Certificate of Dissolution

Notice Is Hereby Given that a certificate of dissolution under the Business Corporations Act, has been endorsed. The effective date of dissolution precedes the corporation listings.

Date

Name of Corporation

Ontario Corporation Number

2011-05-16

Custom Concept Engineering Inc.

000603394

2011-05-16

Custom Concept Solutions Inc.

002013802

2011-05-16

Frankhall Corporation Ltd.

001509421

2011-05-16

International Village (Wasaga) Inc.

000668291

2011-05-16

Kick’n It Freestyle! Inc.

001672766

2011-05-16

Maccen Holdings Ltd.

002002800

2011-05-16

Nicmac Holdings Ltd.

002002799

2011-05-16

Ragnelg Holdings Limited

000842104

2011-05-16

Ssfi Incorporated

002107837

2011-05-16

Toro Fence Co. Ltd.

000544608

2011-05-16

1326068 Ontario Ltd.

001326068

2011-05-16

1527154 Ontario Limited

001527154

2011-05-16

1726409 Ontario Inc.

001726409

2011-05-16

2124450 Ontario Ltd.

002124450

2011-05-16

471302 Ontario Limited

000471302

2011-05-16

868870 Ontario Ltd.

000868870

2011-05-17

1687674 Ontario Inc.

001687674

2011-05-18

A. Mike Brubacher Limited

000135995

2011-05-18

Alexander Muir Residence Limited

001266510

2011-05-18

Bajwa Developers Canada Ltd.

002075230

2011-05-18

Gerry B. Enterprises Inc.

000905033

2011-05-18

Grayling Enterprises Inc.

001323885

2011-05-18

Hamilton Offset Service Limited

000383951

2011-05-18

Jr Dollar Store & More Inc.

002131972

2011-05-18

Pinter Trucking Inc.

001246779

2011-05-18

Ted Padley & Associates, Inc.

002166894

2011-05-18

Tender Loving Care Cafe Inc.

001651961

2011-05-18

Trillium Equine Trailering Inc.

002064716

2011-05-18

1022518 Ontario Inc.

001022518

2011-05-18

1414051 Ontario Inc.

001414051

2011-05-18

1433984 Ontario Ltd.

001433984

2011-05-18

1470399 Ontario Inc.

001470399

2011-05-18

1501448 Ontario Inc.

001501448

2011-05-18

1784069 Ontario Ltd.

001784069

2011-05-18

2004181 Ontario Inc.

002004181

2011-05-18

2115198 Ontario Inc.

002115198

2011-05-18

2127121 Ontario Inc.

002127121

2011-05-18

2246642 Ontario Inc.

002246642

2011-05-18

698685 Ontario Inc.

000698685

2011-05-19

Penvue Farms Ltd.

000675216

2011-05-30

Canturc Corp.

001757752

2011-05-31

The Dollar Post Ltd.

001539373

2011-05-31

Zagrodney Engineering Limited

000347752

2011-05-31

2184009 Ontario Limited

002184009

2011-06-01

Bld Financial Incorporated

001658065

2011-06-01

M. J. Smolkin Limited

001803706

2011-06-01

Polyprime Properties Limited

000848280

2011-06-01

Romolin Investments Ltd.

001357081

2011-06-01

1025129 Ontario Inc.

001025129

2011-06-02

Graham Planning Group Inc.

001595118

2011-06-02

Heatim Capital Corporation

000529902

2011-06-02

Mcintyre Employment Agency Inc.

000914911

2011-06-02

Neighbour’s Enterprise Inc.

001730310

2011-06-02

Noctorum Holdings Inc.

000651988

2011-06-02

Prochem Inc.

002016373

2011-06-02

Ws Excavations Inc.

001581612

2011-06-02

1058636 Ontario Ltd.

001058636

2011-06-02

1561643 Ontario Inc.

001561643

2011-06-02

1589852 Ontario Inc.

001589852

2011-06-02

1639917 Ontario Limited

001639917

2011-06-02

1685743 Ontario Inc.

001685743

2011-06-03

Artel Graphics Inc.

000440832

2011-06-03

Di Cresce & Associates Inc.

000679096

2011-06-03

Hd Media Corp.

002086740

2011-06-03

Lovic Developments Ltd.

000281380

2011-06-03

Memonco Holdings Ltd.

001262171

2011-06-03

T.I.P.S. Accounting & Financial Inc.

001801221

2011-06-03

The Joy Of Learning Montessori School Inc.

001586582

2011-06-03

Top Network & Security Inc.

002169568

2011-06-03

1413777 Ontario Inc.

001413777

2011-06-03

1503940 Ontario Inc.

001503940

2011-06-03

1626118 Ontario Inc.

001626118

2011-06-03

1663743 Ontario Limited

001663743

2011-06-03

1802669 Ontario Inc.

001802669

2011-06-03

2021825 Ontario Inc.

002021825

2011-06-03

978532 Ontario Ltd.

000978532

2011-06-06

Brisbois Pharmacy Limited

000355455

2011-06-06

L. A. And B. Investments Limited

000207219

2011-06-06

Labcad Contracting Group Inc.

002161098

2011-06-06

Rockmeyer Innovations Inc.

002022418

2011-06-06

Rumpel Holdings Limited

000018244

2011-06-06

Wallar’s Ladies Wear Limited

000137634

2011-06-06

1295065 Ontario Inc.

001295065

2011-06-06

2042894 Ontario Inc.

002042894

2011-06-06

2108810 Ontario Corporation

002108810

2011-06-07

Alva Thompson & Sons Limited

000070810

2011-06-07

Frank Watts Sod Ltd.

000106446

2011-06-07

Front/York (G.P.) Limited

002036821

2011-06-07

Hei Long Enterprise Inc.

002139706

2011-06-07

Imagimate Solutions Inc.

002172563

2011-06-07

Insignia Global Inc.

001646027

2011-06-07

Westech Informatics Limited

001680251

2011-06-07

151 Front Street West Holdings Limited

002036820

2011-06-07

1832752 Ontario Inc.

001832752

2011-06-07

1832753 Ontario Inc.

001832753

2011-06-07

2127730 Ontario Inc.

002127730

2011-06-08

Hejjam Investments Ltd.

000279329

2011-06-08

1041307 Ontario Ltd.

001041307

2011-06-08

953239 Ontario Inc.

000953239

2011-06-09

Woodbine Place Iii Inc.

001228046

Katherine M. Murray
Director, Ministry of Government Services
(144-G307)

Cancellation of Certificate of Incorporation (Business Corporations Act)

Notice Is Hereby Given that by orders under subsection 241(4) of the Business Corporation Act, the certificates of incorporation set out hereunder have been cancelled and corporation(s) have been dissolved. The effective date of cancellation precedes the corporation listing.

Date

Name of Corporation

Ontario Corporation Number

2011-06-13

The Personnel Network Inc.

1247176

Katherine M. Murray
Director
(144-G308)

Cancellation for Filing Default (Corporations Act)

Notice Is Hereby Given that orders under Section 317(9) of the Corporations Act have been made cancelling the Letters Patent of the following corporations and declaring them to be dissolved. The date of the order of dissolution precedes the name of the corporation.

Date

Name of Corporation

Ontario Corporation Number

2011-06-13

St. Catharines Ringette Association

682584

Katherine M. Murray
Director
(144-G309)

Notice of Default in Complying with the Corporations Information Act

Notice Is Hereby Given under subsection 241(3) of the Business Corporations Act that unless the corporations listed hereunder comply with the filing requirements under the Corporations Information Act within 90 days of this notice orders dissolving the corporation(s) will be issued. The effective date precedes the corporation listings.

Date

Name of Corporation

Ontario Corporation Number

2011-06-13

Vienna Sandwiches Inc.

1711997

2011-06-13

1712913 Ontario Limited

1712913

Katherine M. Murray
Director, Ministry of Government Services
(144-G310)

Notice of Default in Complying with a Filing Requirement under the Corporations Information Act

Notice Is Hereby Given under subsection 317(9) of the Corporations Act, that unless the corporations listed hereunder comply with the requirements of the Corporations Information Act within 90 days of this Notice, orders will be made dissolving the defaulting corporations. The effective date precedes the corporation listings.

Date

Name of Corporation

Ontario Corporation Number

2011-06-13

The Fellowship Christian Centre (Peterborough County) Inc.

334104

Katherine M. Murray
Director
(144-G311)

Erratum Notice

Ontario Corporation Number 643906

Vide Ontario Gazette, Vol. 144-13 dated March 26, 2011 Notice Is Hereby Given that the notice issued under section 241(4) of the Business Corporations Act set out in the March 26, 2011 issue of the Ontario Gazette with respect to DJA Enterprises Ltd., was issued in error and is null and void.

Katherine M. Murray
Director
(144-G312)

Marriage Act

Certificate Of Permanent Registration as a person authorized to solemnize marriage in Ontario have been issued to the following:

June 6 - June 10

Name

Location

Effective Date

Perry, Timothy Scott

Sudbury, ON

09-Jun-11

Wilson-Garrett, Roberta

Blind River, ON

09-Jun-11

Schust, Edward D

Barrie, ON

09-Jun-11

Brown, David Patrick

Kingston, ON

09-Jun-11

Andrews, Evelyn

Peterborough, ON

09-Jun-11

Fernando, Faustin P

Mississauga, ON

09-Jun-11

Gazaneo, Andrew D

Toronto, ON

09-Jun-11

Hartwick, Richard

Strathroy, ON

09-Jun-11

Long, Sandra L

Mississauga, ON

09-Jun-11

Vafaie, Melanie

Brampton, ON

09-Jun-11

Elgby, Jonathan

Ear Falls, ON

09-Jun-11

Ung, Peter Hoi Ian

Thornhill, ON

09-Jun-11

Crawford, Steven E W

Oshawa, ON

09-Jun-11

Stockley, Anne Marie E

Milton, ON

09-Jun-11

Jantzi, Ryan

Clinton, ON

09-Jun-11

Gritzke, Richard

Buffalo, NY

09-Jun-11

Re-registrations

Name

Location

Effective Date

Edwards, Jeffrey T

Val Caron, ON

09-Jun-11

Certificates Of Temporary Registration as person authorized to solemnize marriage in Ontario have been issued to the following:

Date

Name

Location

Effective Date

June 9, 2011 to June 13, 2011

Bomhof, Gerrit Johannes

Red Deer, AB

07-Jun-11

June 30, 2011 to July 4, 2011

Corcuera, Roseller

Markham, ON

07-Jun-11

July 1, 2011 to July 5, 2011

Mikelberg, Daniel Jonathan

Vancouver, BC

07-Jun-11

July 7, 2011 to July 11, 2011

Lambert, George Victor

Prescott, ON

07-Jun-11

July 9, 2011 to July 13, 2011

Nelson, Kenneth Michael

Surrey, BC

07-Jun-11

July 28, 2011 to August 1, 2011

Hill, Douglas K

Orlando, FL

07-Jun-11

August 4, 2011 to August 8, 2011

Cardoso, Victor

Montreal, QC

07-Jun-11

September 22, 2011 to September 26, 2011

Guther, Daniel H

Manotick, ON

07-Jun-11

September 22, 2011 to September 26, 2011

Ryan, Thomas

Washington, DC

07-Jun-11

September 29, 2011 to October 3, 2011

Towsley, Peter J

Bridgeport, CT

07-Jun-11

Judith M. Hartman
Deputy Registrar General
(144-G313)

Change of Name Act

Notice Is Hereby Given that the following changes of name were granted during the period from June 6, 2011 to June 12, 2011 under the authority of the Change of Name Act, R.S.O 1990, c.c.7 and the following Regulation R.R.O 1990, Reg 68. The listing below shows the previous name followed by the new name.

Date

Previous Name

New Name

June 6, 2011 to June 12, 2011

Abbas-Tehrani, Morteza.

Abba, Morteza.

June 6, 2011 to June 12, 2011

Abdalah, Faraj.Ali.

Al-Salhi, Yousef.Ali.

June 6, 2011 to June 12, 2011

Abdullahu, Fadil.

Basha, Albert.

June 6, 2011 to June 12, 2011

Adam, Fadi.

Youkhana, Fadi.

June 6, 2011 to June 12, 2011

Aditya, Aditya.

Chauhan, Aditya..

June 6, 2011 to June 12, 2011

Adnan, Ahmed.

Ahmed, Adnan.

June 6, 2011 to June 12, 2011

Ahmed, Ashraf.Abdel.Ra.

Ahmed, Ashraf.Abdel.Raouf.Mahmoud.

June 6, 2011 to June 12, 2011

Akinlana, Ayodele.Taiwo.

Marshall, Dele.Taiwo.

June 6, 2011 to June 12, 2011

Alghadban, Nora.Mithaq.

Badaa, Nora.Sadea.

June 6, 2011 to June 12, 2011

Altunyuva, Ayten.

Kuru, Ayten.

June 6, 2011 to June 12, 2011

Ambersley, Laureen.Joy.

Ambersley, Laurayn.Joy.

June 6, 2011 to June 12, 2011

Andrews, Miriam.Judith.

Andrews, Mia.Jenifer.

June 6, 2011 to June 12, 2011

Areej, Areej.

Idrees, Areej.

June 6, 2011 to June 12, 2011

Auld, Grant.Allan.Thomas.

Thomas, Grant.Allan.

June 6, 2011 to June 12, 2011

Bahjat, Dunia.Saad.

Ghali, Dunia.Saad.Bahjat.

June 6, 2011 to June 12, 2011

Bahjat, Sally.Saad.

Ghali, Sally.Saad.Bahjat.

June 6, 2011 to June 12, 2011

Beauchesne, Deandra.Christina

Cormier, Deandra.Christina.

June 6, 2011 to June 12, 2011

Berkers-Eardley, Deanna.Lee.

Arksey, Deanna.Lee.

June 6, 2011 to June 12, 2011

Bhombal, Osama.Mushtaq.

Bhombal, Bilal.Mushtaq.

June 6, 2011 to June 12, 2011

Birenbaum, Anton.

Snegiroff, Anton.Scorp.

June 6, 2011 to June 12, 2011

Boisselle, Jennifer.Jacqueline.Lisa.

Boisselle, Michelle.Jennifer.Jacqueline.Lisa.

June 6, 2011 to June 12, 2011

Boniface, Brittany.Marlowe.

Brown, Brittany.Marlowe.June.

June 6, 2011 to June 12, 2011

Bonner, Daniel.Christopher.

Foss, Dan.Christopher.

June 6, 2011 to June 12, 2011

Boomer, Jessica.Carol-Ann.

Carneiro, Jessica.Carol-Ann.

June 6, 2011 to June 12, 2011

Boukari Abokou, Roucaiyatou.

Boukari, Roucaiyatou.

June 6, 2011 to June 12, 2011

Brake, Alexa.Marie.

Deligioridis, Alexa.Marie.

June 6, 2011 to June 12, 2011

Broderick, Megan.Ashley.

Hyde, Megan.Ashley.

June 6, 2011 to June 12, 2011

Brown, Sharla.Maxlene.

Gillies, Sharla.Maxlene.

June 6, 2011 to June 12, 2011

Bukirwa, Juliet.Kabanda.

Nsumba, Juliet.Kabanda.

June 6, 2011 to June 12, 2011

Burmistrov, Dmytro.Anatoliy.

Burmistrov, Dmitriy.Anatoliy.

June 6, 2011 to June 12, 2011

Butac, Marilou.Mata.

Kulin, Marilou.Mata.

June 6, 2011 to June 12, 2011

Butt, Tiffany.Maureen..

Johnson-Butt, Tiffany.Maureen.

June 6, 2011 to June 12, 2011

Byun, Dong.Gyoo.

Byun, Michael.Donggyoo.

June 6, 2011 to June 12, 2011

Cai, Li.Qing.

Choi, Becky..

June 6, 2011 to June 12, 2011

Cain, Michael.Ryan.Ivany.

Becker, Michael.Ryan.Ivany.

June 6, 2011 to June 12, 2011

Carkner, Logan.Xavier.Scot.

Anderson, Logan.Xavier-Scot.

June 6, 2011 to June 12, 2011

Carlucci, Mario-Frank.

Carlucci, Mario.Frank.

June 6, 2011 to June 12, 2011

Cecchini, Kayla..

Cecchini, Kayla.Cianfarani.

June 6, 2011 to June 12, 2011

Chandler, Tripta.Sood.

Sood, Tripta..

June 6, 2011 to June 12, 2011

Chaudhri, Anum.

Hashmi, Anum.

June 6, 2011 to June 12, 2011

Chen, Chu.Zhi.

Chen, Kenji.Chuzhi.

June 6, 2011 to June 12, 2011

Chen, Chuqi.

Chen, Calvin.Chuqi.

June 6, 2011 to June 12, 2011

Chen, Jie.Mei.

Chen, May.Jiemei.

June 6, 2011 to June 12, 2011

Chen, Xiao.Jun.

Chen, Leo.

June 6, 2011 to June 12, 2011

Cheng, Hiu.Yan.

Cheng, Chloe.Hiu.Yan.

June 6, 2011 to June 12, 2011

Choeden, Jampa.

Chamshug, Jampa.Choeden.

June 6, 2011 to June 12, 2011

Chubeta, Andru.Rubo.

Choubeta, Andrew.Beyan.

June 6, 2011 to June 12, 2011

Chukwudubem, Sean.

Ajufo, Sean.Chukwudubem.

June 6, 2011 to June 12, 2011

Cole, Brittany.Michelle.

Cray-Brown, Brittany.Michelle.

June 6, 2011 to June 12, 2011

Cole, Victoria.Margaret.

Cray-Brown, Victoria.Margaret.

June 6, 2011 to June 12, 2011

Colvin, Christian.Bev'Ronte.

Colvin-Graham, Christian.Bev'Ronte.

June 6, 2011 to June 12, 2011

Corbeil-Charpentier, Eric.Joseph.Guy.

Charpentier, Eric.Joseph.Guy.Corbeil.

June 6, 2011 to June 12, 2011

Craig, David.William.Edson.

Mccausland, David.William.Edson.

June 6, 2011 to June 12, 2011

Creasor, Ethan.James.Randolph.

Schrank, Ethan.James.Randolph.

June 6, 2011 to June 12, 2011

Curry Snyder, Marie.Catherine.

Snyder, Marie.Catherine.

June 6, 2011 to June 12, 2011

Dadole, Rhea.Kaye.

Salonga, Rhea.Kaye.

June 6, 2011 to June 12, 2011

De Vacas Cabezas, Francisco.E.

De Vacas, Francisco.Eduardo.

June 6, 2011 to June 12, 2011

De Vacas Cugliari, Francesco.Antonio.

De Vacas, Francesco.Antonio.

June 6, 2011 to June 12, 2011

Desai, Jigneshkumar.N.

Desai, Jigneshkumar.Navinchandra.

June 6, 2011 to June 12, 2011

Deschamp, Lee.

Deschamp, Crystal.Lee.

June 6, 2011 to June 12, 2011

Di Paulo, Silvia.

Di Paolo, Silvia.

June 6, 2011 to June 12, 2011

Docherty, Adrianna.June.Anne.

Brown, Adrianna.June.Anne.

June 6, 2011 to June 12, 2011

Docherty, Nicholas.Charles.James.

Brown, Nicholas.James.Charles.

June 6, 2011 to June 12, 2011

Dogariu, Viorica.Eugenia.

Cioc, Viorica.Eugenia.

June 6, 2011 to June 12, 2011

Dolbeck, Alexander.Michael.John.

Males, Alexander.Michael.John.

June 6, 2011 to June 12, 2011

Dolbeck, Gracie.Linda.Rose.

Males, Gracie.Linda.Rose.

June 6, 2011 to June 12, 2011

Dolgov, Pavel.Vadimovitch.

Dolgov, Paul.

June 6, 2011 to June 12, 2011

Dong, Ji.Min.

Mormile, Ji.Min.

June 6, 2011 to June 12, 2011

Dong, Ling.Yi.

Dong, Alan.Lingyi.

June 6, 2011 to June 12, 2011

Doucet, Courtney.Marie.

Mohyla, Courtney.Marie.

June 6, 2011 to June 12, 2011

Dow, Khadijah.Imoni.

Dow, Khadijah.Imani.

June 6, 2011 to June 12, 2011

Drynan, Nash..

Drynan, Nash.Robert.

June 6, 2011 to June 12, 2011

Duffenais, Roger.John.

Conrad, Roger.John.

June 6, 2011 to June 12, 2011

Duong, Nghia.Trong.

Duong, Jeffrey.Nghia.

June 6, 2011 to June 12, 2011

Easterbrook, Rachel.Stark.

Easterbrook, Rachael.Stark.

June 6, 2011 to June 12, 2011

Edwards, Klohie.Jahcynta.Canning.

Lamar, Klohie.Jahcynta.Canning.

June 6, 2011 to June 12, 2011

Emad, Merriam.

Youkhana, Merriam.

June 6, 2011 to June 12, 2011

Emad, Neveen.

Youkhana, Neveen.

June 6, 2011 to June 12, 2011

Erickson-Lyons, Vanessa.Elizabeth.Leah.

Riley, Myles.Liam.

June 6, 2011 to June 12, 2011

Eugene, Keisha.Theresa.

Laurent-Eugene, Raine.Theresa.

June 6, 2011 to June 12, 2011

Farmer Mombourquette, Jordell.Jody.James.

Farmer, Jordell.Jody.James.Mombourquette.

June 6, 2011 to June 12, 2011

Federley, Jaana.Hannelie.

Federley-Schwarz, Jaana.Hannelie.

June 6, 2011 to June 12, 2011

Fennell, David.Brian.

Daigle, David.Brian.

June 6, 2011 to June 12, 2011

Fletcher, Vanessa.Anne.

Dion Fletcher, Vanessa.Anne.

June 6, 2011 to June 12, 2011

Fournier, Vanessa.Ashley..

Sarsfield, Nessa.Ashley.

June 6, 2011 to June 12, 2011

Friedman, Michele.Tania.

Friedman, Michelle.Tanya.

June 6, 2011 to June 12, 2011

Friesen, Lisa.Michelle.

Freed, Lisa.Michelle.

June 6, 2011 to June 12, 2011

Funglo, Chayaporn.

Piyapatmetakul, Jitpicha.

June 6, 2011 to June 12, 2011

Funglo, Waenfa.

Piyapatmetakul, Piyawan.

June 6, 2011 to June 12, 2011

Fyfe, Victoria.Nicole.

Reynolds, Victoria.Nicole.

June 6, 2011 to June 12, 2011

Gagliardi-Tedesco, Stefanie.Maria.

Gagliardi-Tedesco, Stefania.Maria.

June 6, 2011 to June 12, 2011

Garaad, Marian.

Mahamed, Marian.Abdiaziz.

June 6, 2011 to June 12, 2011

Garcha, Jasbir.Kaur.

Bhatti, Jasbir.Kaur.

June 6, 2011 to June 12, 2011

Garcia-Ishtiaq, Shafia.

Ishtiaq, Shafia.

June 6, 2011 to June 12, 2011

Giles, Marion.Joan.

Searles, Marion.Joan.

June 6, 2011 to June 12, 2011

Goldy, Katherine.Irena..

Goldy, Katherine.

June 6, 2011 to June 12, 2011

Gonidis, Veronika.Asia.

Gonidis-Marijan, Veronika.Asia.

June 6, 2011 to June 12, 2011

Grant, Marie-ThÉRÈSe.Virginia.

Patterson, Marie-Ann.ThÉRÈSE.

June 6, 2011 to June 12, 2011

Grewal, Sundeep.Singh.

Grewal, Micky.Singh.

June 6, 2011 to June 12, 2011

Grillet, Nikole.

Price, Nikole.

June 6, 2011 to June 12, 2011

Grillet, Taylor.Morgan.

Price, Taylor.Morgan.

June 6, 2011 to June 12, 2011

Gross, Brendan.Christian..

Christian, Brendan.

June 6, 2011 to June 12, 2011

Habiboglu, Habip.

Sert, Adam.

June 6, 2011 to June 12, 2011

Hamid, Mohamed.Huza.Huzaifath.

Fernando, Mohamed.Rohan.

June 6, 2011 to June 12, 2011

Hanke, Jennifer.Reanne.

Chesnut, Jennifer.Reanne.

June 6, 2011 to June 12, 2011

Harness, Justin.Tyler.

Adventure, Justin.Tyler.

June 6, 2011 to June 12, 2011

Hartman, Kate.Leigh.

Elson, Kate.Leigh.

June 6, 2011 to June 12, 2011

Henry, Mike.Bryan.Michael.

Henry, Michael.Bryan.

June 6, 2011 to June 12, 2011

Hewitt, Zachary.David.

Doyon, Zachary.Paul.

June 6, 2011 to June 12, 2011

Hing, Brandi.Marie..

Gonsalves, Brandi.Marie.

June 6, 2011 to June 12, 2011

Ho, Lyana.Lok.Tone.

Su, Lyana.

June 6, 2011 to June 12, 2011

Hong, Daniel.Vi.Auc.

Randhawa, Daniel.Singh.

June 6, 2011 to June 12, 2011

Hoyland, Mimi.Lee.

Hoyland, Mya.Cameron.Rose.

June 6, 2011 to June 12, 2011

Hsu, Yu.Wei.

Tam, Angela.Yuwei.

June 6, 2011 to June 12, 2011

Hughes, Mafie.Sernias.

Hughes, Mafie.Santa.Maria.

June 6, 2011 to June 12, 2011

Hull, Jacob.Louis.

O'Connell, Jacob.Louis.

June 6, 2011 to June 12, 2011

Husain, Sana.Kamilla.

Fancy, Sana.Kamilla.

June 6, 2011 to June 12, 2011

Hutchinson, Carol.Rosemary.

Hutchinson, Carol.Rosemary.Reay.

June 6, 2011 to June 12, 2011

Roux , Josephte.Marie.Colombe.

Roux, Josette.Colombe.Marie.

June 6, 2011 to June 12, 2011

Ioannou, Kyden.Nicholas.

Orr, Kyden.Nicholas.

June 6, 2011 to June 12, 2011

Iqbal, Raja.Naeem.

Raja , Naeem.Iqbal.

June 6, 2011 to June 12, 2011

Iskat, Larissa.

Murphy, Larissa.Iskat.

June 6, 2011 to June 12, 2011

Jackson, Jayne.Ellen.

Cook, Jayne.Ellen.

June 6, 2011 to June 12, 2011

James, Esther.Elizabeth.Keisha.

De Freitas, Esther.Elizabeth.Keisha.

June 6, 2011 to June 12, 2011

Jesuthasan, Vijitha.

Sellathurai, Vijitha.

June 6, 2011 to June 12, 2011

Jjombwe, Kenneth.

Nsumba, Kenneth.Jjombwe.

June 6, 2011 to June 12, 2011

Johnson, Laura.Rachel.

Johnson, Laura.Rachel.Lowe.

June 6, 2011 to June 12, 2011

Johnston, Martha.Mary.

Skelly, Martha.Mary.

June 6, 2011 to June 12, 2011

Jraidini, Adel.

Juraydini, Adel.

June 6, 2011 to June 12, 2011

Jraidini, May.

Juraydini, May.

June 6, 2011 to June 12, 2011

Kang, Peter.Hyunil.

Kim, Peter.Joo.Hyung.

June 6, 2011 to June 12, 2011

Kanhai, Joanne.Gail..

Simmons, Joanne.Gail..

June 6, 2011 to June 12, 2011

Kapurura, Wiriranai.Will.

Kapurura, Wiriranai..

June 6, 2011 to June 12, 2011

Karim, Hesham.Abdulmajeed.Ali.

Toorani, Hesham.Karim.

June 6, 2011 to June 12, 2011

Karim, Redha.Abdulmajeed.Ali.

Toorani, Redha.Karim.

June 6, 2011 to June 12, 2011

Kaur, Manjinder.

Goraya, Manjinder.

June 6, 2011 to June 12, 2011

Kaur, Sarbjit.

Mann, Sarbjit.Kaur.

June 6, 2011 to June 12, 2011

Keeping, Roseanne.Charlotte.Eileen.

Barnes, Roseanne.Charlotte.Eileen.

June 6, 2011 to June 12, 2011

Khaira, Pawandeep.Kaur.

Brar, Pawandeep.Kaur.

June 6, 2011 to June 12, 2011

Khalil, Mustafa.

Khalil, Mustafa.Noah.

June 6, 2011 to June 12, 2011

Khan, Muhammad.Mubashir.

Naeem, Mubashir.

June 6, 2011 to June 12, 2011

Khan, Muhammad.Owais.

Khan, Owais.

June 6, 2011 to June 12, 2011

Kim, So.Yon.

Kim, Nicole.Soyon.

June 6, 2011 to June 12, 2011

Kocab, Eliza.Maria.

Siuda, Eliza.Maria.

June 6, 2011 to June 12, 2011

Koritar, Mackenzie.Alexander.

Podstatzky-Lichtenstein, Mackenzie.Alexander.

June 6, 2011 to June 12, 2011

Koritar, Peter.Nandor.

Podstatzky-Lichtenstein, Peter.Nandor.

June 6, 2011 to June 12, 2011

Krywchuk, Austin.Abe.Russel.

Voth, Austin.Abe.Russel.

June 6, 2011 to June 12, 2011

Krywchuk, Autumn.Carol.Mae.

Voth, Autumn.Carol.Mae.

June 6, 2011 to June 12, 2011

Krywchuk, Nathaniel.Abram.Voth.

Voth, Nathan.Abe.

June 6, 2011 to June 12, 2011

Kuiperij, Martin.Robert.

Kuipery, Martin.Robert.

June 6, 2011 to June 12, 2011

Kumar, Sanjay.

Verma, Sanjay.

June 6, 2011 to June 12, 2011

Laflamme-Snow, Marque.Andrew..

Laflamme, Marque.Andrew.

June 6, 2011 to June 12, 2011

Laforge, Joseph.David.Julien.

Arcand, Julien.David.Joseph.

June 6, 2011 to June 12, 2011

Laforge, Marie.Carolin.CÉLine.

Arcand, CÉLine.Carolin.Marie.

June 6, 2011 to June 12, 2011

Leach, Joyce.Ann.

Leach, Judith.Ann.

June 6, 2011 to June 12, 2011

Lee, Jiun.Houy.

Lee, Queenia.Jiun.Houy.

June 6, 2011 to June 12, 2011

Lejbjuk, Peter.Adam.

Leibiuk, Peter.Adam.

June 6, 2011 to June 12, 2011

Leone, Danielle.Nancy.

Fisher, Danielle.Nancy.

June 6, 2011 to June 12, 2011

Leone, Lauren.Olivia.

Fisher, Lauren.Olivia.

June 6, 2011 to June 12, 2011

Leroux, Marie.Yvette.Linda.

Leroux, Lynda.Nicole.

June 6, 2011 to June 12, 2011

Levoir, Kerry.

Lally, Kerry.Levoir..

June 6, 2011 to June 12, 2011

Li, Jing.Yi.

Li, Jenny.Jingyi.

June 6, 2011 to June 12, 2011

Li, Li.

Li, Lillian.Allison.

June 6, 2011 to June 12, 2011

Lian, Zhi.Jun.

Lian, Jeffrey.

June 6, 2011 to June 12, 2011

Lilly, Lawrence.Keith.

Sullivan, Lawrence.Keith.

June 6, 2011 to June 12, 2011

Liu, Yaonan.

Liu, Diana.Yaonan.

June 6, 2011 to June 12, 2011

Liu, Yufei.

Liu, Hansen.Yufei.

June 6, 2011 to June 12, 2011

Lock, April.Caroline.

Elliott, April.Caroline.

June 6, 2011 to June 12, 2011

Lopez Hollywood, Vida.Gabriela.

Mack Hollywood, Vida.Gabriela.

June 6, 2011 to June 12, 2011

Lotfalizadeh-Kashefi, Aria.

Kashefi, Aria.

June 6, 2011 to June 12, 2011

Lowe, Jonathan.James.

Lowe, Jonathan.James.Johnson.

June 6, 2011 to June 12, 2011

Ly, Nghi.

Ly, Nghi.Christine.

June 6, 2011 to June 12, 2011

Maertens, Michael.Ronald.

Martens, Michael.Ronald.

June 6, 2011 to June 12, 2011

Majeed, Muhammad.Hammad.

Majeed, Hammad.Muhammad..

June 6, 2011 to June 12, 2011

Malarczuk, Kimberley.Anne.

Leonard, Kimberley.Anne.

June 6, 2011 to June 12, 2011

Malhortra, Shweta.

Verma, Shweta.

June 6, 2011 to June 12, 2011

Markham, Chad.Robert.

Fenlon, Chad.Robert.

June 6, 2011 to June 12, 2011

Marshall, Margaret.Henrietta.

Miller, Margaret.Henrietta.

June 6, 2011 to June 12, 2011

Martin, Brodan.Jesy.

Beaumont, Brodan.Jesy.

June 6, 2011 to June 12, 2011

Math, Ikdeep.Singh.

Matharu, Ikdeep.Singh.

June 6, 2011 to June 12, 2011

Math, Kamal.

Matharu, Kamal.

June 6, 2011 to June 12, 2011

Math, Narinder.Singh.

Matharu, Narinder.Singh.

June 6, 2011 to June 12, 2011

Math, Sukhjit.Kaur.

Matharu, Sukhjit.Kaur.

June 6, 2011 to June 12, 2011

Matson, Shirely.Violet.

Matson, Shirley.Violet.

June 6, 2011 to June 12, 2011

Mc Millan, Lesley.Ann..

O'Connor, Lesley.Ann.

June 6, 2011 to June 12, 2011

Mcfarlane, Candice.Elizabeth.Lynn.

Cain, Candice.Elizabeth.Lynn.

June 6, 2011 to June 12, 2011

Mehta, Manjariben.Anil.

Mehta, Manjari.

June 6, 2011 to June 12, 2011

Mejali, Maryam.

Al-Shammeri, Maryam.Awadh.Mejali.

June 6, 2011 to June 12, 2011

Mendes, Kayla.Destiny.

Rosmaninho, Kayla.Destiny.

June 6, 2011 to June 12, 2011

Miller, Darnel.Chukwuma.

Miller, Darnel.Alfred.

June 6, 2011 to June 12, 2011

Minin, Nicole.Maria.

Ivanov, Nicole.Ella.

June 6, 2011 to June 12, 2011

Mohammad, Saher.Nasser.

Mohammad, Awatef.

June 6, 2011 to June 12, 2011

Mohammed, Alyssia.Rebecca.Vicente.

Vicente, Alyssia.Mohammed.

June 6, 2011 to June 12, 2011

Mohammed, Lucas.John.

Vicente, Lucas.Mohammed.

June 6, 2011 to June 12, 2011

Mohammed, Safa.Maryam.

Syed, Safa.Maryam.

June 6, 2011 to June 12, 2011

Moharram-Zadeh-Kalya, Sina.

Moharramzadeh, Sina.

June 6, 2011 to June 12, 2011

Morley, Susan.Elizabeth.

Dudas, Susan.Elizabeth.Morley.

June 6, 2011 to June 12, 2011

Morsillo, Francesca.Anna.

Porco, Francesca.Anna.

June 6, 2011 to June 12, 2011

Morwood, Taylor.Marie.Michelle.

Morwood, Tayla.Marie.Michelle.

June 6, 2011 to June 12, 2011

Mulamootil, Dylan.Zachariah..

Abraham, Dylan.Zachariah.

June 6, 2011 to June 12, 2011

Mykhaylyuk, Maksym.

Mihailuk, Max.

June 6, 2011 to June 12, 2011

Nadeau, Joseph.Roger.

Nadeau, Mario.Joseph.Roger.

June 6, 2011 to June 12, 2011

Navaratnam, Melane.

Navaratnam, Milani.

June 6, 2011 to June 12, 2011

Nessan, Nazik.

Nessan, Samantha.Nazik.

June 6, 2011 to June 12, 2011

Nguyen, Thu.Ha.

Phan, Joanna.Thu-Ha.

June 6, 2011 to June 12, 2011

Niu, Andrew.

Ding, Chendong.

June 6, 2011 to June 12, 2011

Noor, Hassan.

Noor, Hansen.

June 6, 2011 to June 12, 2011

Nowak, Anna.Maria.

Witkowski, Anna.Maria.

June 6, 2011 to June 12, 2011

Oglan, Ronald.John.

Urso, Ronaldo.John.

June 6, 2011 to June 12, 2011

Okobi, Onyebuchi.Cathe.

Ajufo, Onyebuchi.Catherine.

June 6, 2011 to June 12, 2011

Okonkwo, Ewehiwe.Gloria.

Uboho, Ewehiwe.Gloria.Nsikan-Abasi.

June 6, 2011 to June 12, 2011

Omandac, May.Pulido.

Helberg, May.Omandac.

June 6, 2011 to June 12, 2011

Pamintuan, Eliza.Estera.

Capraru, Eliza.Estera.

June 6, 2011 to June 12, 2011

Panos, Seta.

Youkhana, Seta.

June 6, 2011 to June 12, 2011

Paolucci, Marin.

Paolucci, Robert.Marin.

June 6, 2011 to June 12, 2011

Pariagh, Vickram.

Pariagh, Vickram.Angad.

June 6, 2011 to June 12, 2011

Parker, Janet.

Amiel, Janet.

June 6, 2011 to June 12, 2011

Pasqualini, Sandra.Auxiliadora.De.Fatima.

Saradesi, Sandra.

June 6, 2011 to June 12, 2011

Patel, Dhanishabahen.A.

Patel, Dhanisha.

June 6, 2011 to June 12, 2011

Patel, Keyuriben.Jagidishkumar.

Patel, Keyuri.Jigneshkumar.

June 6, 2011 to June 12, 2011

Patel, Kishorbhai.

Patel, Kishorbhai.Devjibhai.

June 6, 2011 to June 12, 2011

Patel, Purnima.K.

Patel, Purnima.Kishorbhai.

June 6, 2011 to June 12, 2011

Patel, Shitalben.Rasikbhai.

Patel, Shital.Bharatbhai.

June 6, 2011 to June 12, 2011

Persaud, Karen.Nirmala-Devi.

Singh, Karen.Nirmala-Devi.

June 6, 2011 to June 12, 2011

Phan, Nghia.Thanh.

Phan, Timothy.Thanh-Nghia.

June 6, 2011 to June 12, 2011

Philip Pilipovsky, Ronen.

Philip Dubrovsky, Ronen..

June 6, 2011 to June 12, 2011

Pleau, Joseph.Renald.Marc.

Floccari, Marco.Vincenzo.

June 6, 2011 to June 12, 2011

Polkki, Pekka.Antero..

Polkki, Peter.Andrew.

June 6, 2011 to June 12, 2011

Popson, Dorothy.Marie.

Johnson, Michelle.Marie.

June 6, 2011 to June 12, 2011

Porcellato, Darian.Blair.

Armstrong, Darian.Blair.

June 6, 2011 to June 12, 2011

Porcellato, Paislie.Anne.

Armstrong, Paislie.Anne.

June 6, 2011 to June 12, 2011

Presniak, Michael.Scott.

James, Michael.Scott.

June 6, 2011 to June 12, 2011

Prince, Sivan.

Abdurachmanov, Sivan.

June 6, 2011 to June 12, 2011

Prong, Elmer.Earl.

Prang, Elmer.Iram.

June 6, 2011 to June 12, 2011

Qi, Jia.

Qi, Grace.

June 6, 2011 to June 12, 2011

Qlab, Sandra.

Qalab, Sandra.

June 6, 2011 to June 12, 2011

Rafay, Abdur.

Khan, Abdurrafay.

June 6, 2011 to June 12, 2011

Rafo, Patricia.Kamal.

Kazanji, Patricia.Kamal.Rafo.

June 6, 2011 to June 12, 2011

Ragoo, Elijah.Bon.

Longo, Elijah.Charlie.

June 6, 2011 to June 12, 2011

Rasaiah, Vasantharani.

Balasiri, Vasantharani.

June 6, 2011 to June 12, 2011

Rasmussen-Waymann, John.Roberts..

Waymann, John.Roberts.Rasmussen.

June 6, 2011 to June 12, 2011

Reilly, Shannon.Patricia.

Boustead, Shannon.Patricia.

June 6, 2011 to June 12, 2011

Remisiar Mariya Bern, Shanthi.

Sylvester, Shanthi.

June 6, 2011 to June 12, 2011

Roblin, Jordan.Nathan.

Molella, Jordan.Nathan.

June 6, 2011 to June 12, 2011

Rosato, Liberata..

Furgiuele, Lina.

June 6, 2011 to June 12, 2011

Rosiak, Gale.Marie.

Serson, Gale.Marie.

June 6, 2011 to June 12, 2011

Ryan, Marie.Anne.

Ryan, Mouse.Marie.Anne.

June 6, 2011 to June 12, 2011

Sadri, Mansourehsadat.

Sadri, Sara.MansorÉ.

June 6, 2011 to June 12, 2011

Sahi, Kuldeep.Kaur.

Saini, Kuldeep.Kaur.

June 6, 2011 to June 12, 2011

Salem, Dina.

Al-Aswad, Dina.Salem.

June 6, 2011 to June 12, 2011

Samreena, Samreena.

Liaqath, Samreena.

June 6, 2011 to June 12, 2011

Saquine, Eleanor..

Saquine, Jenny.Eleanor.

June 6, 2011 to June 12, 2011

Sarah, Sahar.

Habib Zai, Sahar.

June 6, 2011 to June 12, 2011

Saravanapavah, Ajindran.

Saravanapavah, Ajaay.Venkatt.

June 6, 2011 to June 12, 2011

Sarveswaran, Kiruththiga.

Bonnyface, Kiruththiga.

June 6, 2011 to June 12, 2011

Scopino, Amber.Kaelie.

Fenton, Amber.Kaelie.

June 6, 2011 to June 12, 2011

Shamsi, Basmah.Eqbal.

Noman, Basmah.

June 6, 2011 to June 12, 2011

Shamsi, Shahneela.Eqbal.

Adnan, Shahneela.

June 6, 2011 to June 12, 2011

Shbber, Hammad.

Shabbir, Hammad.Abdul.Wahhab.

June 6, 2011 to June 12, 2011

Shi, Wei.Min.

Stone, Raymond.

June 6, 2011 to June 12, 2011

Shirvanyan, Grisha.

Shirvanian, Gregory.

June 6, 2011 to June 12, 2011

Shisho, Ghada.

Younan, Ghada.

June 6, 2011 to June 12, 2011

Shoara, Nasrollah.

Shoara, Amin.Aron.

June 6, 2011 to June 12, 2011

Singh, Gurman.

Bhatti, Gurman.Singh.

June 6, 2011 to June 12, 2011

Singh, Gurpal.

Metharu, Gurpal.Singh.

June 6, 2011 to June 12, 2011

Singh, Kuldip.

Mann, Kuldip.Singh.

June 6, 2011 to June 12, 2011

Singh, Kulvinder.

Bains, Kulvinder.Singh.

June 6, 2011 to June 12, 2011

Singh, Shivtar.

Bhatti, Shivtar.Singh.

June 6, 2011 to June 12, 2011

Singh, Surjit.

Boparai, Surjit.Singh.

June 6, 2011 to June 12, 2011

Singh, Yashwattie.

Somwaru, Yashwattie.

June 6, 2011 to June 12, 2011

Sivasubramaniam, Madura.

Siva-Nandakumar, Madura.

June 6, 2011 to June 12, 2011

Sizer, Alexis-Aevry.Gabriella.

Sizer-Thompson, Alexis-Aevry.Gabriella.

June 6, 2011 to June 12, 2011

Skapare, Oksana.

Nweze, Oksana.

June 6, 2011 to June 12, 2011

Slabbert, Susanna.Aletta.

Slabbert, Sunet.Susanna.Aletta.

June 6, 2011 to June 12, 2011

Slade, Vernica.Eden.

Dulic, Vernica.Eden.

June 6, 2011 to June 12, 2011

Smith, Karly.Elizabeth.Ruth.

Hacohen, Karly.Elizabeth.Ruth.

June 6, 2011 to June 12, 2011

Smith, Noah.David.

Smith Cooper, Noah.David.

June 6, 2011 to June 12, 2011

Smith, Tyler.Robert.

Cook, Tyler.Robert.

June 6, 2011 to June 12, 2011

Snowball, Riley.Kale.

Snowball-Rea, Riley.Kale.

June 6, 2011 to June 12, 2011

Snudden, Richard.Benjamin.

Paul, Richard.Benjamin.

June 6, 2011 to June 12, 2011

Solmaz, Fayik.

Birk, Jeff.

June 6, 2011 to June 12, 2011

Soskin, Lauren.Sydney.

Polster, Lauren.Sydney.Soskin.

June 6, 2011 to June 12, 2011

Soskin, Olivia.Fern.

Polster, Olivia.Fern.Soskin.

June 6, 2011 to June 12, 2011

Spielvogel, Victoria.Lynn.

Detoro, Victoria.Lynn.

June 6, 2011 to June 12, 2011

Ssekabira, Beatrice.Lugoloobi.

Nabasirye, Beatrice.Lugoloobi.

June 6, 2011 to June 12, 2011

Stade, Gerald.Walter.

Pilon, Gerry.Walter.

June 6, 2011 to June 12, 2011

Stoddart, Kerrian.Tamara.

Stoddart Ebanks, Kerrian.Tamara.

June 6, 2011 to June 12, 2011

Tagudin, Merlina.Detoro.

Detoro, Merlina.Pangilinan.

June 6, 2011 to June 12, 2011

Tajafari Alinia Dabagh, Ava.

Niconfar, Ava.

June 6, 2011 to June 12, 2011

Tajafari-Ali-Nia-Dab, Mohammad-Hassan..

Nicanfar, Hasen.

June 6, 2011 to June 12, 2011

Tajafari-Alinia-Daba, Koussar.

Nicanfar, Hana.

June 6, 2011 to June 12, 2011

Takeda, Dana.Kiyoko.

Glory, Dana.Kiyoko.Carnelian.Blood..

June 6, 2011 to June 12, 2011

Tang, Chen.Chen.

Tang, Sophia.Chen.Chen.

June 6, 2011 to June 12, 2011

Teal, Reginald.Veron.

Leyland, Rick.

June 6, 2011 to June 12, 2011

Tencer, Catherine.

Mindich, Katherine.

June 6, 2011 to June 12, 2011

Terwilligar, Wilson.Merlon.

Terwilligar, Wilson.Russell.

June 6, 2011 to June 12, 2011

Tittle, Jennifer.Nicole.

Shaw, Jennifer.Nicole.

June 6, 2011 to June 12, 2011

Tomashewski, Kenneth.Lyil.

Tomcheski, Kenneth.Lyil.

June 6, 2011 to June 12, 2011

Toor, Manminder.Singh.

Toor, Michael.

June 6, 2011 to June 12, 2011

Trottier, Marilyn.Adele.

Beaulieu, Marilyn.Adele.

June 6, 2011 to June 12, 2011

Turvey, Aaron.Glen.

Turvey, Angela.Erin.

June 6, 2011 to June 12, 2011

Usmaara, Usmaara.

Idrees, Usmaara.

June 6, 2011 to June 12, 2011

Vaccaro, Rachael.Kathleen.

Mccluskey, Rachael.Kathleen.Julie.

June 6, 2011 to June 12, 2011

Valentic, Launa.Suzanne.

Belanger, Launa.Suzanne.

June 6, 2011 to June 12, 2011

Valnycki, Maria-Anna.

Valnycki, Mary.Anna.

June 6, 2011 to June 12, 2011

Vankiani, Chetna.Kishore.Kumar.

Jadeja, Chetna.Aniruddh.

June 6, 2011 to June 12, 2011

Vatsko, Mykhaylo.

Traublinger, Michael.

June 6, 2011 to June 12, 2011

Veloso Castrelo, Maryanne.W.

Veloso Castrelo, Maryanne.Wayne.

June 6, 2011 to June 12, 2011

Verkouville, Lora.Jean.

Gibbens, Lora.Jean.Verkouville.

June 6, 2011 to June 12, 2011

W Arachchillage, Archana.Weeraso.

Weerasooriya, Archana.

June 6, 2011 to June 12, 2011

Wan, Kin.Wing.

Wan, Jenny.Jian.Ying.

June 6, 2011 to June 12, 2011

Warrick, Jaxon.John.William.

Cowell, Jaxon.John.William.

June 6, 2011 to June 12, 2011

Washchuk, Eric.Gregory.

Seberras, Eric.Gregory.

June 6, 2011 to June 12, 2011

Watters, Keira.Maria.Lynn.

Kavanagh, Keira.Mary..

June 6, 2011 to June 12, 2011

Weerasooriya Arachch, Chandana.Kumara.

Weerasooriya , Chandana..

June 6, 2011 to June 12, 2011

Wesley, Deborah.Daisy.

Corston, Deborah.Daisy.

June 6, 2011 to June 12, 2011

Wheeler, Kerrie-Ann.Sherrie.Michelle..

Wheeler, Kerrie.Ann.Sherrie.Michelle.

June 6, 2011 to June 12, 2011

Wheesk, Darrell..Douglas.

Wheesk, Darrell.Steven.James.

June 6, 2011 to June 12, 2011

Wong Cheung, Wai.Lan.

Wong Cheung, Carmen.Wai.Lan.

June 6, 2011 to June 12, 2011

Woods, Cristin.Anne.

Woods-Ladner, Cristin.Anne.

June 6, 2011 to June 12, 2011

Wu, Ji.Xin.

Wu, Jason.Ji.Xin.

June 6, 2011 to June 12, 2011

Yaghoubi-Araghi, Hadiseh.Sadat.

Rezaei, Hadiseh..

June 6, 2011 to June 12, 2011

Yap, Jee.Keen.

Mckeen, Charles.Yap.

June 6, 2011 to June 12, 2011

Yaso, Vasudeva.

Mathivannan, Yaso.

June 6, 2011 to June 12, 2011

Ye, Xi.Yan.

Tan, Cecilia.Xi.Yan.

June 6, 2011 to June 12, 2011

Yoon, Dong.Ho.

Yoon, Thomas.Dong.Ho.

June 6, 2011 to June 12, 2011

Yu, Yen.Ching.Wen.

Yu, Emma..

June 6, 2011 to June 12, 2011

Zakaryan, Shushanik.

Zakaryan, Susan.

June 6, 2011 to June 12, 2011

Zang, Shu.

Zang, Bryan.Shu.

June 6, 2011 to June 12, 2011

Zhu, Li.Guang.

Chu, Bobby.

June 6, 2011 to June 12, 2011

Zymantas, Vytautas.

Zymantas, Victor.

Judith M. Hartman
Deputy Registrar General
(144-G314)

Alcohol & Gaming Commission of Ontario

The Liquor Licence Act, R.S.O 1990, Chapter L.19
Notice Of Vote

Notice Is Hereby Given of the receipt of Returns of votes taken in the hereinafter named municipality on the 25th day of October, 2010 under the provisions of the Liquor Licence Act, 1990.

Municipality:

Township of Hudson, District of Timiskaming

Question:

7(2) Are you in favour of the sale of spirits, beer and wine for consumption in licensed premises?

Result:
Votes polled for the Affirmative Side 159
Votes polled for the Negative Side 43

Dated at Toronto this 16th day of June, 2011.

Jean Major, Registrar
Alcohol & Gaming Commission of Ontario

Financial Services Commission of Ontario July 2011

Professional Services Guideline

Superintendent’s Guideline No. 01/11

This Guideline is issued pursuant to subsection 268.3 (1) of the Insurance Act for the purposes of subsections 15 (2) (b), 16 (4) (a), 17 (2) and 25 (3) of the Statutory Accident Benefits Schedule – Effective September 1, 2010 (Sabs), and applies to expenses related to services rendered on or after July 1, 2011.

The maximum hourly rates and the maximum fees for the forms listed in this Guideline apply to services rendered on or after July 1, 2011, even if they are approved prior to July 1, 2011.

Purpose

This Guideline establishes the maximum expenses payable by automobile insurers under the Sabs related to the services of any of the health care professions or health care providers listed in the Guideline. These maximums are applicable to:

  • a medical benefit under clauses 15 (1) (a), (b), or (h) of the Sabs;
  • a rehabilitation benefit under clauses 16 (3) (a) to (g) or (l) of the Sabs;
  • case management services under subsection 17 (1) of the Sabs; or
  • conducting an examination, assessment or provision of a certificate, report or treatment plan under subsection 25 (3) of the Sabs.

Insurers are not prohibited from paying above any maximum amount or hourly rate established in the Guideline.

Services provided by health care professionals/providers, unregulated providers and other occupations not listed in the Guideline are not covered by the Guideline. The amounts payable by an insurer related to services not covered by the Guideline are to be determined by the parties involved.

Maximum Hourly Rates and Fees

Automobile insurers are not liable to pay for expenses related to professional services rendered to an insured person that exceed the maximum hourly rates set out in the Appendix.

Forms

The maximum fees payable for the listed forms include all examinations, assessments and expenses related to professional services (as referred to below) that are involved in such examinations and assessments, and all other activities, tasks and expenses involved in the completion and submission of forms, whether they are made through the Health Claims for Auto Insurance (Hcai) system or otherwise. Automobile insurers are not liable to pay for any expenses related to the listed forms that exceed the maximum fees set out in the Appendix.

The $200 maximum fee referred to in this Guideline and in Superintendent’s Guideline No. 06/10 (July 2010 Professional Services Guideline) for a Treatment and Assessment Plan (OCF-18) applies only to the services of a health practitioner as referred to in subsection 25 (1) 3 of the Sabs, namely reviewing and approving an OCF-18 under subsection 38 (3) (c), including any assessment or examination necessary for the purpose of that review and approval by the heath practitioner. The $200 maximum fee does not apply to assessments or examinations that are proposed in an OCF-18 and that an insurer agrees to pay for under subsection 38 (8) of the Sabs.

As stipulated in section 25 (1) 3 of the Sabs, the fee for the OCF-18 is payable only if any one or more of the goods, services, assessments or examinations described in the OCF-18 have been:

  1. approved by the insurer;
  2. deemed by the Sabs to be payable by the insurer; or
  3. determined to be payable by the insurer on the resolution of a dispute in accordance with sections 279 to 283 of the Insurance Act.

Although the Sabs does not expressly set out the criteria an insurer is to apply in determining whether or not to agree to pay for a proposed assessment or examination under subsection 38 (8), an insurer should not act arbitrarily or fetter its discretion, but should instead consider each proposed assessment or examination on its merits with regard to the insurer’s obligation to adjust and settle claims fairly and without unreasonable delay or resistance.

As provided in subsection 25 (5) (a) of the Sabs, an insurer may agree under subsection 38 (8) to pay fees of up to $2,000 for any one assessment or examination proposed in an OCF-18.

Expenses Related to Professional Services

“Expenses related to professional services” as referred to in the Sabs and the Professional Services Guideline include all administration costs, overhead, and related costs, fees, expenses, charges and surcharges. Insurers are not liable for any administration or other costs, overhead, fees, expenses, charges or surcharges that have the result of increasing the effective hourly rates, or the maximum fees payable for completing forms, beyond what is permitted under the Professional Services Guideline.

Collateral Benefits

In respect of any expense referenced in this Guideline or in previous Superintendent’s Professional Services Guidelines, the amount which an insurer would otherwise be liable to pay is subject to reduction by that portion of the expense for which payment is reasonably available under any insurance plan or law, or under any other plan or law.

Harmonized Sales Tax (HST)

The applicability of the HST to the services of any health care professionals or health care providers listed in this Guideline falls under the jurisdiction of the Canada Revenue Agency (Cra). If the HST is considered by the CRA to be applicable to any of the services or fees listed in this Guideline, then the HST is payable by an insurer in addition to the fees as set out in this Guideline.

AppendixRevised Rates And Fees

Health Care Profession or Provider

Maximum Hourly Rate

except catastrophic impairments

Maximum Hourly Rate

catastrophic impairments*

Chiropractors

$108.65

$130.37

Massage Therapists

$56.04

$85.70

Occupational Therapists

$96.07

$115.50

Physiotherapists

$96.07

$115.50

Podiatrists

$96.07

$115.50

Psychologists and Psychological Associates

$144.10

$172.68

Speech Language Pathologists

$108.09

$129.22

Registered Nurses, Registered Practical Nurses and Nurse Practitioners

$88.06

$105.22

Unregulated Providers

Case Managers

$56.04

$85.79

Kinesiologists

$56.04

$85.79

Family Counsellors

$56.04

$85.79

Psychometrists

$56.04

$85.79

Rehabilitation Counsellors

$56.04

$85.79

Vocational Counsellors

$56.04

$85.79

*This rate applies to all services rendered on or after July 1, 2011 to an insured person whose impairment is determined to be a catastrophic impairment as defined in Sabs s. 3 (2) whether such services are rendered before or after such determination is made.

Form

Maximum Payable for

Completion of Form

Disability Certificate (OCF-3)

$200.00

Treatment and Assessment Plan (OCF–18)

$200.00

Automobile Insurance Standard Invoice (OCF-21)

$0.00

(144-G317)

Financial Services Commission of Ontario

Statement Of Priorities & Strategic Directions June 2011

Introduction

The Financial Services Commission of Ontario (FSCO) is an integrated financial services regulator. FSCO is an agency of the Ministry of Finance established under the Financial Services Commission of Ontario Act, 1997 (FSCO Act). It regulates insurance, pension plans, loan and trust companies, credit unions and caisses populaires, mortgage brokerages and administrators and co-operative corporations in Ontario.

FSCO’s legislative mandate is to provide regulatory services that protect the public interest and enhance public confidence in the sectors it regulates.

FSCO is comprised of a five-member commission, the Superintendent of Financial Services and staff.

FSCO in Profile

FSCO delivers regulatory services that protect the public interest, support a strong financial services industry and build public confidence in the regulated sectors. The following chart covers FSCO’s core regulatory activities.

FSCO diagram

As of March 2011, FSCO licensed or registered

  • 361 insurance companies
  • 8,569 pension plans
  • 167 credit unions and caisses populaires
  • 57 loan and trust companies
  • 1,213 mortgage brokerages
  • 2,684 mortgage brokers
  • 8,757 mortgage agents
  • 85 mortgage administrators
  • 1,639 co-operative corporations
  • 44,203 insurance agents
  • 4,420 corporate insurance agencies
  • 1,499 insurance adjusters

Customer Service Commitment

FSCO';s Customer Service Commitment posted on our website outlines the levels of quality service the public and our regulated sectors can expect from FSCO. This commitment identifies FSCO's service principles which are designed to meet or exceed client needs and expectations. In addition, it supports service excellence and Ontario Public Service values.

2011 Priorities

Section 11 of the FSCO Act requires that FSCO publish in The Ontario Gazette and deliver to the Minister of Finance by June 30 of each year a statement setting out FSCO’s proposed priorities.

This, FSCO’s 14th Statement of Priorities, outlines FSCO priorities and initiatives to meet changing economic and marketplace conditions in the coming year. The statement includes a report-back section listing FSCO’s key accomplishments in the previous year.

From November 2010 to March 2011 FSCO met with stakeholders from across the regulated sectors and developed a Strategic Plan for 2011-2014. The 2011 priorities and initiatives included in this Statement of Priorities are consistent with the direction FSCO identified in that Strategic Plan.

Philip Howell
Chief Executive Officer and
Superintendent of Financial Services

John M. Solursh
Chair
Financial Services Tribunal
Financial Services Commission of Ontario

Strategic Directions

FSCO has a legislative mandate to provide regulatory services that protect the public interest and enhance public confidence in the regulated sectors. As an organization, it is committed to being a progressive and fair regulator, working with stakeholders to support a strong financial services industry. FSCO’s current vision, priorities and strategies were developed to support its legislative mandate.

Legislative Mandate

To provide regulatory services that protect the public interest and enhance public confidence in the regulated sectors.

Vision

To be an effective regulator that protects the public interest and supports a strong financial services sector.

Priorities

  • Risk Based Delivery
  • Foster a Co-ordinated National Approach to Regulatory Issues
  • Continuous Service Improvement

Strategies

  • Review and recommend changes to better implement controls and mitigate risk
  • Increase efficiency, effectiveness and transparency
  • Communicate, share knowledge and engage our staff and stakeholders
  • Co-ordinate with other Canadian regulators in the financial services industry

FSCO Priorities

In order to achieve its legislative mandate FSCO has established three priorities.

  • Risk Based Delivery
  • Foster a coordinated National Approach to Regulatory Issues
  • Continuous Service Improvement

Strategies and initiatives have been developed in order to achieve these priorities. The following chart provides the details of these strategies and initiatives.

FSCO Priorities, Strategies, Initiatives at a Glance

FSCO Priorities, Strategies, Initiatives at a glance

FSCO Initiatives in Detail

The following strategies and initiatives have been developed in order to achieve our priorities.

Review and recommend changes to better mitigate risk

Conduct market conduct audit reviews of compliance with the 2010 auto insurance reforms including Statutory Accident Benefits.

Automobile insurance represents approximately 56 percent of all general insurance premiums paid by Ontario residents. The auto insurance product and system changed in 2010 and this also increases risk of non compliance with the law. FSCO will be assessing how well insurance companies have implemented the changes to ensure that consumers are being treated fairly and in accordance with the law. A high compliance rate supports achieving those outcomes. FSCO intends to conduct compliance audits, with a special emphasis on governance and controls in place at insurance companies.

Work with stakeholders to identify measures addressing fraud and abuse in auto insurance industry.

Control over fraud is also important since the cost of fraud increases the cost of insurance premiums. FSCO will work with stakeholders and the Ministry of Finance to strengthen existing tools and develop additional measures to address fraud and abuse in the automobile insurance system. FSCO will support the Ministry of Finance in establishing an anti-fraud taskforce to determine the scope of auto insurance fraud in Ontario as well as working groups of stakeholders to develop collaborative approaches and solutions. FSCO will support the Ministry of Finance in making recommendations regarding detection, investigation, and enforcement and consumer education.

Consider additional tools in enforcement of insurance regulation such as administrative monetary penalties.

FSCO will work with the Ministry of Finance to enhance regulatory effectiveness by considering the enforcement tool of administrative monetary penalties in insurance.

Undertake long-term initiatives extending from 2010 auto insurance reforms – Minor Injury Treatment Protocol, Catastrophic Impairment definition, and closed claims study.

As part of the 2010 auto insurance reforms, the government announced a commitment to consult with stakeholders on possible amendments to the definition of “catastrophic impairment.” FSCO appointed a panel of medical experts to review the definition in December 2010. FSCO is committed to consulting with stakeholders on the report from the panel and making final recommendations to the Ministry of Finance this year.

The government also announced an initiative to develop a treatment protocol for minor injuries that reflects the current scientific and medical literature. This project began in 2010 and will be completed in 2014. A consultant will oversee the work to provide FSCO with an evidence-based treatment protocol, clinical prediction rules to identify patients at risk of becoming chronic, and a marketing strategy for educating the public and health providers on the new protocol.

FSCO will be working with the auto insurance industry to conduct a study of closed automobile insurance claims. Many existing data sources do not provide a detailed breakdown of claims costs. The results of the study will assist industry and government actuaries in properly assessing the impact of past and future auto insurance reforms.

Perform market conduct review of suitability of product recommendations for insurance.

Insurance products are complex. Recent studies on financial literacy in Canada have shown that many consumers have difficulty in understanding many products. This creates a risk for consumers. Insurance agents and companies have an important role to ensure these consumers are empowered to make informed decisions and are presented with suitable product recommendations. A market conduct review will be undertaken to determine how the industry is ensuring that these two outcomes are achieved. The focus of the review will be to understand and assess the processes agents use in making recommendations to consumers and the processes in place at insurance companies when developing and distributing products. The review will also consider the actions agents and insurance companies are taking to support the financial literacy of their clients.

Implement an enhanced risk based regulation approach for pension plans.

The goal of the enhanced risk based regulation project for pension plans is to protect plans and plan beneficiaries by developing an enhanced risk based program of monitoring, examinations and investigations directed at pension plans that may be at risk of failure or of significant under-funding. This is in line with FSCO’s strategic priority of conducting regulatory activities in accordance with risk based principles.

In March 2011, FSCO published a consultation paper on a proposed risk based regulation framework. The framework will be finalized based on input from pension stakeholders. For 2011-12, FSCO will develop the detailed design features of the new framework including risk indicators and measures, risk assessment methodology, regulatory response actions, and supporting business processes.

In 2012-13, FSCO will prepare for the rollout and implementation of the risk based monitoring program and develop a plan for ongoing evaluation of the program.

Increase compliance by mortgage brokerages.

The Mortgage Brokerages, Lenders, and Administrators Act that came into effect on July 1, 2008, enhanced protections and fair treatment of borrowers and private investors. Achieving these outcomes requires a high compliance rate with the law. FSCO will employ multiple strategies including education and outreach, risk based compliance audits, targeted enforcement activities, implementing a new mandatory continuing education policy for agents and brokers, and working with industry associations to achieve these outcomes.

Carry out five year statutory reviews of the Mortgage Brokerage, Lenders and Administrators Act, and the Credit Unions and Caisses Populaires Act.

FSCO will assist the Ministry of Finance in conducting these reviews to ensure that the law stays current so that risks in the marketplace are mitigated.

Increased efficiency, effectiveness and transparency

Continue to build an Enterprise Licensing and Stakeholder Relationship System.

FSCO continuously looks for ways to increase efficiency and to provide quality service to stakeholders and clients. FSCO continues to develop a stakeholder relationship system that will provide the tools and resources to ensure that it has a complete view of the individuals and businesses it regulates. The new system will support FSCO’s focus on user needs, better manage risk and facilitate work with other regulators.

Expand the use of online portal for pension plan administrators and other parties to obtain information and submit additional prescribed documents online.

In March 2010, FSCO launched the Pension Services Portal to provide stakeholders with a secure electronic channel for the submission of the Annual Information Return (Air) in a flat file format. In September 2010, the portal was enhanced to provide for the filing of online fillable forms. The AIR was selected as the first of the prescribed pension filings to allow online filing.

Development of the portal continues with planned expansion to encompass all other prescribed pension filings. Once the system can accept all prescribed filings, work will begin on electronic submission of other applications and automatic notifications. It is anticipated that ultimately the website portal will become the conduit between FSCO and pension stakeholders for the submission of all filings and applications.

Develop electronic records management of pension documentation for access by external and internal stakeholders.

Across FSCO solutions are being developed to deal with the growing volume of paper in archival storage. In 2010 the Pension Division applied a solution with the launch of the Pension Services Portal.

FSCO will pilot an additional solution, electronic imaging, in 2011. Once key documents have been imaged, pension stakeholders will have an effective and efficient method of access to historical pension plan documentation. FSCO will apply these as well as other appropriate solutions to other branches and divisions.

Initiate electronic mediation scheduling and explore feasibility of private sector mediation/arbitration service providers to support the increased workload.

As part of FSCO’s legislative mandate to provide fair, accessible, cost-effective and timely dispute resolution services, electronic scheduling will provide the parties to mediation with the ability to book mediation meetings using an online scheduling system administered by FSCO.

FSCO is exploring the feasibility of engaging the services of external dispute resolution service providers, to deal with the significant backlog that has developed as a result of unprecedented increases in mediation applications.

Increase regulatory efficiency and effectiveness in solvency regulation of insurance companies.

FSCO will work with the Ministry of Finance to assess whether changes are required in the law to provide for a more effective, efficient and harmonized approach to solvency regulation of insurance companies incorporated in Ontario.

Communicate, share knowledge and engage our staff and stakeholders

Raise awareness of filing requirements and the relevant legislation and regulations by planning and hosting an information session for insurance company representatives.

FSCO will raise awareness of automobile insurance filing requirements and the relevant legislation and regulations by planning and hosting an information session for insurance company representatives. Over the past two years, FSCO has taken steps to improve the automobile insurance rate filing process. Improvements have included clarifying the filing guidelines, enhanced communication to insurers on activities and issues, and e-filing implementation.

As a member of the Canadian Automobile Insurance Rate Regulators (Carr) association, FSCO is assisting in the development of a training session for regulatory staff on rate filing analysis. FSCO is also hosting the Carr conference on automobile insurance issues that will include participation from the industry and from other regulators.

Develop new online media channels to engage stakeholders.

FSCO will explore expanding communications channels to better engage stakeholders.

Continue to enhance pension stakeholder outreach and education.

FSCO has launched a multi-year project focusing on outreach and educational efforts targeted to pension stakeholders. Initiatives will include the development of regulatory policies supporting legislative changes to the Pension Benefits Act, and governance matters to support the risk based regulation initiative.

FSCO will also hold additional webinars on various topics of interest. The webinars will be posted online. FSCO will develop an online tool kit for pension plan members covering pension plans as well as important recent changes. FSCO will also develop a tool kit for pension plan administrators.

Coordinate with other Canadian regulators in the financial services industry

Work with Ministry of Finance to review major parts of the Insurance Act such as life insurance and accident and sickness insurance, as well as other insurance-related legislation.

FSCO will work with the Ministry of Finance to consider changes to further promote consumer protection and harmonization with other Canadian jurisdictions. This will be the first review of these major parts of the legislation since 1962.

Examine Ccir recommendations to reflect changes in distribution channels.

The provisions in the Insurance Act dealing with insurance distribution were enacted many years ago when insurance was largely distributed by agents representing a single company. There is now more diversity in distribution channels. The Canadian Council of Insurance Regulators (Ccir) recently published a paper on managing general agencies. Ccir is researching the role of MGAs in the distribution of life insurance and the nature of risks involved.

Participate in a Working Group established by Ccir to gather the facts surrounding the use of credit information by insurers.

In order to get a clear understanding of what is happening in the marketplace, FSCO is participating in a Working Group established by Ccir to gather the facts surrounding the use of credit information by insurers.

FSCO’s Approach

To fulfill its legislative mandate and set effective organizational priorities, FSCO considers environmental risks and factors influencing the financial services industry. FSCO identifies risks that may impact our capacity to conduct business operations and ensure a high level of regulatory oversight. Over the next three years, we will continue to strengthen and enhance this risk based regulatory framework

The Environment

The economic recovery is well underway in Ontario. All major indicators have improved from lows posted during the recession. Several economic indicators point to stronger activity in the financial services sector. Ontario’s real GDP is growing while consumer confidence is up significantly since the same period in 2010.

Internal and External Factors Affecting the FSCO

With the spread of information technology, consumers have different expectations of financial service providers. At the same time, te chnological changes are shaping new products and distribution channels for financial products. This is a changing environment where the role of the regulator is also evolving.

In order to ensure we are providing effective regulatory services in this environment, it is important that we make the best use of limited resources as well as engage regularly with the sectors.

FSCO has established committees and advisory groups in the insurance, pensions, cooperative corporations, credit unions and caisses populaires and mortgage brokerage sectors. Meeting with these groups promotes a dialogue where the objectives are to improve regulation, gain an understanding of current and emerging issues and streamline the system.

Performance Measures FSCO works to continuously improve its performance throughout the organization in order to deliver its services in a cost efficient and effective manner.

To support this, FSCO will develop improved performance measures and establish standards against which it can be judged in all the sectors it regulates. The existing measures will be reviewed and updated over the coming year.

FSCO is also working on new ways to measure outcomes and report on results.

Financial Services Tribunal Priorities at a Glance

Financial Services Tribunal Priorities at a Glance

Financial Services Tribunal Initiatives in Detail

The Financial Services Tribunal (Fst) is an expert adjudicative tribunal established under the FSCO Act. It is comprised of members appointed to it on a part time basis.

The FST is charged with hearing applications and appeals from certain decisions made or proposed by the Superintendent, or other authorized persons or entities, under a range of Ontario statutes governing financial services matters including:

  • the Pension Benefits Act
  • the Insurance Act
  • the Mortgage Brokerages, Lenders and Administrators Act, and
  • the Credit Unions and Caisses Populaires Act.

Maintain a pool of qualified members to adjudicate hearings Ensure appropriate expertise is available and allocated to staff panels appointed to hear Tribunal matters.
Retain qualified expert members.
Arrange for supplementary training as required.
The scope of matters qualifying for an application or appeal to the FST has been substantially expanded over the past few years resulting in an increasingly diverse workload for the Fst.

Panels are appointed to hear applications or appeals with consideration given to their expertise in the area of financial services that will be the subject matter of the hearing. As well, consideration is given to ensuring that the panel has appropriate knowledge about the principles of administrative law reflected in the Statutory Powers Procedure Act and applicable court decisions. This is so that matters can be addressed in a fair, open, timely, efficient and cost effective manner.

An FST member who is not on the panel may be assigned to act as a mediator to help the parties reach a resolution and avert a disputed hearing.

A key focus of the FST is the maintenance of member expertise in financial services and administrative law. Members pursue ongoing education and training from internal and external providers. Internal training is on a generic (not case-specific) basis.

Expand dialogue with members of the legal profession

Conduct consultations with the Tribunal’s Legal Advisory Committee.

External training includes programs and materials provided primarily by the Society of Ontario Adjudicators and Regulators.

Update Tribunal practices and procedures

Review and update practices and procedures which may require revisions to reflect legislative or regulatory changes, or recent case law relevant to adjudicative tribunals.

Consistent with its status as an independent tribunal, the FST seeks advice on practices and performance from the legal profession. The FST’s established Legal Advisory Committee provides most of the guidance.

The FST’s rules of practice and procedure, including its prescribed forms, are currently undergoing intensive review. The rules need to be updated to reflect changes to principles of administrative law under applicable legislation, case law, and applicable financial services legislation.

Consultation with the Legal Advisory Committee is taking place and may be extended to other stakeholders as appropriate. Some recent issues addressed by the FST in the context of its procedures have included confidentiality, freedom of information, and persons entitled to appear before tribunals under the Law Society Act.

Report Back on Priorities and Key Initiatives from 2010

FSCO’s Statement of Priorities includes a report on the progress of key initiatives identified in the previous year’s statement and their intended benefits to stakeholders and the regulatory system.

Many of FSCO’s initiatives are complex, span several years and involve various partners, such as industry associations, national organizations of regulators, and the federal and provincial governments.

Support Automobile Insurance Reform

  • Worked with the Ministry of Finance to implement changes and to provide stakeholders with guidance on implementing the Ontario government’s announced package of automobile insurance reforms. FSCO is closely monitoring the reforms post implementation, in particular the effectiveness of the minor injury cap.
  • Released a Request for Proposal for a consultant to develop a new minor injury treatment protocol which will provide a continuum of care for those injured in auto accidents.
  • Researched the feasibility of conducting a study of closed automobile insurance claims to understand the factors contributing to cost changes and create an up-to-date framework for projecting the impact of auto insurance product design or system changes.
  • Appointed a panel of medical experts to recommend changes to the definition of catastrophic impairment in the Statutory Accident Benefits Schedule and to develop minimum standards setting out the training and experience required for assessors of catastrophic impairment.
  • Improved the auto insurance filing approval process by enhancing the functionality and reporting capability of the existing case management system. As of January 1, 2011, insurers are required to submit their auto insurance filings through the Internet.
  • Moved to a new platform and introduced enhancements to the automated dispute resolution case management systems. The changes have resulted in improved efficiencies in the mediation system.

Modernize and strengthen Ontario’s pension system

  • Consulted with Advisory Committee and stakeholder group members and released the proposed framework for risk based regulation for consultation.
  • Launched an online pension portal which provides stakeholders with a secure electronic channel for the submission of Annual Information Returns (AIRs) in a flat file format. In September 2010, the portal was expanded to provide the filing of AIRs via online fillable forms.
  • Posted consultation paper on best practices for plan administrators on how to deal with member complaints and inquiries. Implemented enhanced tracking of general inquiries by type of issue. Posted information to assist plan members in making inquiries.
  • Provided topical webinars that focused on educating and informing plan administrators and other pension stakeholders on current issues and legislative changes.

Improve compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006

  • Prepared a draft paper and consulted with industry stakeholders and other regulators on implementing a new mandatory continuing education policy for the mortgage broker sector that is compatible with requirements in other Canadian jurisdictions.
  • Continued to enhance risk based monitoring, examination and enforcement activities to promote industry compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006, and regulations. Activities including suitability reviews of new applicants, follow-ups with brokerages without a principal broker, and review of all administrators’ policies and procedures resulted in improved compliance rates.
  • Initiated a multi-year project to develop a new Enterprise Licensing Stakeholder Relationship System (Elsrs) that will provide consumers and stakeholders integrated, easy-to-use, and seamless access to our services. The design of the Elsrs will provide for one centralized system that will improve risk management, provide better services to stakeholders and facilitate work with other regulators. Work is underway to develop change management, communication, and engagement strategies. A Risk Matrix was developed that identifies risks and mitigation strategies. A review of system demonstrations from organizations that conduct similar work to the project cross-enterprise team has been completed.

Foster a coordinated national approach to regulatory issues

  • Working with the Joint Forum, developed plans for consultation with product manufacturers and intermediaries to ensure consumers are offered suitable products and are able to make informed decisions. Further work is to be done with stakeholder associations in preparation for the consultations.
  • A proposal for the establishment of a database for sharing information on enforcement actions in the insurance sector was approved by the Ccir and a Ccir Working Group has been set up to work on this initiative.
  • Finalized a new proposed agreement to establish clear rules for the administration and regulation of multi jurisdictional pension plans for consideration by governments. Enabling legislation to adopt the agreement is in place in Quebec, Alberta and Ontario. Administrative procedures developed for implementation of the agreement were approved at Capsa’s September 2010 meeting. In May 2011, the Governments of Ontario and Quebec announced the signing of the Agreement Respecting Multi-Jurisdictional Pension Plans.
  • Working with Capsa developed draft guidelines for pension plan investment and funding following consultation on a discussion paper. The guidelines were released for public consultation.
  • The Agencies Regulation Committee of Ccir released a consultation paper on Managing General Agencies. FSCO is a member of this committee.
  • Implemented the new, harmonized profiles in rate filings in Ontario as part of the auto insurance reforms. Ontario was the first jurisdiction to implement the new harmonized profiles in rate filings. Other jurisdictions intend to adopt the profiles as filing requirements over the next year.

Continuous improvement in the delivery of our services

  • Continued to work on implementing service standards and measurements for complaint handling, general inquiries, licensing and registration, and internal inquiries. Worked to develop program-level service standards, including consultation with stakeholders, staff and members of the public.
  • Worked with the Ministry of Finance, the Deposit Insurance Corporation of Ontario and credit unions and caisses populaires to support their transition to the new modernized regulations for the sector. Regulation 238/09 (Cost of Borrowing and Disclosure to Borrowers) came into force on October 1, 2010. FSCO staff have been trained to handle any complaints.

(144-G318)

Ontario Energy Board

Final Notice of Low-Income and other Customer Service Amendmentsto the Distribution System Code March 30, 2011

Amendments Adopted to the Distribution System Code as consolidated January 1, 2011

Note: The text of the adopted amendments is set out in italics below, for ease of identification only.

  1. Section 1.2 of the Distribution System Code is amended by deleting the sentence “The amendments to sections 2.8.1 to 2.8.3, and 6.1.2, come into force on April 1, 2011.” and replacing it with the following sentence:

    The amendments to sections 2.7, 2.8.1 to 2.8.5, and 6.1.2 come into force on April 1, 2011.

    And by adding the following definitions:

    “eligible low-income customer” means:

    1. a residential electricity customer who has a pre-tax household income at or below the most recent pre-tax Low Income Cut-Off, according to Statistics Canada, plus 15%, taking into account family size and community size, as qualified by a Social Service Agency or Government Agency; or
    2. a residential electricity customer who has been qualified for Emergency Financial Assistance;

    “Emergency Financial Assistance” means any Board-approved emergency financial assistance program made available by a distributor to eligible low-income residential customers;

    “load control device” means a load limiter, timed load interrupter or similar device that limits or interrupts normal electricity service;

    “load limiter device” means a device that will allow a customer to run a small number of electrical items in his or her premises at any given time, and if the customer exceeds the limit of the load limiter, then the device will interrupt the power until it is reset;

    “Social Service Agency or Government Agency” means:

    1. a social service agency or government agency that partners with a given distributor to assess eligibility for Emergency Financial Assistance; or
    2. a social service agency or government agency that assesses eligibility for other energy financial assistance or low-income financial assistance programs, and partners with a given distributor to qualify customers for eligibility under this Code;

    “timed load interrupter device” means a device that will completely interrupt the customer’s electricity intermittently for periods of time and allows full load capacity outside of the time periods that the electricity is interrupted;

  1. Section 1.3 of the Distribution System Code is amended by adding the number “1.3.1” immediately before the word “Unless” and by adding the following sections:

      1.3.2  For the purposes of the definition of ”eligible low-income customer” in section 1.2 of this Code, a residential electricity customer who has been qualified as an eligible low-income customer shall remain an eligible low-income customer for a period of 2 years from the date on which he or she was so qualified.

      1.3.3  A customer shall be treated as an eligible low-income customer for the purposes of this Code once the customer has been qualified as an eligible low-income customer according to the definition in section 1.2 of this Code or has identified himself or herself as provided under section 1.3.2 of this Code.

  1. Section 1.7 of the Distribution System Code is amended by adding the following paragraphs at the end of that section:

    The amendments to sections 2.6.6.2A, 2.6.6.2B, 2.6.6.3(c), 2.7.1A, 2.7.4, 2.7.4.4, 2.7.7, 2.7.8, 2.9.2, 3.1.1(g), 4.2.2(k) and 4.2.2.4(f), 4.2.2.6, 4.2.2.7, 4.2.6, 7.10(1)(b) will come into force on April 1, 2011.

    The amendments to sections 1.2 (definitions of “load limiter device”, “timed load interrupter device” and “load control device”), 2.9 and 4.2.2(k2) come into force on July 1, 2011.

    The amendments to sections 1.2 (definitions of “eligible low-income customer”, “Emergency Financial Assistance” and “Social Service Agency or Government Agency”), 1.3.1, 1.3.2, 1.3.3, 2.4.11(c), 2.4.11.1, 2.4.11.2, 2.4.23B, 2.4.23C, 2.7.1.3, 2.7.2(c) to (e), 2.7.4.3, 2.7.5.1, 2.7.6, 2.7.6A, 2.9.2, 4.2.2(k1) and 4.2.2.4(f1) come into force on October 1, 2011.

  1. Section 2.4.11 of the Distribution System Code is amended by deleting the word “or” after subsection (a), by replacing the period after subsection (b) with a semi-colon and by adding the word “or”, and by adding the following sections:

      2.4.11(c)  a customer has been qualified as an eligible low-income customer and requests a waiver under section 2.4.11.1.

      2.4.11.1  When issuing a bill for a security deposit in accordance with section 2.4.9, the distributor shall advise a residential customer that the security deposit requirement will be waived for an eligible low-income customer provided that such a customer contacts the distributor and thereafter confirms his or her low-income eligibility. The distributor shall notify the customer by means of a bill insert, bill message, letter or outgoing telephone message and shall include the distributor’s contact information where the customer can obtain further information and a referral to a Social Service Agency or Government Agency to review the customer’s low-income eligibility.

      2.4.11.2   Where a distributor is advised by a Social Service Agency or a Government Agency that the agency is assessing the customer for eligibility as a low-income customer, the due date for payment of the security deposit shall be extended for at least 21 days pending the eligibility decision of the Social Service Agency or Government Agency.

  1. Section 2.4.23 of the Distribution System Code is amended by adding the following sections:

      2.4.23B  A distributor shall give notice to all residential customers, at least annually, that any residential customer that qualifies as an eligible low-income customer may request and receive a refund of any security deposit previously paid to the distributor by the customer, after application of the security deposit to any outstanding arrears on the customer’s account.

      2.4.23C  Where an eligible low-income customer requests refund of a security deposit previously paid to a distributor by the customer, the distributor shall advise the customer within 10 days of the request that the balance remaining after application of the security deposit to any outstanding arrears will be credited to his or her account where the remaining amount is less than one month’s average billing or, where the remaining amount is equal to or greater than one month’s average billing, the customer may elect to receive the refund by cheque and the distributor shall issue a cheque within 11 days of the customer requesting payment by cheque.

  1. Section 2.6.6 of the Distribution System code is amended by deleting current sections 2.6.6.2 and 2.6.6.3(c) and replacing them with the following new sections:

      2.6.6.2A  Where payment on account of a bill referred to in section 2.6.6 or 2.6.6.1 is sufficient to cover electricity charges, security deposits and billing adjustments, the distributor shall not impose late payment charges, issue a disconnection notice or disconnect electricity supply.

      2.6.6.2B   Subject to section 2.6.6.1, where payment on account of a bill referred to in section 2.6.6 or 2.6.6.1 is not sufficient to cover electricity charges, security deposits and billing adjustments, the distributor shall allocate the payments in the following order: electricity charges as defined in section 2.6.6.3, payments towards an arrears payment agreement, outstanding security deposit, under-billing adjustments and non-electricity charges.

      2.6.6.3(c)   Board-approved specific service charges, including late payment charges, and such other charges and applicable taxes associated with the consumption of electricity as may be required by law to be included on the bill issued to the customer or as may be designated by the Board for the purposes of this section, but not including security deposits or amounts owed by a customer pursuant to an arrears payment agreement or a billing adjustment.

  1. Section 2.7 of the Distribution System Code is amended as follows:
    • by deleting the heading “2.7 Arrears Management Programs” and replacing it with the heading “2.7 Arrears Payment Agreements”;
    • by deleting the word “or” after section 2.7.2(a), by replacing the period after section 2.7.2(b) with a semi-colon;
    • by adding the following sections:

      2.7.1A  If a distributor enters into discussions with a residential customer and offers an arrears agreement but the customer declines to enter into an arrears agreement, the distributor may proceed with disconnection and is not required to offer an arrears agreement to such a customer after disconnection.

      2.7.1.3  Where an eligible low-income customer enters into an arrears payment agreement for the first time or subsequent to having successfully completed a previous arrears payment agreement as an eligible low-income customer, a distributor may require that the customer pay a down payment of up to 10% of the electricity charge arrears accumulated, inclusive of any applicable late payment charges but excluding other service charges.

      2.7.2 (c)  in the case of an eligible low-income customer, a period of at least 8 months, where the total amount of the electricity charges remaining overdue for payment is less than or equal to 2 times the customer’s average monthly billing amount;

      (d)   in the case of an eligible low-income customer, a period of at least 12 months where the total amount of the electricity charges remaining overdue for payment exceeds 2 times the customer’s average monthly billing amount and is less than or equal to 5 times the customer’s average monthly billing amount; or

      (e)   in the case of an eligible low-income customer, a period of at least 16 months where the total amount of the electricity charges remaining overdue for payment exceeds 5 times the customer’s average monthly billing amount.

    • by deleting section 2.7.4 and replacing it with the following new section:

      2.7.4   Where a residential customer defaults on more than one occasion in making a payment in accordance with an arrears payment agreement, or a payment on account of a current electricity charge billing, a security deposit amount due or an under-billing adjustment, the distributor may cancel the arrears payment agreement.

    • and by adding the following sections:

      2.7.4.3   Where an eligible low-income customer defaults on more than two occasions in making a payment in accordance with an arrears payment agreement, or a payment on account of a current electricity charge billing or an under-billing adjustment, the distributor may cancel the arrears payment agreement.

      2.7.4.4  For purposes of sections 2.7.4 and 2.7.4.3, the defaults must occur over a period of at least 2 months before the distributor may cancel the arrears payment agreement.

      2.7.5.1  In the case of an eligible low-income customer, the distributor shall allow such a customer to enter into a subsequent arrears payment agreement upon successful completion of the previous arrears payment agreement on the following terms:

    1. If a second or subsequent arrears agreement is requested less than 12 months from the date of completion of the previous arrears payment agreement, then the standard arrears payment agreement terms applicable to all residential customers under sections 2.7.1 to 2.7.4.1 also apply to the eligible low-income customer; or
    2. If a second or subsequent arrears agreement is requested 12 months or more from the date of completion of the previous arrears payment agreement, the eligible low-income customer shall be entitled to the arrears payment agreement terms set out in sections 2.7.1.3, 2.7.2(c), 2.7.2(d), 2.7.2(e), 2.7.4.3 and 2.7.4.4.

      2.7.6  Notwithstanding the definition of “electricity charges” in section 2.6.6.3, and subject to section 2.7.6A, where an eligible low-income customer enters into an arrears payment agreement with a distributor for the first time or subsequent to having successfully completed a previous arrears payment agreement as an eligible low-income customer, the distributor shall waive any service charges specifically related to collection, disconnection, non-payment or load control devices and such charges shall not be included in the arrears payment agreement.

      2.7.6A   The distributor is not required to waive any late payment charges, as described in section 2.6.6.3, that accrue to the date of the arrears payment agreement but no further late payment charges may be imposed on an eligible low-income customer after he or she has entered into an arrears payment agreement with the distributor in respect of the amount that is the subject of that agreement.

      2.7.7   The distributor shall not disconnect the property of a residential customer, for failing to make a payment subject to an arrears payment agreement, unless the customer is in default, according to sections 2.7.4 or 2.7.4.3, and 2.7.4.4, and the distributor has cancelled the arrears payment agreement in accordance with the provisions of this Code.

      2.7.8  In the event a residential electricity customer failed to perform his or her obligations under a previous arrears payment agreement and the distributor terminated the agreement pursuant to section 2.7.4, the distributor may require that the customer wait 1 year after termination of the previous agreement before entering into another arrears payment agreement with the distributor.

  1. The Distribution System Code is amended by adding the following sections:

      2.9   Use of Load Control Devices

      2.9.1.   A distributor may install a load control device instead of disconnecting supply to a customer for non-payment, provided that the distributor complies with the provisions set out in sections 2.9.3, 2.9.3A, 2.9.3B, 2.9.3C, 2.9.4, 2.9.5 and 2.9.6.

      2.9.1A   Where a customer voluntarily requests the installation or continued use of a load limiter device, the distributor shall install a load limiter device provided the distributor ordinarily provides such a service.

      2.9.2   Where a distributor is notified by a Social Service Agency or Government Agency that the agency is assessing the customer for Emergency Financial Assistance, the distributor shall refrain from installing a load control device for a period of 21 days after receiving such notification.

      2.9.3   When the distributor installs a load limiter device, either for non-payment or at the customer’s request, it shall also deliver a written notice to the customer explaining in plain language the operation of the device, the maximum capacity of the device, how to reset the device if the maximum capacity is exceeded, as well as a telephone number for the customer to obtain further information and an emergency telephone number to contact if the capacity is exceeded and the customer cannot manually reset the device for any reason.

      2.9.3A   When the distributor installs a load limiter device for non payment that cannot be manually reset by the customer after the maximum limit is triggered, then the distributor must provide a 24-hour telephone number the customer may call to have the load limiter device remotely reset.

      2.9.3B   When the distributor installs a timed load interrupter for non-payment, it shall also deliver a written notice to the customer explaining in plain language the effect of the device on service and a telephone number for the customer to obtain further information.

      2.9.3C   When a distributor installs a load control device for non-payment, the distributor shall also provide to the customer:

    1. the Fire Safety Notice of the Office of the Fire Marshal; and
    2. any other public safety notices or information bulletins issued by public safety authorities and provided to the distributor, which provide information to consumers respecting dangers associated with the disconnection of electricity service.

      2.9.4   A load control device may not be installed at a residential customer’s property during the course of an arrears payment agreement, unless the agreement has been terminated in accordance with the provisions of this Code.

      2.9.5   Where a distributor had previously installed a load control device for non-payment and the residential customer then enters into an arrears payment agreement, the distributor shall remove the device within 2 business days of the customer entering into an arrears payment agreement.

      2.9.5A   Despite sections 2.9.4, 2.9.5 and 7.10.1(b), a customer may request the installation or continued use of the load limiter device during the course of the arrears payment agreement where the distributor ordinarily provides such a service.

      2.9.6   Subject to section 2.9.5, where a load control device was installed by a distributor for non-payment, the distributor shall remove the load control device within 2 business days of an outstanding account being paid in full.

  1. Section 3.1.1(g) of the Distribution System Code is amended by deleting the phrase “section 2.4.20” at the end of that section and replacing it with the phrase “sections 2.4.20 and 2.4.20A”.
  1. Section 4.2.2 of the Distribution System Code is amended as follows:
    • by deleting current section 4.2.2(k) and replacing it with the following new section: (k)that a Board-prescribed standard arrears management program and equal monthly payment plan option may be available to all residential customers, along with contact information for the distributor where the customer can obtain further information;
    • by deleting the word “and” at the end of section 4.2.2.(k); and
    • by adding the following new sections:

      (k1) that the following additional assistance may be available to an eligible low-income customer, along with contact information for the distributor where the customer can obtain further information about the additional assistance:

      1. a Board-prescribed arrears management program, and other expanded customer service provisions, specifically for eligible low-income customers;
      2. a Board-approved Emergency Financial Assistance program administered through a Social Service Agency or Government Agency;

      (k2) that the distributor may install a load control device at the customer’s premises in lieu of disconnection; and

  1. Section 4.2.2.4 of the Distribution System Code is amended as follows:
    • by deleting current section 4.2.2.4(f) and replacing it with the following new section:

      (f)   advise the customer that a Board-prescribed standard arrears management program and equal monthly payment plan option may be available to all residential customers; the distributor must be prepared to enter into an arrears payment agreement at that time if the customer is eligible under section 2.7;

    • by adding the following new section:

      (f1)   advise that the following additional assistance may be available to an eligible low-income customer, along with contact information for the distributor where the customer can obtain further information about the additional assistance:

      1. a Board-prescribed arrears management program, and other expanded customer service provisions, specifically for eligible low-income customers;
      2. a Board-approved Emergency Financial Assistance program administered through a Social Service Agency or Government Agency; and
    • by deleting the word “and” at the end of section 4.2.2.2(f).
  1. Sections 4.2.2.6 and 4.2.2.7 of the Distribution System Code are deleted and replaced with the following sections:

      4.2.2.6   A distributor shall suspend any disconnection action for a period of 21 days from the date of notification by a Social Service Agency or Government Agency that it is assessing a residential customer for the purposes of determining whether the customer is eligible to receive such assistance, provided such notification is made within 10 days from the date on which the disconnection notice is received by the customer. Where a residential customer had requested prior to the issuance of the disconnection notice that the distributor also provide a copy of any disconnection notice to a third party, the distributor shall suspend any disconnection action for a period of 21 days from the date of notification by the third party that he, she or it is attempting to arrange assistance with the bill payment, provided such notification is made within 10 days from the date on which the disconnection notice is received by the customer.

      4.2.2.7   Despite section 4.2.2.6, upon notification by a Social Service Agency or Government Agency that a customer is not eligible to receive such assistance, or if another third party who was considering the provision of bill assistance decides not to proceed, the distributor may continue its disconnection process. Distributors will have up to 11 days to act on the previous disconnection notice and must make a further reasonable effort to contact the customer in accordance with section 4.2.2.4 prior to executing disconnection.

  1. Section 4.2.6 of the Distribution System Code is amended by deleting the phrase “section 2.4.20” at the end of that section and replacing it with phrase “sections 2.4.20 and 2.4.20A”.
  1. Section 7.10.1(b) of the Distribution System Code is amended by deleting the reference to section “2.7” and replacing it with a reference to section “2.7.1A”.

(144-G320)

Ontario Energy Board

Notice of Low-Income Customer Service Amendments to the Retail Settlement Code March 30, 2011

Amendments Adopted to the Retail Settlement Code as consolidated January 1, 2011

Note: The text of the adopted amendments is set out in italics below, for ease of identification only.

  1. Section 1.2 of the Retail Settlement Code is amended to add the following definitions:

    eligible low-income customer” means:

    1. a residential electricity customer who has a pre-tax household income at or below the most recent pre-tax Low Income Cut-Off, according to Statistics Canada, plus 15%, taking into account family size and community size, as qualified by a Social Service Agency or Government Agency; or
    2. a residential electricity customer who has been qualified for Emergency Financial Assistance.

    Emergency Financial Assistance” means any Board-approved emergency financial assistance program made available by a distributor to eligible low-income residential customers.

    “Social Service Agency or Government Agency” means:

    1. a social service agency or government agency that partners with a given distributor to assess eligibility for Emergency Financial Assistance; or
    2. a social service agency or government agency that assesses eligibility for other energy financial assistance or low-income financial assistance programs, and partners with a given distributor to qualify customers for eligibility under this Code.
  1. Section 1.3 of the Retail Settlement Code is amended by adding the number “1.3.1” immediately before the word “Unless” and by adding the following sections:

      1.3.2  For the purposes of the definition of ”eligible low-income customer” in section 1.2 of this Code, a residential electricity customer who has been qualified as an eligible low-income customer shall remain an eligible low-income customer for a period of 2 years from the date on which he or she was so qualified.

      1.3.3  A customer shall be treated as an eligible low-income customer for the purposes of this Code once the customer has been qualified as an eligible low-income customer according to the definition in section 1.2 of this Code or has identified himself or herself as provided under section 1.3.2 of this Code.

  1. Section 1.7 of the Retail Settlement Code is amended by deleting the final sentence of the section and replacing it with the following sentence:

    The amendments to sections 1.2 (definition of “customer”) and 7.7 come into force on April 1, 2011.

      and by adding the following paragraph at the end of that section:

    The amendments to sections 1.2 (definitions of “eligible low-income customer”, “Emergency Financial Assistance” and “Social Service Agency or Government Agency”), 1.3.1, 1.3.2, 1.3.3, 7.7.4.1 and 7.7.4.2 come into force on October 1, 2011.

  1. Section 7.7 of the Retail Settlement Code is amended by adding the following sections:

      7.7.4.1  Where a distributor issues a bill to a customer for an under-billed amount, the distributor shall notify the customer that, if the customer is an eligible low-income customer, he or she has the option of paying the under-billed amount as follows:

    1. in accordance with section 7.7.4; or
    2. over a period of 10 months where the under-billed amount is less than twice the customer’s average monthly billing andover a period of 20 months where the under-billed amount equals or exceeds twice the customer’s average monthly billing;

      7.7.4.2  For the purposes of section 7.7.4.1, the distributor may notify the customer by way of bill insert, bill message, letter or outgoing telephone message.

  1. Section 7.7.5 of the Retail Settlement Code is deleted and replaced with the following section:

      7.7.5  For the purposes of sections 7.7.1, 7.7.2 and 7.7.4.1, the customer’s or retailer’s average monthly billing amount shall be calculated by taking the aggregate of the total electricity charges billed to the customer or retailer in the most recent 12 months, including adjustment for the impact of any known billing error(s), and dividing that value by 12. If the customer has been receiving service from a distributor for less than 12 months, the customer’s average monthly billing amount shall be based on a reasonable estimate made by the distributor. For the purposes of this section, “electricity charges” has the same meaning as in section 2.6.6.3 of the Distribution System Code, subject to any adjustments necessary to take into account other electricity-related charges billed to non-residential customers.

Ontario Energy Board

Notice of Low-Income Customer Service Amendments to the Standard Supply Service Code March 30, 2011

Amendments Adopted to the Standard Supply Service Code as consolidated January 1, 2011

Note: The text of the adopted amendments is set out in italics below, for ease of identification only.

  1. Section 1.2 of the Standard Supply Service Code is amended to add the following definitions:

    eligible low-income customer” means:

    1. a residential electricity customer who has a pre-tax household income at or below the pre-tax Low Income Cut-Off, according to Statistics Canada, plus 15%, taking into account family size and community size, as qualified by a Social Service Agency or Government; or
    2. a residential electricity customer who has been qualified for Emergency Financial Assistance;

    Emergency Financial Assistance” means any Board-approved emergency financial assistance program made available by a distributor to eligible low-income residential customers;

    “Social Service Agency or Government Agency” means:

    1. a social service agency or government agency that partners with a given distributor to assess eligibility for Emergency Financial Assistance; or
    2. a social service agency or government agency that assesses eligibility for other energy financial assistance or low-income financial assistance programs, and partners with a given distributor to qualify customers for eligibility under this Code;
  1. Section 1.3 of the Standard Supply Service Code is amended by replacing the number “1.3.2” with the number “1.3.4”, by replacing the number “1.3.3” with the number “1.3.5” and by adding the following sections:

      1.3.2  For the purposes of the definition of ”eligible low-income customer” in section 1.2 of this Code, a residential electricity customer who has been qualified as an eligible low-income customer shall remain an eligible low-income customer for a period of 2 years from the date on which he or she was so qualified.

      1.3.3  A customer shall be treated as an eligible low-income customer for the purposes of this Code once the customer has been qualified as an eligible low-income customer according to the definition in section 1.2 of this Code or has identified himself or herself as provided under section 1.3.2 of this Code.

  1. Section 1.6 of the Standard Supply Service Code is amended as follows:

    • by adding the following sentence at the end of section 1.6.4:

      The further revisions to sections 2.6.2(a) to (e) and 2.6.2A come into force on October 1, 2011.

      and

    • by adding the following section:

      1.6.5 The amendments to sections 1.2 (definitions of “eligible low-incomecustomer”, “Emergency Financial Assistance” and “Social Service Agency and Government Agency”), 1.3.1, 1.3.2, 1.3.3, 1.3.4, 1.3.5, 2.6.2A, 2.6.2B and 2.6.2C come into force on October 1, 2011.

  1. Section 2.6.2 of the Standard Supply Service Code is amended as follows:

    • by deleting sections 2.6.2 (a) to (d) and replacing them with the following sections:

        2.6.2  Where the billing cycle of the distributor is monthly, a distributor shall offer to all residential customers receiving standard supply either an equal monthly payment plan option or an equal monthly billing plan option in accordance with the requirements set out in section 2.6.2B. Where the billing cycle of the distributor is less frequently than monthly, a distributor shall offer an equal monthly payment plan option to all residential customers receiving standard supply service.

      The above equal monthly payment plan option shall meet the following minimum requirements:

      1. a distributor may only refuse to provide an equal monthly payment plan option to a customer that is in arrears on payment to the distributor for electricity charges, as defined in the Distribution System Code, and that has not entered into an arrears payment agreement with the distributor as referred to in the Distribution System Code;
      2. a residential customer requesting an equal monthly payment plan shall agree to pre-authorized automatic monthly payment withdrawals and the distributor may require that the withdrawals occur from the customer’s account with a financial institution;
      3. despite any other code issued by the Board, the equal payment plan option offered to a residential electricity customer shall provide for the customer to make equalized payments on a monthly basis and shall make provision for the customer to select from at least two dates within the month on which the monthly equalized payment is due and the pre-authorized payment is withdrawn from the customer’s account with a financial institution;
      4. a distributor may issue its bill to a residential customer on a monthly equal payment plan on a monthly, bi-monthly, quarterly or annual basis;
    • by deleting the reference to “paragraph (f)” in section 2.6.2(e) is and replacing it with a reference to “section 2.6.2(f)”;
    • by deleting section 2.6.2A and replacing it with the following section:

        2.6.2A   For the purposes of section 2.6.2:

      1. A customer’s average monthly billing amount shall be calculated by taking the aggregate of the total electricity charges billed to the customer in the preceding 12 months and dividing that value by 12. If the customer has been receiving service from a distributor for less than 12 months, the customer’s average monthly billing amount shall be based on a reasonable estimate made by the distributor. For the purposes of this section, “electricity charges” has the same meaning as in section 2.6.6.3 of the Distribution System Code.
      2. Where a residential customer requests equal payment or equal billing, the equalized monthly payment or billing amount shall include all “electricity charges” as defined in section 2.6.6.3 of the Distribution System Code.

      and

    • by adding the following sections after section 2.6.2A:

        2.6.2B   Where a distributor currently bills on a monthly or bi-monthly basis, it must offer an eligible-low income customer receiving standard supply service the option of entering into an equalized billing plan. The equal billing option offered shall meet the following minimum requirements:

      1. where the customer is currently billed monthly, the equal billing plan offered shall be billed monthly and where the customer is currently billed bi-monthly, the equal billing plan that shall be offered may be billed bi-monthly or monthly;
      2. a distributor may only refuse to provide an equal billing plan option to a customer that is in arrears on payment to the distributor for electricity charges, as defined in the Distribution System Code, and that has not entered into an arrears payment agreement with the distributor as referred to in the Distribution System Code;
      3. despite any other code issued by the Board, the equal billing plan option offered to an eligible low-income customer shall provide for the customer to make equalized bill payments on a monthly or bi-monthly basis, as the case may be under section 2.6.2B(a), and shall make provision for the customer to select from at least two dates within the applicable month on which the equalized bill payment is due;
      4. subject to section 2.6.2B(e), the equal billing plan shall provide for annual reconciliation of the plan as follows:
        1. while a customer may join an equal billing plan at any time during the calendar year, the distributor is only required to reconcile all of its equal billing plans once during the calendar year and not on the 12th month anniversary since each individual customer joined the plan;
        2. in the first year of an equal billing plan and where the customer has been on the plan for less than 12 months, the customer may receive a reconciliation earlier than the 12th month anniversary, as a result of subsection i);
        3. while a distributor is only required to reconcile equal billing plans on an annual basis, a distributor shall review its equal billing plans quarterly or semi-annually and adjust the equal monthly or bi-monthly amounts in the event of material changes in a customer’s electricity consumption or a customer’s electricity charges as defined in section 2.6.2C(b);
        4. where the annual reconciliation demonstrates that funds are owing to the customer in an amount that is less than the customer’s average monthly billing amount, the distributor shall credit the amount to the customer’s account;
        5. where the annual reconciliation demonstrates that funds are owing to the customer in an amount that is equal to or exceeds the customer’s average monthly billing amount, the distributor shall credit the amount to the customer’s account and advise the customer that the customer may contact the distributor within 10 days of the date of the bill to request refund of the overpayment by cheque instead and the distributor shall make payment within 11 days of the customer’s request;
        6. where the annual reconciliation demonstrates that funds are owing by the customer in an amount that is less than the customer’s average monthly billing amount, the distributor may collect the full amount owed by a corresponding charge on the final bill issued to the customer under the annual equal billing plan; and
        7. where the annual reconciliation demonstrates that funds are owing by the customer in an amount that is equal to or exceeds the customer’s average monthly billing, the distributor shall roll over the balance due to the following year’s equal billing plan and recover the balance over the first 10 months (in the case of bi-monthly equal billing plans) or 11 months (in the case of monthly equal billing plans) of the following year’s equal billing plan; and
      5. where a customer leaves the equal billing plan for any reason, the distributor shall conduct a reconciliation and shall include any funds owing by or to the customer as a charge or credit on the next regularly scheduled bill issued to the customer;
      6. where 2 or more years have passed since a residential customer was qualified as an eligible low-income customer and the distributor wishes to cancel a low-income customer equal billing plan provided to the customer, then the distributor shall notify the customer at least two billing cycles before any such cancellation occurs; and
      7. the notification under section 2.6.2B(f) shall provide the customer with details on how to obtain further information about the options available to replace his or her current low-income equal billing plan.

        2.6.2C  For the purposes of section 2.6.2B:

      1. A customer’s average monthly billing amount shall be calculated by taking the aggregate of the total electricity charges billed to the customer in the preceding 12 months and dividing that value by 12. If the customer has been receiving service from a distributor for less than 12 months, the customer’s average monthly billing amount shall be based on a reasonable estimate made by the distributor. For the purposes of this section, “electricity charges” has the same meaning as in section 2.6.6.3 of the Distribution System Code.
      2. Where a customer requests equal billing, the equalized monthly or bi-monthly billing amount shall include all “electricity charges” as defined in section 2.6.6.3 of the Distribution System Code.

(144-G322)