and knowledge as your representative, ... Return Doc

Are bank Deposits And bank-affiliated Managed Funds Close ...
In the spirit of its traditional market definition process that identifies “all sources and cheque and online transactions offered by 7 . belief that the major banks are “too big to fail” in that the Reserve Bank of Australia ... Get Document

Bank Cheque Definition Australia

Term Deposit Accounts Terms And Conditions
Information for the ME Bank Term Deposit Accounts. debit (see definition below); in debit means when any account you hold with us is overdrawn (e.g. if you withdraw or transfer an amount that is cheque payable to you, ... Read Here

Photos of Bank Cheque Definition Australia

The Oversight Of Payment Systems Of Thailand
By definition, a pay-ment scheme establishes the framework in Position of Interbank Provincial Cheque Clearing in Bangkok. Bank of Thailand. Reserve Bank of Australia. (2000). Annual Report. Payment Systems Board, Reserve Bank of ... Get Content Here

Bank Cheque Definition Australia Images

Corporate Banking - HSBC Bank - Credit Cards, Savings, Home ...
Definition in the Glossary of Terms at the end of this Guide. ® Registered Trade Mark of HSBC Bank Australia Limited C. Who we act for a bank cheque may not be paid by the bank that issues it. To clarify the position, ... View Doc

Bank Cheque Definition Australia Pictures

918 - Application For A Subclass 445 (temporary) Visa By A ...
Life in Australia – Australian values • satisfy the definition of dependent child in the Migration Regulations; • satisfy custody requirements if under 18; and by mail. If paying by bank cheque or money order please make payable ... View Document

Bank Cheque Definition Australia Images

Treasurer's Directions - Homepage - NSW Treasury
Such fresh remittance should be in the form of either cash or a bank cheque. 140.03 (1) All moneys so collected shall be lodged to the credit of the Treasurer's Unpaid Cheque Account. Australia Bank and the State Bank of New South Wales. ... Retrieve Content

YouTube - Broadcast Yourself.
Now I just have one secured bank debit Master card, I have never had a problem with purchases in the amount of several thousand dollars, never had a loss even though I lost the card once. So why did you get that card to start with? 91fatboy51 2 months ago Reply . visa and ... View Video

Pictures of Bank Cheque Definition Australia

ELECTRONIC BANKING LEGAL ISSUES
Legal definition of Electronic Banking and Electronic Funds Transfer (EFT) Australia. . S P E A K E R Bank Draft/Cheque No Telephone Fax Please photocopy for additional participants. REGISTRATION FORM ... Doc Viewer

Photos of Bank Cheque Definition Australia

National Financial Management Guide
Organisational Structure Non-profit Organisations Definition Purpose Management Meetings ATO Website Australia Wide Taxation and Banking Electronic Banking Bank Reconciliations Receipt Books Cheque Payments Process Cheque Requisitions Capital Expenditure ... Fetch Doc

Joint Guidance Notes GN 3 - Operation Of Trust Accounts
3.2 Even though Trade Dollars do not form part of the definition of Trust Money pursuant to APS 10 A Trust Bank Account Cheque should: (i) I/We further authorise CPA Australia (“CPA”)/The Institute of Chartered Accountants in Australia ... View Document

Photos of Bank Cheque Definition Australia

Employee Fraud
Paid into the fraudster’s bank account • creating bogus suppliers, with payment being made to Australia’s unfair dismissal laws require that at any meeting where termination of employment may be discussed, the employee: ... Access Full Source

Bank Reconciliation Manager - User Guide 55A V3
8.1. Configure Bank File Format - Sample Westpac (Australia) 15 8.2. Test Bank Reconciliation in Sample you are unsure please consult your bank institution. • Cheque number (highlighted red) to its appropriate Field Index Definition in the Sage Accpac – Bank Reconciliation ... Retrieve Full Source

Images of Bank Cheque Definition Australia

Deposit Products And Non Cash Payment Facilities
– a change in the official reserve Bank of Australia cash rate – an allowance for our business costs – the size and nature of your relationship with us bank Cheque issue/repurchase 15.00 stop payment/replacement 35.00 bill for Collection local issue 50.00 ... Doc Retrieval

Bank Cheque Definition Australia Photos

Law On Banking And Finance
Creditor. Thus, when Mr Yu issues a cheque, the bank is contractually bound to The rule for assessment of damages for libel is stated by Shorland J. in Baker v Australia and New Zealand Bank (and applied in Ng Cheng Kiat v fall under the definition of such company (as defined ... Retrieve Content

Photos of Bank Cheque Definition Australia

INFORMATION MEMORANDUM/DOMESTIC TCD - Commonwealth Bank ...
COMMONWEALTH BANK OF AUSTRALIA ACN 123 123 124 (Issuer) TRANSFERABLE CERTIFICATE OF DEPOSIT PROGRAMME COMMONWEALTH BANK OF AUSTRALIA Payments: Payments will be made to Depositors by cheque posted to the address notified by the Depositor to the Registrar. ... Visit Document

Wednesday, October 3, 2012

Cost Bank Cheque Commonwealth Bank

Photos of Cost Bank Cheque Commonwealth Bank

20121015 Zero Transaction Account V55
Banking, Bankwest Online Banking and Cheque Access. Bankwest will meet the cost of that fee at ATMs operated by Commonwealth Bank of Australia (CBA), Australia and New Zealand Banking Group (ANZ), National Australia ... Retrieve Here

Cost Bank Cheque Commonwealth Bank

Standard Fees And Charges For International Payment Products ...
Payment by bank cheque Up to $20.00 per cheque4 Cost of issuing duplicate statements $7.00 each occur at the Commonwealth Bank’s published International Money Transfer buy rate on the day the charge is made. Title: ... View This Document

Cost Bank Cheque Commonwealth Bank

990i - Charges - November 2012 - Department Of Immigration ...
• bank cheque or money order made payable to the cost of these examinations undertaken in Australia is approximately $430. refundable bond with the Commonwealth Bank of Australia.

Canadian War Museum - World War I










Canada's involvement in the First World War and its tragic consequences to the country.
Photographs, paintings and posters from the Canadian War Museum in Ottawa, Ontario.
Songs of the time from the Veterans Affairs Canada website - www.veterans.gc.ca.


Other visa subclasses may have an AoS as a discretionary ... Document Retrieval

Canada Online - About Canadian Government - Services News ...
It's been a busy month, but before Remembrance Day the Bank of Canada released the third in its Polymer series of bank notes. The official ceremony for the introduction of the new $20 bill was held at the Canadian War Museum, which was fitting as the bank note pays tribute to the Battle of Vimy ... Read Article

Cost Bank Cheque Commonwealth Bank Pictures

Commonwealth Bank Of Australia - APCA - Australian Payments ...
Commonwealth Bank of Australia ABN 48 123 123 124 Level 6 GPO Box 2719 Representation 201 Sussex Street Sydney Business Products and Development Sydney NSW cheque unit cost. Changes to cheque processing, where truncation of cheques and ... Retrieve Full Source

Photos of Cost Bank Cheque Commonwealth Bank

Bank Fees In Australia
Prices) a year for keeping a current (cheque) account.1 For much of Australia’s post-Second World War history, however, Commonwealth Bank Streamline Account, NAB National FlexiAccount, approach to measuring the cost to consumers of bank fees is to take a ... View Full Source

Cost Bank Cheque Commonwealth Bank Images

Important Notice To Commonwealth Bank Customers
Issued by Private Agencies $10.00 per Bank cheque Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. Common Banking Services Standard Fees and each cheque $10.00 plus cost of postage Cheques issued in Norfolk Island also attract ... Get Document

Cost Bank Cheque Commonwealth Bank

BPAY Frequently Asked Questions
How much does BPAY cost? How do I find out what my Biller Code is? Flexibility to pay from savings and cheque accounts and credit card accounts if permitted. Contact your Commonwealth Bank representative or call us on 1800 730 554 to ... Visit Document

Nigerian Scam - Wikipedia, The Free Encyclopedia
The spread of e-mail and email harvesting software significantly lowered the cost of sending scam letters by using the Internet. once the cashing bank is alerted that the cheque is fraudulent, Commonwealth games scandal; Coin rolling scams; Drop swindle; Embarrassing cheque; ... Read Article

Cost Bank Cheque Commonwealth Bank Images

Suncorp Bank Everyday Saver Account
Cost effective and convenient. Commonwealth Government health card or a repatriation card (issued by Veterans’ Affairs). or bank cheque as the owner of a Suncorp Bank cheque, you can ask us to provide you with a copy of it. ... Access Doc

Cost Bank Cheque Commonwealth Bank Images

Schedule Of Fees And Charges - Australian Online Stock ...
Commonwealth Bank of australia aBN 48 123 123 124 administered by its wholly owned subsidiary Commonwealth Cheque Deposits Cheque Deposit Fee When you deposit a cheque to your account. Cost of legal opinion Early repayment adjustment and administrative fee on ... Read Content

ChexSystems - Wikipedia, The Free Encyclopedia
In September 2000, Bank of America was the first financial institution to announce specific changes in its use of ChexSystems. Cheque fraud; Check kiting; ChexSystems; Non-sufficient funds; Overdraft; Shared Check Authorization Network; ... Read Article

Cost Bank Cheque Commonwealth Bank Images

Business Overdraft - Welcome To The Motor Traders ...
A convenient and cost-effective source of extra cash for your business You can link a Business Overdraft to your preferred Commonwealth Bank business cheque account. You can choose: • An interest-bearing Standard Business Cheque Account. ... Read Here

Photos of Cost Bank Cheque Commonwealth Bank

Premium Business Cheque Account
You can manage your cash without worrying about the cost. When your customers are slow to pay, there’s a merchant facility to a Commonwealth Bank business cheque account. Most merchant receipts are available for use on the next business day. ... Retrieve Document

Cost Bank Cheque Commonwealth Bank Photos

Bendigo Agribusiness Accounts
Cost of the direct debit to avoid dishonour fees. bank cheques are organised through the Commonwealth Bank of Australia (CBA). Bank cheque repurchase $30.00 Cheque book Bank Cheque Electronic access Internet Banking – View only ... Retrieve Doc

Cost Bank Cheque Commonwealth Bank Pictures

Your Guide To Banking At NAB - Wholesale Banking - Home
• the Privacy Act 1988 (Commonwealth) including bank cheque is dishonoured – we may only refuse to pay 14. 15 the bank cheque if the person presenting it for payment cost The cost of credit is made up of three components • interest ... Fetch Full Source

Online Bill Pay - How Online Bill Pay Works - How To Set Up ...
The bank will print and mail a check that will pull money from your account. To be safe, you should double check with the payees if they have specific instructions for receiving payments via online bill pay. ... Read Article

Cost Bank Cheque Commonwealth Bank Photos

Glossary Of Banking Services - Department Of Finance And ...
Commonwealth Bulk Direct Entry (CBDE) • bank cheque facility - where cheques are drawn from a bank insufficient funds in the payer’s bank account. This facility provides a cost efficient and convenient method of processing high volumes of ... Read Content

Occupy Sydney Saturday 20111015 - YouTube
Ralph Norris [CBA] makes 192 times more than one of his cheque processors." "Over the 10 years the median pay Bank; Commonwealth; National; Australia; GFC; The main thing in all of this is to request more transparency since we now have the internet for cost-effective ... View Video

Cost Bank Cheque Commonwealth Bank Photos

Banking The Next Level In Cost Transformation: Achieving High ...
Manages the combined cheque processing volumes of Commonwealth Bank, National Australia Bank and Westpac.

The History of World War II {1 of 2}










Only twenty years after the Great War--the War to End All Wars, the nations of Europe once more faced each other across the battlefield. Technology had moved on though, and this time there would be no stalemate. The Blitzkrieg tactics of the Nazis, the area bombing strategy of the Allies, and the territorial aspirations of an industrialized Japan meant that this was going to be Total War--as never seen before--and on a truly global scale.


Furthermore, the ATM network—more of . Indeed, as Commonwealth Bank targets cost-to-income ratio of 35 percent for its retail business, ... Read Full Source

Images of Cost Bank Cheque Commonwealth Bank

Your Guide To Banking Fees - Bankwest Home
Bank fees are charged to cover the cost of processing transactions and providing a wide range of convenient services. A bank draft is a cheque drawn on a foreign bank and may a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL / Australian credit licence 234945 ... Fetch Content

Cost Bank Cheque Commonwealth Bank Pictures

Reserve Bank Of Australia
Commonwealth Inscribed Stock Regulations Form 15 – Regulations 16 and 23 Transferor(s) Bank Cheque BSB: from Customer $ Personal Cheque Refund Due Amount received from Customer: Total cost of bond purchase: Refund Due: P/Chq Sus A/C CR MA Applied Refund Method & Details: Refund Issued ... Read Here

YouTube - Broadcast Yourself.
So what if it cost money - WELCOME TO THE BUSINESS WORLD IDIOT, Howard and TEAM TWITS sat on a huge surplus which was only gotten by GST & Telstra sell-off, while health & infrastructure suffered for 10 years ... View Video

Banco De Oro Universal Bank - Wikipedia, The Free Encyclopedia
Significant revenue and cost synergies should arise from the integration of the two banks, due to complete by mid-2008, Commonwealth; Santiago; Dagupan; Cabanatuan; Speciality Mall: The Podium; Stand-alone Shopping Centers: Classic Stand-alone Stores. Quiapo; Makati; Cubao; Delgado; ... Read Article

Tuesday, September 4, 2012

Bank Cheque Anz

Pictures of Bank Cheque Anz

20121015 Zero Transaction Account V55
Commonwealth Bank of Australia (CBA), Australia and New Zealand Banking Group (ANZ), National Australia ANZ, NAB or WBC. A cheque withdrawal is any withdrawal made using a personal cheque to withdraw funds from this account. ... Fetch Full Source

Bank Cheque Anz Images

ANZ Service Charges Effective 2 July 2012
Deposit a National Bank or ANZ cheque into their ANZ transactional or savings account Bank cheques – per cheque Issue/Replacement $5.00 Passbooks Replacement (damage or loss) $15.00 Inoperative account fee Fee $25.00 p.a. ... Read Content

Bank Cheque Anz Images

RESERVE BANK OF FIJI
Today ANZ Bank in Fiji has many points of representation - 16 branches, 2 Prime Banking Sites. bank to deposit cheque; • There is no uncertainty of any dishonoured cheques with the associated charges and loss of income; ... Fetch Content

Bank Cheque Anz

(New Zealand Dollar)
Þ V r þ §(Bank Cheque) } §0 þ § C R } Ñ ? ? V“KVB FX Limited” ? Bank Name : ANZ National Bank Limited Bank Address : 205 Queen Street, Auckland, NZ A/C Name : KVB FX Limited A/C Number : KVBFXL-USD00 ... Visit Document

Images of Bank Cheque Anz

How To Cash A Check - Banking And Loans At About.com - Best ...
The bank will add the funds to your account and you can use the money later. Only cash a check if you plan to spend the cash soon. The money is safer in the bank, and you won't be tempted to spend more than you need to. How and Where to Deposit Checks. ... Read Article

Bank Cheque Anz Photos

ANZ Share Purchase Plan Offer
ANZ Share Purchase Plan Offer Australia and New Zealand Banking Group Limited ABN 11 005 357 522 SPP Offer key dateS a cheque, bank draft or money order) or making a BPAY payment: – you certify that the aggregate of the application price paid by ... Document Retrieval

How To Fill Out A Deposit Slip - Banking And Loans At About ...
When you add money to your bank account you have to fill out a deposit slip. This tells the bank what to do with the funds, and helps create a paper trail for the transaction. Learn how to fill out a deposit slip so you can sail through the teller line and get everything done correctly. ... Read Article

Vegeta Gets A Checking Account - YouTube
1:03 Watch Later Error ANZ - "Transparency" by ICONiQtv 33,864 views; 0:42 Watch Later Error IndusInd Bank Check-On-Cheque Ad film by IndusIndBank 4,766 views; 3:02 Watch Later Error TFBTV Rewards Checking by Texasfirstbank 245 views; ... View Video

Pictures of Bank Cheque Anz

How To Fill In THe bank Deposit Slip
Bank/Branch (not required for ANZ accounts) Date Branch BSS no/Acc no For CREDIT of (account name) Signature Notes (If a cheque deposit - the account name must be the same as the payee) Agent Deposit Reference Coins Phone no. Nominate the account type you wish to credit (please tick) ... View Full Source

Bank Cheque Anz Pictures

Before You Purchase Your ANZ Travel Card
Before you purchase your ANZ Travel Card 1. What is it? 2. How do I use it? 3. You can reload your ANZ Travel Card online or over the phone while overseas via BPAY® (from a transaction, savings or cheque account) contact your bank or financial institution to make a BPAY ... Read Document

Kiwibank - Wikipedia, The Free Encyclopedia
The bank was initiated as part of Jim Anderton's Alliance Party policy during the 1999—2002 term of the Labour-led coalition government. (ANZ/National Bank (then ANZ National Bank), ASB, Westpac, cheque accounts, credit cards, investments, ... Read Article

EFTPOS - Wikipedia, The Free Encyclopedia
These historically denoted cheque, savings and credit account, but no longer need be linked to those specific account types. In addition, credit card The second is operated by EFTPOS NZ which is fully owned by ANZ Bank New Zealand. ... Read Article

Images of Bank Cheque Anz


If a Bank Cheque is lost or stolen, ANZ will, on certain conditions, provide a replacement cheque for a fee. 2.4 Special clearance of funds You can arrange for a cheque to be cleared in less than the usual time by requesting a ‘special clearance’. ... Access Full Source

Bank Cheque Anz Pictures

PC-EFTPOS Quick Reference Guide
Bank Generated Response Codes (Savings and Cheque accounts), Credit Cards (Bankcard, Visa and MasterCard) and Charge Cards (American Express, Diners Before an ANZ terminal can be used you must perform a TMS and remote initialisation. ... Read Full Source

How To Close Your Checking Account - How Do I Close My Bank ...
If you are moving, or just looking for a new bank, it may be time to close your accounts. This is a simple process, but it is important that you follow each step exactly. ... Read Article

Photos of Bank Cheque Anz

I2 Analyst's Notebook 8 - Simon HANNES - The $2 Million ...
Bank Cheque Transaction Date: 9/09/1996 ANZ Bank Leichhardt Mark Booth $9000 9th September 1996 PurchaseBank Cheque with Cash $9,000.00 Bank Cheque Transaction Date: 9/09/1996 CBA Camperdown Mark Booth $9000 9th September 1996 Purchase Bank Cheque withCash ... Retrieve Full Source

Bank Cheque Anz

Cheques Made Payable To DS Numbers Pty. Ltd. Mail Together ...
Cheque Mastercard Visa Credit Card # Signature Method of Payment Exp. date EFT Bank: ANZ, Account Name: DS Numbers Pty Ltd BSB 014 215 A/C # 493336222 Email order form and direct deposit receipt to customercare@dsnumbers.com.au ... View Full Source

Bank Cheque Anz Pictures

Important Notice To ANZ Business Banking Customers.
Deposits, bank fees and government charges are not counted towards the free transaction limit. 3 Excess Transactions a collection basis (ANZ forwards the cheque for payment to be made by the drawer’s bank when sufficient funds are available). ... Fetch Here

Bank Cheque Anz Pictures

Your Guide To Banking Fees - Bankwest Home
If the original Bank cheque is not returned an indemnity is required. Indemnity Stamp Duty $5.00 Bank Drafts A bank draft is a cheque drawn on a foreign bank and may be useful for making payments or sending money overseas. ... Doc Retrieval

Pictures of Bank Cheque Anz

ADO Overview Of Balance Transaction Reporting Changes October ...
Counter cheque 03 office entry 04 analysis code chq digt 06 analysis code non-chq 07 modulus 10 cheque w/# 08 anz national bank limited credit codes transaction fee rev 80 telephone transfer 83 office entry 54 modulus 9 cheque ... Read Here

Images of Bank Cheque Anz

2 August 2000 PO Box 1516 Dear Mr Viney
Cheque, approving the deposit of the cheque into the third party’s bank account. If the above example were a common occurrence, where the cheque. ANZ currently charges $15 for a stop payment on a cheque, direct debit or periodical payment and ... Read Here

Photos of Bank Cheque Anz

A.B.N. 92 077 828 230 USANA Customer Service Online Ordering ...
*All prices quoted are GST inclusive and are subject to change. **Personal cheques will not be accepted on first, initial orders. †Bank Cheque/M.O. not accepted for Autoship. ... Read More

Images of Bank Cheque Anz

Important Notice To Commonwealth Bank Customers
Fee, bank cheque fee, and postage as applicable QuickCash Banking QuickCash Envelopes $45.00 per 25 Safe Custody Items Standard envelope supplied by the Bank Commonwealth Bank account holder $27.50 p.a.* per lodgement ... Read More

Banking Fraud Report Shocker - YouTube
Cheque; nairobi; East Africa; Standard; Kenya; News; Breaking News; features; politics; sex; money; business; Mortgage Fraud- BB&T Bank, Predatory Lending, 0:46 Watch Later Error ANZ Fraud Squad Ball Ad by ANZFraudSquad 6,121 views; ... View Video

Bank Cheque Anz Photos

120904 Making It Easier To bank With ANZ - Final
Traditionally done in branches such as providing instant value for cash or cheque deposits. “The upgrade also means that we will be more readily able to introduce cutting edge 120904 Making it easier to bank with ANZ - Final Author: ... Read Document

TFBTV Rewards Checking - YouTube
0:42 Watch Later Error IndusInd Bank Check-On-Cheque Ad film by IndusIndBank 4,766 views; 0:46 Watch Later Error ANZ Rewards Visa Credit Card featuring Barbara ANZ TV Commercial by creditcardfinderau 7,440 views; ... View Video

Pictures of Bank Cheque Anz

Important Changes For ANZ Customers
Important changes for ANZ customers ANZ National Bank Limited. ANZ Technology Change – date confirmation Stop Cheque fee $20 per stopped cheque. $15 per stopped cheque. Interest rate changes for overdraft, flexible facilities and unarranged overdrafts ... Access Document