THE ALBERTA GAZETTE,

PART I, SEPTEMBER 30, 1998

The Alberta Gazette

PART 1

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Vol. 94 EDMONTON, WEDNESDAY, SEPTEMBER 30, 1998 No. 18

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PROCLAMATION

[GREAT SEAL]

CANADA

PROVINCE OF ALBERTA H.A. "Bud" Olson, Lieutenant

Governor.

ELIZABETH THE SECOND, by the Grace of God, of the United Kingdom, Canada,

and Her Other Realms and Territories, QUEEN, Head of the Commonwealth,

Defender of the Faith

P R O C L A M A T I O N

To all to Whom these Presents shall come GREETING

Doug Rae, Acting Deputy Minister of Justice and

Acting Deputy Attorney General.

WHEREAS

section 4 of the Amusements Amendment Act, 1998 provides that that

Act comes into force on Proclamation; and

WHEREAS it is expedient to proclaim the Amusements Act, 1998 in force:

NOW KNOW YE THAT by and with the advice and consent of Our Executive

Council of Our Province of Alberta, by virtue of the provisions of the said

Act hereinbefore referred to and of all other power and authority

whatsoever in Us vested in that behalf, We have ordered and declared and do

hereby proclaim the Amusements Amendment Act, 1998 in force on October 1,

IN TESTIMONY WHEREOF We have caused these Our Letters to be made Patent and

the Great Seal of Our Province of Alberta to be hereunto affixed.

WITNESS: THE HONOURABLE H. A. "BUD" OLSON, Lieutenant Governor of Our

Province of Alberta, in Our City of Edmonton in Our Province of Alberta,

this 16th day of September in the Year of Our Lord One Thousand Nine

Hundred and Ninety-eight and in the Forty-seventh Year of Our Reign.

BY COMMAND Jon Havelock,

Provincial Secretary.

PROCLAMATION

[GREAT SEAL]

CANADA

PROVINCE OF ALBERTA H.A. "Bud" Olson, Lieutenant

Governor.

ELIZABETH THE SECOND, by the Grace of God, of the United Kingdom, Canada,

and Her Other Realms and Territories, QUEEN, Head of the Commonwealth,

Defender of the Faith

P R O C L A M A T I O N

To all to Whom these Presents shall come GREETING

Doug Rae, Acting Deputy Minister of Justice and

Acting Deputy Attorney General.

WHEREAS

section 17 of the Limitations Act provides that that Act comes into

force on Proclamation; and

WHEREAS it is expedient to proclaim the Limitations Act in force:

NOW KNOW YE THAT by and with the advice and consent of Our Executive

Council of Our Province of Alberta, by virtue of the provisions of the said

Act hereinbefore referred to and of all other power and authority

whatsoever in Us vested in that behalf, We have ordered and declared and do

hereby proclaim the Limitations Act in force on March 1, 1999.

IN TESTIMONY WHEREOF We have caused these Our Letters to be made Patent and

the Great Seal of Our Province of Alberta to be hereunto affixed.

WITNESS: THE HONOURABLE H. A. "BUD" OLSON, Lieutenant Governor of Our

Province of Alberta, in Our City of Edmonton in Our Province of Alberta,

this 16th day of September in the Year of Our Lord One Thousand Nine

Hundred and Ninety-eight and in the Forty-seventh Year of Our Reign.

BY COMMAND Jon Havelock,

Provincial Secretary.

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RESIGNATIONS, RETIREMENTS AND APPOINTMENTS

RETIREMENT OF PROVINCIAL COURT JUDGE & APPOINTMENT OF SUPERNUMERARY JUDGE

(Provincial Court Judges Act)

The Honourable Judge J.P. Wambolt of the Provincial Court of Alberta in

Medicine Hat retired on August 31, 1998, and was appointed as a

Supernumerary Judge, effective September 1, 1998 for a period of two years.

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SUPERNUMERARY JUDGE APPOINTED

(Provincial Court Judges Act)

May 12, 1998

The Honourable Judge J.G. Bradburn of the Provincial Court - Family & Youth

Division in Edmonton

May 30, 1998

The Honourable Judge J.P. Jorgensen of the Provincial Court - Family &

Youth Division in Edmonton

June 1, 1998

The Honourable Judge F.W. Coward of the Provincial Court of Alberta in

Lethbridge

June 21, 1998

The Honourable Judge D.P. MacNaughton of the Provincial Court of Alberta in

Red Deer

July 27, 1998

The Honourable Judge P.C.C. Marshall of the Provincial Court of Alberta in

Edmonton

The above appointments are for a period of two years from the date

stated.

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ORDERS IN COUNCIL

PROVINCIAL PARKS ACT

O.C. 353/98

Approved and ordered:

H.A. "Bud" Olson

Lieutenant Governor.

Edmonton, August 26, 1998

The Lieutenant Governor in Council makes the Provincial Recreation Areas

Amendment Order.

Stockwell Day, Acting Chair.

APPENDIX

Provincial Parks Act

PROVINCIAL RECREATION AREAS AMENDMENT ORDER

1 The Provincial Recreation Areas Order (O.C. 390/97) is amended by

this Order.

2 Sections 9, 17, 29, 46, 57, 68 and 86 are repealed.

3 Schedules 9, 17, 29, 46, 57, 68 and 86 are repealed.

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O.C. 354/98

Approved and ordered:

H.A. "Bud" Olson

Lieutenant Governor.

Edmonton, August 26, 1998

The Lieutenant Governor in Council designates the land described in the

attached Appendix as a provincial park to be known as Whitehorse Wildland

Provincial Park.

Stockwell Day, Acting Chair.

APPENDIX

WHITEHORSE WILDLAND PROVINCIAL PARK

FIRSTLY:

All those parcels or tracts of land, situate, lying and being in the

partially surveyed forty-fifth (45) township, in the twenty-second

(22) range, west of the fifth (5) meridian, in the Province of Alberta, Canada,

and being composed of:

All those portions of sections nineteen (19) and twenty (20) which lie

generally to the north of a trail, all those portions of the north half and

southwest quarter of

section twenty-one (21) which lie generally to the

north of the said trail, to the west of a north-south cut line and to the

south of an east-west cut line and all those portions of the south half and

north west quarter of

section twenty-nine (29) and

section thirty (30) of

the said township which lie generally to the south west of the said

east-west cut line, as shown upon a map or plan of record in the Department

of Environmental Protection at Edmonton as No. P0376 General.

SECONDLY:

All those parcels or tracts of land, situate, lying and being in the

partially surveyed forty-fifth (45) township, in the twenty-third

(23) range, west of the fifth (5) meridian, in the Province of Alberta, Canada,

and being composed of:

The north west quarter of

section fifteen (15), the north halves of

sections sixteen (16) and seventeen (17), the north east quarter and legal

subdivisions eleven (11), thirteen (13) and fourteen (14) of

section

eighteen (18), sections nineteen (19) to twenty-two (22) inclusive,

sections twenty-five (25) and twenty-six (26), the south halves of sections

twenty-seven (27), twenty-eight (28) and twenty-nine (29),

section thirty

(30), all those portions of the north west quarter of

section fourteen (14)

and the north east quarter of the said

section fifteen (15) which lie

generally to the north west of a north-south cut line, all that portion of

section twenty-three (23) which lies generally to the north west of the

said north-south cut line and to the north of a trail and all that portion

of

section twenty-four (24) of the said township which lies generally to

the north of the said trail, as shown upon the said map or plan No. P0376

General.

THIRDLY:

All those parcels or tracts of land, situate, lying and being in what would

be if surveyed the forty-fifth (45) township, the twenty-fourth (24) range,

west of the fifth (5) meridian, in the Province of Alberta, Canada, and

being composed of:

Legal subdivisions fifteen (15) and sixteen (16) of

section twenty-three

(23), the north half and legal subdivisions one (1), seven (7) and eight

(8) of

section twenty-four (24),

section twenty-five (25), the north half

and south east quarter and legal subdivision six (6) of

section twenty-six

(26), the north half and south west quarter and legal subdivisions two (2),

seven (7) and eight (8) of

section twenty-seven (27), sections thirty-four

(34) and thirty-five (35), the south west quarter of

section thirty-six

(36) and all those portions of the north east quarter of

section twenty-one

(21), the north west quarter of

section twenty-two (22) and sections

twenty-eight (28) and thirty-three (33) of the said township lying

generally to the east of Jasper National Park boundary, as shown upon the

said map or plan No. P0376 General.

FOURTHLY:

All those parcels or tracts of land, situate, lying and being in the

partially surveyed forty-sixth (46) township, in the twenty-fourth

(24) range, west of the fifth (5) meridian, in the Province of Alberta, Canada,

and being composed of:

Sections three (3), eight (8) to ten (10) inclusive, thirteen (13) to

twenty-three (23) inclusive, twenty-six (26) to thirty-four (34) inclusive,

legal subdivisions twelve (12), thirteen (13) and fourteen (14) of

section

two (2), the north half and south east quarter of

section four (4), the

north half of

section seven (7), the west half and legal subdivisions two

(2), seven (7), ten (10), fifteen (15) and sixteen (16) of

section eleven

(11), legal subdivisions thirteen (13), fourteen (14) and fifteen (15) and

all those portions of legal subdivisions nine (9) and sixteen (16) of

section twelve (12) which lie generally to the north west of the said left

bank of Prospect Creek, the south west quarter of

section twenty-four (24)

and the south half and north west quarter of legal subdivision eleven (11),

legal subdivisions twelve (12) and thirteen (13), the north half and south

west quarter of legal subdivision fourteen (14), the north half of legal

subdivision fifteen (15), all that portion of the north east quarter of the

said legal subdivision eleven (11) which lies generally to the south of the

right bank of Whitehorse Creek and all that portion of the east half of the

said

section twenty-four (24) which lies generally to the south of the said

right bank of Whitehorse Creek and to the south west of the said westerly

limit of an unsurveyed roadway, the west half and the west half of the east

half of

section twenty-five (25), the south half and north west quarter of

section thirty-five (35), the south west quarter and legal subdivisions two

(2), seven (7), eight (8), twelve (12) and the south west quarters of legal

subdivisions eleven (11) and thirteen (13) of

section thirty-six (36), all

those portions of the south west quarter of the said

section four (4),

section five (5), the north east quarter of

section six (6) and the south

half of the said

section seven (7) lying generally to the north west of the

said Jasper National Park boundary and all that portion of the north east

quarter of the said

section thirty-five (35) of the said township which

lies generally to the south of the height of land, as shown upon the said

map or plan No. P0376 General.

FIFTHLY:

All those parcels or tracts of land, situate, lying and being in what would

be if surveyed the forty-sixth (46) township, the twenty-fifth (25) range,

west of the fifth (5) meridian in the Province of Alberta, Canada, and

being composed of:

Sections thirteen (13), fourteen (14), twenty-three (23) to twenty-six (26)

inclusive,

section thirty-six (36), the east halves of sections twenty-two

(22) and twenty-seven (27), the south east quarter of

section thirty-four

(34), the south half and north east quarter of

section thirty-five (35) and

all those portions of the north east quarter of

section ten (10), the north

half and south east quarter of

section eleven (11), sections twelve

(12) and fifteen (15), the west halves of the said sections twenty-two (22) and

twenty-seven (27), the east half of

section twenty-eight (28), the north

half and south west quarter of the said

section thirty-four (34) and the

north west quarter of the said

section thirty-five (35) of the said

township lying generally to the south and west of the said Jasper National

Park boundary, as shown upon the said map or plan No. P0376 General.

SIXTHLY:

All those parcels or tracts of land, situate, lying and being in what would

be if surveyed the forty-seventh (47) township, the twenty-fourth

(24) range, west of the fifth (5) meridian, in the Province of Alberta, Canada,

and being composed of:

The south halves of sections four (4) and five (5), the south east quarter

of

section six (6) and all those portions of the south halves of sections

one (1) and two (2), the south half and north west quarter of

section three

(3), the north halves of the said sections four (4) and five (5), the south

east quarter of

section eight (8) and the south half of

section nine (9)

which lie generally to the south of the height of land and all those

portions of the north half and south west quarter of the said

section six

(6) and the south east quarter of

section seven (7) of the said township

which lie generally to the east of the said Jasper National Park boundary

and to the south west of the said height of land, as shown upon the said

map or plan No. P0376 General.

SEVENTHLY

All that parcel or tract of land, situate, lying and being in what would be

if surveyed the forty-seventh (47) township, the twenty-fifth (25) range,

west of the fifth (5) meridian, in the Province of Alberta, Canada, and

being composed of:

All that portion of the south east quarter of

section one (1) of the said

township which lies generally to the south and east of the said Jasper

National Park boundary, as shown upon the said map or Plan No. P0376

General.

The lands herein described contain seventeen thousand four hundred

thirty-nine and eight hundred eighty-six thousandths (17,439.886) hectares

(43,093.37), more or less.

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O.C. 355/98

Approved and ordered:

H.A. "Bud" Olson

Lieutenant Governor.

Edmonton, August 26, 1998

The Lieutenant Governor in Council designates the land described in the

attached Appendix as a provincial park to be known as Young's Point

Provincial Park.

Stockwell Day, Acting Chair.

APPENDIX

Provincial Parks Act

YOUNG'S POINT PROVINCIAL PARK ORDER

1 The lands described in the

Schedule of Lands are designated as a

provincial park to be known as Young's Point Provincial Park.

2 This designation does not affect any rights, obligations or duties

under

(

a) a disposition within the meaning of the Public Lands Act,

(

b) a disposition within the meaning of the Mines and

Minerals Act, or

(

c) an estate or interest in land or any other interest in

respect of land arising under any other Act or regulation

where the disposition, estate or interest is in respect of land that

is located in the Park and the disposition, estate or interest is

subsisting on the effective date of this Order.

3 The Young's Point Provincial Park Order-in-Council 388/97 is

repealed.

SCHEDULE OF LANDS

YOUNG'S POINT PROVINCIAL PARK

FIRSTLY:

All those parcels or tracts of land, situate, lying, and being in the

seventieth (70) township, in the twenty-fourth (24) range, west of the

fifth (5) meridian, in the Province of Alberta, Canada, and being composed

of:

All those portions of the north east quarter of

section thirty-two (32),

the north half of

section thirty-three (33) and the north west quarter of

section thirty-four (34) of the said township, lying generally to the north

of the north shore line of Sturgeon Lake and not covered by any of the

waters of the said lake, containing thirty-three and two hundred

eighty-seven thousandths (33.287) hectares (82.25 acres), more or less.

SECONDLY:

All those parcels or tracts of land, situate, lying, and being in the

seventy-first (71) township, in the twenty-third (23) range, west of the

fifth (5) meridian, in the Province of Alberta, Canada, and being composed

of:

The west halves of sections seventeen (17) and twenty (20), the north half

and south east quarter of

section eighteen (18),

section nineteen (19) and

all those portions of the north half of

section seven (7), the north west

quarter of

section eight (8) and the south west quarter of the said

section

eighteen (18) of the said township, not covered by any of the waters of the

said Sturgeon Lake, containing eight hundred seventeen and two hundred

sixty-seven thousandths (817.267) hectares (2,019.44 acres), more or less.

THIRDLY:

All those parcels or tracts of land, situate, lying, and being in the

seventy-first (71) township, in the twenty-fourth (24) range, west of the

fifth (5) meridian, in the Province of Alberta, Canada, and being composed

of:

The north west quarter of

section two (2), the west halves of sections

eleven (11) and fifteen (15), sections thirteen (13), fourteen (14),

sixteen (16), twenty-one (21), twenty-two (22), twenty-four (24) and all

those portions of the west half of

section one (1), the east half of the

said

section two (2), the south west quarter of

section three (3), the east

half of the said

section eleven (11) and the north half of

section twelve

(12) of the said township, not covered by any of the waters of the said

Sturgeon Lake, containing two thousand two hundred twenty-seven and nine

hundred fourteen thousandths (2,227.914) hectares (5,505.10 acres), more or

less.

SAVING AND EXCEPTING:

(1) Two and thirty-five thousandths (2.035) hectares (5.03

acres), more or less, required for a surveyed roadway, as shown upon a plan

of survey of record in the Land Titles Office at Edmonton for the North

Alberta Land Registration District as No. 4989 L.Z.

(2) Seven hundred forty-nine thousandths (0.749) of a hectare

(1.85 acres), more or less, required for a surveyed roadway, as shown upon

a plan of survey of record in the said Land Titles Office as No. 762 0983.

(3) Two hundred seventy-nine thousandths (0.279) of a hectare

(0.69 of an acre), more or less, required for a surveyed roadway, as shown

upon a plan of survey of record in the said Land Titles Office as No. 912

(4) Three and four hundred thousandths (3.400) hectares (8.40

acres), more or less, required for a subdivision, as shown upon a plan of

survey of record in the said Land Titles Office as No. 972 1888.

The lands herein described contain three thousand seventy-two and five

thousandths (3,072.005) hectares (7,590.82 acres), more or less.

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O.C. 357/98

Approved and ordered:

H.A. "Bud" Olson

Lieutenant Governor.

Edmonton, August 26, 1998

The Lieutenant Governor in Council makes the West Castle Wetlands

Ecological Reserve Order set out in the attached Appendix.

Stockwell Day, Acting Chair.

APPENDIX

Wilderness Areas, Ecological Reserves and Natural Areas Act

WEST CASTLE WETLANDS ECOLOGICAL RESERVE ORDER

1 The land in the attached

Schedule of Lands is hereby designated as an

ecological reserve to be known as West Castle Wetlands Ecological Reserve.

SCHEDULE OF LANDS

WEST CASTLE WETLANDS ECOLOGICAL RESERVE

All that parcel or tract of land, situate, lying and being in what would be

if surveyed the fourth (4) township, the fourth (4) range, west of the

fifth (5) meridian, in the Province of Alberta, Canada, and being more

particularly described as follows:

Commencing at the intersection of the one thousand four hundred two (1,402)

metre (4,600 foot) contour line with the north boundary of legal

subdivision two (2) of

section thirty-six (36);

Thence westerly along the said north boundary of legal subdivision two

(2) to its intersection with the left bank of the West Castle River;

Thence southerly along the said left bank to its intersection with the

southerly limit of an unsurveyed roadway in the north east quarter of the

said legal subdivision two (2);

Thence southwesterly and westerly along the said southerly limit of the

roadway to its intersection with the easterly limit of secondary highway

No. 774;

Thence southerly along the said easterly limit of secondary highway No. 774

to its intersection with the north boundary of the south east quarter of

legal subdivision three (3) of the said

section thirty-six (36);

Thence westerly along the said north boundary of the south east quarter of

legal subdivision three (3) to its intersection with the said one thousand

four hundred two (1,402) metre (4,600 foot) contour line;

Thence southerly, northerly, southerly and northerly along the said contour

line to the point of commencement, as shown upon a map or plan of record in

the Department of Environmental Protection at Edmonton as No. P0377

General.

SAVING AND EXCEPTING:

All those portions of the described lands required for the said

secondary highway No. 774.

The lands herein described contain ninety-four and one hundred sixty

thousandths (94.160) hectares (232.67 acres), more or less.

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GOVERNMENT NOTICES

COMMUNITY DEVELOPMENT

NOTICE OF INTENTION TO DESIGNATE REGISTERED HISTORIC RESOURCE

(Historical Resources Act)

File No. Des 1665

Notice is hereby given that sixty days from the date of service of this

Notice, the Minister of Community Development intends to make an Order that

the building known as the Bruin Inn, together with the land legally

described as plan G, block 4, lot 73, excepting thereout all mines and

minerals, and municipally located at 24 Perron Street, St. Albert, Alberta

be designated a Registered Historic Resource under

section 15 of the

Historical Resources Act, R.S.A. 1980 c.H-8 as amended.

Dated September 11, 1998. Dr. W.J. Byrne, Assistant

Deputy Minister.

_______________

File No. Des 1970

Notice is hereby given that sixty days from the date of service of this

Notice, the Minister of Community Development intends to make an Order that

the building known as the Hester Apartments, together with the land legally

described as plan Calgary 5760GA, lot A, excepting thereout the easterly 3

feet of the said lot "A" which lies to the south of the northerly 25 feet

thereof, and municipally located at 1306-4 Street, S.W., Calgary, Alberta

be designated a Registered Historic Resource under

section 15 of the

Historical Resources Act, R.S.A. 1980 c.H-8 as amended.

Dated August 26, 1998. Mark Rasmussen, Assistant

Deputy Minister.

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ECONOMIC DEVELOPMENT

HOSTING EXPENSES EXCEEDING $600.00

For the quarter April 1 - June 1, 1998

Function: Tourism Marketing Consultations

Date: May 1998

Amount: $18,368.53

Purpose: To solicit input on the future of Tourism Marketing in Alberta.

Location: Edmonton, Alberta; Peace River, Alberta; Fort McMurray, Alberta;

Calgary, Alberta; Lethbridge, Alberta; Red Deer, Alberta

Function: Rendezvous Canada 1998 "Alberta Days" Luncheon

Date: May 11, 1998

Amount: $3,840.00

Purpose: To achieve awareness and support for the Alberta Advantage through

worldwide promotion.

Location: Quebec City, Quebec

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ENERGY

UNIT AGREEMENT

(Mines and Minerals Act)

Notice is hereby given, pursuant to

section 146 of the Mines and Minerals

Act, that the Minister of Energy on behalf of the Crown has executed

counterparts of the agreement entitled "Unit Agreement - Crossfield East

Elkton "G" Unit No. 1", and that the unit became effective on August

1,1998.

UNIT AGREEMENT

(Mines and Minerals Act)

Notice is hereby given, pursuant to

section 146 of the Mines and Minerals

Act, that the Minister of Energy on behalf of the Crown has executed

counterparts of the agreement entitled "Unit Agreement - Medicine River

Pekisko "B" Pool Unit" with respect to the Pekisko Formation in M5 R03

T040: 4N,SE,L3,L6; 8; and that the enlargement became effective August 1,

ENVIRONMENTAL PROTECTION

Alberta Fishery Regulations

Notice of Variation Order 28-98

Commercial Fishing Seasons

The close times and quotas set out in

Schedule 8 to the Alberta Fishery

Regulations in respect of the waters listed in the

Schedule to this Notice

have been varied by Variation Order 28-98 of the Director in accordance

with

section 3 of the Alberta Fishery Regulations.

Where fishing with gill nets is permitted during an open season established

by the Order, the gill net mesh size has been specified in the Order.

Pursuant to Variation Order 28-98 commercial fishing is permitted in

accordance with the following schedule.

SCHEDULE

PART 1

Item - 3.

Column 1 Waters - In respect of:

(1) Bourque Lake (66-4-W4)

Column 2 Gear - Trap net

Column 3 Open Time - 08:00 hours November 15, 1998 to 16:00 hours December

18, 1998.

Column 4 Species and Quota - 1) Lake whitefish: 4,550 kg; 2) Walleye: 1 kg;

3) Yellow perch: 1 kg; 4) Northern pike: 1 kg; 5) Tullibee: 3,000 kg; 6)

Lake trout: 1 kg

Column 1 Waters -

(3) Cold Lake (64-1-W4)

Column 2 Gear - Trap Net

Column 3 Open Time - 08:00 hours September 3, 1998 to 16:00 hours December

18, 1998.

Column 4 Species and Quota - 1) Lake whitefish: 20,000 kg; 2) Walleye: 1

kg; 3) Yellow perch: 1 kg; 4) Northern pike: 1 kg; 5) Tullibee: 1 kg; 6)

Lake trout: 1 kg

Column 1 Waters -

(17) All Other Waters

(1) Hilda Lake (63-3-W4)

Column 2 Gear - Trap Net

Column 3 Open Time - 08:00 hours October 21, 1998 to 16:00 hours October

30, 1998

Column 4 Species and Quota - 1) Lake whitefish: 1 kg; 2) Walleye: 1 kg; 3)

Yellow perch: 1 kg; 4) Northern pike: 1 kg; 5) Tullibee: 4,550 kg; 6) Lake

trout: 1 kg

Column 1 Waters -

(2) All Other Waters

Column 2 Gear - Trap Net

Column 3 Open Time - closed

Column 4 Species and Quota - 1) Lake whitefish: 1 kg; 2) Walleye: 1 kg; 3)

Yellow perch: 1 kg; 4) Northern pike: 1 kg; 5) Tullibee: 1 kg; 6) Lake

trout: 1 kg

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INTERGOVERNMENTAL AND ABORIGINAL AFFAIRS

Alberta's NAFTA Financial Services Reservations

NAFTA Annex VII(

A) Pursuant to the Alberta International Trade and Investment Agreements

Implementation Act (RSA 1980,

Chapter I-6.9, s.3), the Government of

Alberta, by Order in Council 17\96 on January 10, 1996, approved the North

American Free Trade Agreement (NAFTA). In the implementation of the NAFTA,

the Government of Alberta, pursuant to NAFTA

Article 1409, set out certain

non-conforming provincial measures in

Section A of the Canadian

schedule to

NAFTA Annex VII.

The NAFTA contains the following description of the contents of Annex VII,

and is included as an aid in the

interpretation of the Alberta

reservations.

Section A of the

Schedule of a Party sets out the reservations taken

by that Party, pursuant to

Article 1409(1) (Financial Services), with

respect to existing measures that do not conform with obligations imposed

by:

(

a) Article 1403 (Establishment of Financial Institutions);

(

b) Article 1404 (Cross-Border Trade);

(

c) Article 1405 (National Treatment);

(

d) Article 1406 (Most-Favored-Nation Treatment);

(

e) Article 1407 (New Financial Services and Data Processing); or

(

f) Article 1408 (Senior Management and Boards of Directors).

2. Each reservation in

Section A sets out the following elements:

(

a) Sector refers to the general sector in which the reservation is

taken;

(

b) Sub-Sector refers to the specific sector in which the

reservation is taken;

(

c) Industry Classification refers, where applicable, to the

activity covered by the reservation according to domestic industry

classification codes;

(

d) Type of Reservation specifies the obligation referred to in

paragraph 1 for which the reservation is taken;

(

e) Level of Government indicates the level of government

maintaining the measure for which the reservation is taken;

(

f) Measures identifies the laws, regulations or other measures, as

qualified by the Description element, for which the reservation is taken.

A measure cited in the Measures element

(

i) means the measure as amended, continued or renewed as of

the date of entry into force of this Agreement, and

(ii) includes any subordinate measure adopted or maintained

under the authority of and consistent with the measure;

(

g) Description sets out references, if any, for liberalization on

the date of entry into force of this Agreement pursuant to other sections

of a Party's

Schedule to this Annex, and the remaining non-conforming

aspects of the existing measures for which the reservation is taken; and

(

h) Phase-Out sets out commitments, if any, for liberalization

after the date of entry into force of this Agreement.

3. In the

interpretation of a reservation, all elements of the

reservation shall be considered. A reservation shall be interpreted in the

light of the relevant provisions of the

Chapter against which the

reservation is taken. To the extent that:

(

a) the Phase-Out element provides for the phasing out of the

non-conforming aspects of measures, the Phase-Out element shall prevail

over all other elements;

(

b) the Measures element is qualified by a specific reference in

the Description element, the Measures element as so qualified shall prevail

over all other elements; and

(

c) the Measures element is not so qualified, the Measures element

shall prevail over all other elements, unless any discrepancy between the

Measures element and the other elements considered in their totality is so

substantial and material that it would be unreasonable to conclude that the

Measures element should prevail, in which case the other elements shall

prevail to the extent of that discrepancy.

Section B of the

Schedule of a Party sets out reservations taken by

the Party, pursuant to

Article 1409(2), for measures the Party may adopt or

maintain that do not conform with obligations imposed by

Article 1403,

1404, 1405, 1406, 1407 or 1408.

Section C of the

Schedule of a Party sets out the commitments to

liberalize measures undertaken by that Party pursuant to

Article 1409(3).

6. For purposes of this Annex:

CMAP means Clasificaci¢n Mexicana de Actividades y Productos (CMAP) numbers

as set out in Instituto Nacional de Estad¡stica, Geograf¡a e Inform tica,

Clasificaci¢n Mexicana de Actividades y Productos, 1988;

CPC means Central Product Classification (CPC) numbers as set out in

Statistical Office of the United Nations, Statistical Papers, Series M, No.

77, Provisional Central Product Classification, 1991; and

SIC means:

(

a) with respect to Canada, Standard Industrial Classification

(SIC) number as set out in Statistics Canada, Standard Industrial

Classification, fourth edition, 1980; and

(

b) with respect to the United States, Standards Industrial

Classification (SIC) numbers as set out in the United States Office of

Management and Budget, Standard Industrial Classification Manual, 1987.

These reservations were formally filed with the NAFTA countries on January

1, 1994, and are published here for transparency purposes.

Sector: Finance and Insurance Industries

Sub-Sector: Deposit Accepting Intermediary Industries

Industry Classification: 703 Trust Companies

Type of Reservation: Senior Management and Boards of Directors (Article 1408)

Level of Government: Provincial - Alberta

Measures: Loan and Trust Corporations Act, R.S.A. 1980, c. L-26.5

Description: At least 3/4 of the directors of a provincial corporation

(a corporation incorporated or continued under the Loan and Trust

Corporations Act) must be ordinarily resident in Canada.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Deposit Accepting Intermediary Industries

Industry Classification: 705 - Credit Unions

Type of Reservation: Establishment of Financial Institutions

(Article 1403)

National Treatment (Article 1405)

Senior Management and Boards of Directors (Article 1408)

Level of Government: Provincial - Alberta

Measures: Credit Union Act, R.S.A. 1980., c. C-31.1

Description: Only Alberta residents can incorporate a credit union in

Alberta.

A director of a credit union must be a Canadian citizen or a person

who has been lawfully admitted into Canada for permanent residence.

3/4 of the directors of a credit union must at all times be

ordinarily resident in Alberta.

Business powers of extra-provincial credit unions are limited to

taking the steps necessary to collect or enforce an obligation owed to it

as a result of a transaction conducted in and under the laws of another

jurisdiction.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Investment Intermediary Industries

Industry Classification: 721 - Portfolio Investment Intermediaries

Type of Reservation: Cross-Border Trade (Article 1404)

Level of Government: Provincial - Alberta

Measures: National Policy Statement No. 39,

Section 7 (policy statement

issued by all of the securities regulatory authorities in Canada)

Description: Mutual funds that offer securities in Canada must use a

custodian resident in Canada. A non-resident custodian may be used if it

has shareholders' equity of at least $100 million.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Investment Intermediary Industries

Other Financial Intermediary Industries

Industry Classification: 721 - Portfolio Investment Intermediaries

741 - Securities Brokers and Dealers

743 - Securities and Commodities Exchanges

Type of Reservation: Cross-Border Trade (Article 1404)

Level of Government: Provincial - Alberta

Measures: Securities Act, S.A. 1981, c. S-6.1, as am.

Description: Any person or company trading in securities or exchange

contracts (commodities) must be registered, unless an exemption is

available. Trades in securities and exchange contracts made through a

dealer registered in Alberta are exempted. No exemption is available for

trades in securities made through dealers operating on a cross-border

basis. Trades in exchange contracts resulting from an unsolicited order

placed with an individual who is not a resident of, and does not carry on

business, in Alberta are exempt.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Other Financial Intermediary Industries

Industry Classification: 742 - Mortgage Brokers

Type of Reservation: Establishment of Financial Institutions (Article

1403)

National Treatment (Article 1405)

Level of Government: Provincial - Alberta

Measures: Mortgage Brokers Regulation Act, R.S.A. 1980, c. M-19

Description: Individuals must be Alberta resident and resident of

Canada for not less than 3 months to be registered.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Insurances Industries

Industry Classification: 731 - Life Insurers

732 - Deposit Insurers

733 - Property and Casualty Insurers

Type of Reservation: National Treatment (Article 1405)

Level of Government: Provincial - Alberta

Measures: Insurance Act, R.S.A. 1980, c.I-5

Description: A guarantee fund must be maintained in a minimum amount

of $50,000, except:

when a fire insurance exchange has a principal office in Alberta, the

minimum size of the guarantee fund is reduced to $2,000, and when an

automobile insurance exchange has a principal office in Alberta the minimum

size of the guarantee fund is reduced to $10,000 for the first year of

operation and $25,000 thereafter.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Investment Intermediary Industries

Other Financial Intermediary Industries

Industry Classification: 721 - Portfolio Investment Intermediaries

741 - Securities Brokers and Dealers

743 - Securities and Commodities Exchanges

Type of Reservation: Senior Management and Boards of Directors (Article

1408)

Level of Government: Provincial - Alberta

Measures: Securities Act, S.A. 1981, c. S-6.1, as am.

Description: Registration may be refused to a company if a director

has not been a resident of Canada for at least a year immediately prior to

the date of application, or has been registered for at least a year under

the laws of another jurisdiction.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Investment Intermediary Industries

Other Financial Intermediary Industries

Industry Classification: 721 - Portfolio Investment Intermediaries

741 - Securities Brokers and Dealers

743 - Securities and Commodities Exchanges

Type of Reservation: Establishment of Financial Institutions (Article

1403)

National Treatment (Article 1405)

Level of Government: Provincial - Alberta

Measures: Securities Act, S.A. 1981, c. S-6.1, as am.

Description: An individual applicant for registration is required to

have been a resident of Canada for at least one year prior to the

application and a resident of Alberta on the date of the application.

Phase-Out: None

Sector: Finance and Insurance Industries

Sub-Sector: Insurances Industries

Industry Classification: 731 - Life Insurers

732 - Deposit Insurers

733 - Property and Casualty Insurers

Type of Reservation: Establishment of Financial Institutions (Article

1403)

National Treatment (Article 1405)

Level of Government: Provincial - Alberta

Measures: Insurance Act, R.S.A. 1980, c.I-5

Description: No licensed insurer shall insure a risk in Alberta unless

the risk has been approved by an agent of the insurer who is resident in

Alberta and who holds a certificate of authority from the Superintendent.

The resident agent shall sign the policies, make a record of

them and receive a portion of the commission paid in respect of the risk

situated in Alberta.

Phase-Out: None

_______________

Alberta's NAFTA Qualitative Restrictions Reservations

NAFTA Annex V

Pursuant to the Alberta International Trade and Investment Agreements

Implementation Act (RSA 1980,

Chapter I-6.9, s. 3), the Government of

Alberta, by Order in Council 17\96 on January 10, 1996, approved the North

American Free Trade Agreement (NAFTA). In the implementation of the NAFTA,

the Government of Alberta, pursuant to NAFTA

Article 1207, set out certain

non-conforming provincial measures in the Canadian

schedule to NAFTA Annex

The NAFTA contains the following description of the contents of Annex V,

which is included as an aid in the

interpretation of the Alberta

reservations.

1. The

Schedule of a Party sets out the non-discriminatory quantitative

restrictions maintained by that Party pursuant to

Article 1207.

2. Each entry sets out the following elements:

(

a) Sector refers to the general sector in which the quantitative

restriction is maintained;

(

b) Sub-Sector refers to the specific sector in which the

quantitative restriction is maintained;

(

c) Industry Classification refers, where applicable, to the

activity covered by the quantitative restriction according to domestic

industry classification codes;

(

d) Level of Government indicates the level of government

maintaining the quantitative restriction;

(

e) Measures identifies the measures under which the quantitative

restriction is maintained; and

(

f) Description sets out the scope of the sector, sub-sector or

activities covered by the quantitative restriction.

3. For purposes of this Annex:

CMAP means Clasificaci¢n Mexicana de Actividades y Productos (CMAP) numbers

as set out in Instituto Nacional de Estad¡stica, Geograf¡a e Inform tica,

Clasificaci¢n Mexicana de Actividades y Productos, 1988;

CPC means Central Product Classification (CPC) numbers as set out in

Statistical Office of the United Nations, Statistical Papers, Series M, No.

77, Provisional Central Product Classification, 1991; and

SIC means:

(

a) with respect to Canada, Standard Industrial Classification

(SIC) numbers as set out in Statistics Canada, Standard Industrial

Classification, fourth edition, 1980; and

(

b) with respect to the United States, Standard Industrial

Classification (SIC) numbers as set out in the United States Office of

Management and Budget, Standard Industrial Classification Manual, 1987.

These reservations were formally filed with the NAFTA countries on January

1, 1995, and are published here for transparency purposes.

Sector: Business Service Industries

Sub-Sector: Advertising Services

Industry Classification: 7741 Advertising Services

7742 Media Representatives

7749 Other Advertising Services

7799 Other Business Services (n.e.c.)

Level of Government: Provincial (Alberta)

Measures: Public Contributions Act, R.S.A. 1981, c. P-26

Description: Approval by a municipal approving authority or the

provincial Director is required prior to anyone undertaking charitable

campaign within the Province. Approving authorities may refuse approval

based on the number of charitable campaigns

Sector: Wholesale Trade Industries

Sub-Sector: Food, Beverage, Drig and Tobacco Industries, Wholesale

Industry Classification: 5212 Frozen Foods (packaged) Wholesale

5215 Fish and Serafood, Wholesale

Level of Government: Provincial (Alberta)

Measures: Fish Marketing Act, R.S.A. 1980, c. F-12

Description: Freshwater Fish Marketing Corporation has the exclusive

right to buy, distribute and market fish in Alberta.

Phase-Out: None

Sector: Other Utility Industries

Sub-Sector: Electric Power Systems Industry

Industry Classification: 4911 Electric Power Systems Industry

Level of Government: Provincial (Alberta)

Measures: Hydro and Electric Energy Act, R.S.A. 1980, c. H-13

Description: No person may construct or operate an electric

distribution system without Approval of the Board. The Board must be

satisfied that it is in the public interest to give such approval having

regard to the present and future need for the extension of electric service

and other factors. The approval by the Board must include a designation of

a service area.

_______________

Alberta's NAFTA Investment and Cross-Border

Trade in Services Reservations

NAFTA Annex I

Pursuant to the Alberta International Trade and Investment Agreements

Implementation Act (RSA 1980,

Chapter I-6.9, s.3), the Government of

Alberta, by Order in Council 17\96 on January 10, 1996, approved the North

American Free Trade Agreement (NAFTA). In the implementation of the NAFTA,

the Governments of Canada, United States of America, and the United Mexican

States agreed to the following reservation for provincial and territorial

measures on March 29, 1996, pursuant to NAFTA Articles 1108 and 1206:

Sector: All Sectors

Sub-Sector:

Industry Classification:

Type of Reservation: National Treatment (1102,1202)

Most-Favoured Nation Treatment (1103, 1203)

Local Presence

(1205) Performance Requirements

(1106) Senior Management and Boards of Directors

(1107) Level of Government: Provincial

Measures: All existing non-conforming measures of

all provinces and territories

Description:

Phase-Out: None

The NAFTA contains the following description of the contents of Annex I,

which is included as an aid in the

interpretation of this reservation:

1. The

Schedule of a Party sets out, pursuant to Articles 1108(1)

(Investment), 1206(1) (Cross-Border Trade in Services) and 1409(4)

(Financial Services), the reservations taken by that Party with respect to

existing measures that do not conform with obligations imposed by:

(

a) Article 1102, 1202 or 1405 (National Treatment),

(

b) Article 1103, 1203 or 1406 (Most-Favored-Nation Treatment),

(

c) Article 1205 (Local Presence),

(

d) Article 1106 (Performance Requirements), or

(

e) Article 1107 (Senior Management and Boards of Directors),

and, in certain cases, sets out commitments for immediate or future

liberalization.

2. Each reservation sets out the following elements:

(

a) Sector refers to the general sector in which the reservation is

taken;

(

b) Sub-Sector refers to the specific sector in which the

reservation is taken;

(

c) Industry Classification refers, where applicable, to the

activity covered by the reservation according to domestic industry

classification codes;

(

d) Type of Reservation specifies the obligation referred to in

paragraph 1 for which a reservation is taken;

(

e) Level of Government indicates the level of government

maintaining the measure for which a reservation is taken;

(

f) Measures identifies the laws, regulations or other measures, as

qualified, where indicated, by the Description element, for which the

reservation is taken. A measure cited in the Measures element

(

i) means the measure as amended, continued or renewed as of

the date of entry into force of this Agreement, and

(ii) includes any subordinate measure adopted or maintained

under the authority of and consistent with the measure;

(

g) Description sets out commitments, if any, for liberalization on

the date of entry into force of this Agreement, and the remaining

non-conforming aspects of the existing measures for which the reservation

is taken; and

(

h) Phase-Out sets out commitments, if any, for liberalization

after the date of entry into force of this Agreement.

3. In the

interpretation of a reservation, all elements of the

reservation shall be considered. A reservation shall be interpreted in the

light of the relevant provisions of the Chapters against which the

reservation is taken. To the extent that:

(

a) the Phase-Out element provides for the phasing out of

non-conforming aspects of measures, the Phase-Out element shall prevail

over all other elements;

(

b) the Measures element is qualified by a liberalization

commitment from the Description element, the Measures element as so

qualified shall prevail over all other elements; and

(

c) the Measures element is not so qualified, the Measures element

shall prevail over all other elements, unless any discrepancy between the

Measures element and the other elements considered in their totality is so

substantial and material that it would be unreasonable to conclude that the

Measures element should prevail, in which case the other elements shall

prevail to the extent of that discrepancy.

4. Where a Party maintains a measure that requires that a service

provider be a citizen, permanent resident or resident of its territory as a

condition to the provision of a service in its territory, a reservation for

that measure taken with respect to

Article 1202, 1203 or 1205 or

Article

1404, 1405 or 1406 shall operate as a reservation with respect to

Article

1102, 1103 or 1106 to the extent of that measure.

5. For purposes of this Annex:

CMAP means Clasificaci¢n Mexicana de Actividades y Productos (CMAP) numbers

as set out in Instituto Nacional de Estad¡stica, Geograf¡a e Inform tica,

Clasificaci¢n Mexicana de Actividades y Productos, 1988;

concession means an authorization provided by the State to a person to

exploit a natural resource or provide a service, for which Mexican

nationals and Mexican enterprises are granted priority over foreigners;

CPC means Central Product Classification (CPC) numbers as set out in

Statistical Office of the United Nations, Statistical Papers, Series M, No.

77, Provisional Central Product Classification, 1991;

foreigners' exclusion clause means the express provision in an enterprise's

by-laws stating that the enterprise shall not allow foreigners, directly or

indirectly, to become partners or shareholders of the enterprise;

international cargo means goods that have an origin or destination outside

the territory of a Party;

Mexican enterprise means an enterprise constituted under the law of Mexico;

and

SIC means:

(

a) with respect to Canada, Standard Industrial Classification

(SIC) numbers as set out in Statistics Canada, Standard Industrial

Classification, fourth edition, 1980; and

(

b) with respect to the United States, Standard Industrial

Classification (SIC) numbers as set out in the United States Office of

Management and Budget, Standard Industrial Classification Manual, 1987.

This reservation applies to all provincial non-conforming measures which

were in existence as at January 1, 1994. For transparency purposes, and

without limiting the generality of the reservation described above, the

following is an illustrative list of the types of Alberta measures that are

covered by this reservation:

Measures: Industrial Benefit Policy

Description: Investment

When issuing permits for large scale projects, including Industrial

Development, Forest Management, Oil Sands , Power Plant or Gas Plant Coal

Development Permits, Alberta may require that first consideration be given

to suppliers from within Alberta or Canada where competitive in terms of

price and quality.

Measures: Alberta Government Telephones Reorganization Act, R.S.A. 1980,

c. A-23.5

Description: Investment

When making an offering of voting shares to the public at large, the

offering must be made to Alberta residents alone or in common with

non-residents of Alberta. "Non-residents" include individuals not

ordinarily resident in Alberta, corporations with its heads office outside

Alberta and corporations controlled, directly or indirectly, by

non-residents

The number of voting shares that may be held by non-residents of

Canada is limited to 10% of the total number of issued and outstanding

voting shares.

Measures: Vencap Equities Alberta Act, R.S.A. 1980, c. V-1.5

Description: Investment

The Act establishes "Vencap Equities Alberta", a venture capital

fund. The bylaws which are included in this Act provide, in part, that no

common share of Vencap can be transferred to:

an individual that is not a Canadian citizen or ordinarily

resident in Canada, or

a company that does not have a majority of directors or

shareholders that are Canadian citizens or ordinarily resident in Alberta

Measures: Licensing of Trades and Businesses Act, R.S.A. 1980, c. L-14

Funeral Services Regulation

Description: Cross Border Services

To be licensed as funeral directors, applicants must have worked in

Alberta for 1 year full-time, or 2 years part-time.

Measures: Mortgage Brokers Regulation Act, R.S.A. 1980, c. M-19

Description: Cross Border Services

An individual must be an Alberta resident and a resident of Canada

for not less than 3 months immediately prior to the date of his application

for registration.

In order to be eligible for registration, a partnership or

corporation must maintain a business office in Alberta and designate a

representative who must meet the residency requirements, described above,

and be bonded.

Measures: Real Estate Agents' Licensing Act, R.S.A. 1980, c. R-5

Description: Cross Border Services

An individual is not eligible to be licensed as an agent unless the

individual is resident in Alberta and has been a resident of Canada for not

less than 3 months immediately prior to the application for a license.

An applicant is not eligible to be licensed and an agent is not

eligible to continue to hold a license unless the applicant or agent

individually, or at least one member of a partnership or corporation,

maintains a business office in Alberta. "Business office" means the space

used as an office for the purpose of trading in real estate.

Measures: Legal Profession Act, R.S.A. 1980, c. L-9, L-9.1

Description: Cross Border Services and Investment

To be enrolled as a member of the Law Society of Alberta, a person

must show that he is a Canadian citizen or lawfully admitted into Canada

for permanent residence.

A person may be admitted as a "student-at-law" by satisfying certain

educational requirements. These educational requirements may not be

required of

a) a person with three year's standing as a lawyer in another

Canadian province or in England, Scotland, Northern Ireland, Eire, New

Zealand or Australia, or

b) a solicitor of the Supreme Court of Judicature in England who has

been performing, in Alberta, services of a legal nature for the Department

of Justice of Alberta of the Government of Alberta for at least 3 years of

a five year period immediately preceding the application for enrollment.

Measures: Liquor Control Act, R.S.A. 1980, c. L-17, Liquor

Administration Regulation

Description: Cross Border Services and Investment

Liquor licenses are restricted to an adult who is a Canadian citizen

or lawfully admitted to Canada for permanent residence.

Measures: Chartered Accountants Act, R.S.A. 1980, c. C-5.1

Description: Cross Border Services and Investment

In order to be eligible to be registered as a student or as a

chartered accountant, a person must show that he is a Canadian citizen or

lawfully admitted into Canada for permanent residence.

Measures: Certified General Accountants Act, R.S.A. 1980, c. C-3.6

Description: Cross Border Services and Investment

A person must be registered in order to carry on an "exclusive

accounting practice" as defined in the Act. In order to be registered as a

student or as a certified general accountant, a person must show that he is

a Canadian citizen or lawfully admitted into Canada for permanent

residence.

Measures: Certified Management Accountants Act, S.A. 1987, c. C-3.8

Alberta Regulation #159/88

Description: Cross Border Services

An applicant for registration as a student member must establish that

he is a resident Albertan. Except for members of other Canadian management

accountant societies, a person must complete a two year student program

before being registered as a member of the Society.

Measures: Agricultural and Recreational Land Ownership Act, R.S.A. 1980,

c. A-9

Foreign Ownership of Land Regulation

Land Titles Act, R.S.A. 1980, c. L-5

Description: Investment

Non-Canadian companies and individuals may not purchase more than two

parcels, and in total, not more than 20 acres of non-urban land.

The Registrar of Land Titles shall refuse to register a transfer or

transmission of any estate or interest in land, or to register any caveat,

or to file a plan of subdivision if he believes it will be contrary to the

regulations of the Agricultural and Recreational Land Ownership Act and

section 33 (now 35) of the Citizenship Act (Canada).

Measures: Public Lands Act, R.S.A. 1980, c. P-30

Description: Investment

The Minister shall not sell land to a person who is not a Canadian

citizen or to a corporation that is not Canadian. Not less than 75% of

equity shares must be Canadian owned in order for corporation to qualify as

Canadian.

Measures: Public Lands Act, R.S.A. 1980, c. P-30

Public Lands Grazing Lease Regulation

Farm Development and Homestead Regulation

Forest Grazing License Regulation

Description: Investment

Only a Canadian citizen or a Canadian corporation may obtain:

a grazing lease on public lands, or

a lease or sale agreement for public lands, or

a forest grazing license.

A corporation is considered a "Canadian corporation" if a majority of

its shares are owned by Canadian citizens.

Measures: Forest Reserves Act, R.S.A. 1980, c. F-15

General Regulations (Alberta Regulation #604/75)

Description: Investment

Grazing permits on public lands within forest reserves are restricted

to Canadian citizens. Preference quotas are also given to Alberta

residents.

Measures: Provincial Parks Act, R.S.A. 1980, c. P-22

Disposition Regulations (Alta. Reg. # 241/77)

Description: Investment

Grazing dispositions within provincial parks will only be issued to a

corporation if the majority of its shares are owned by Canadian citizens

resident in Alberta.

Measures: Policy

Description: Investment

Applications for the disposition of public lands for residential,

commercial or industrial purposes are accepted from individuals who are

Canadian Citizens or from Corporations that have 75% or more Canadian

ownership. Corporate applications for surface dispositions for resource

extraction purposes are not required to have the minimum 75% Canadian

ownership.

Measures: Commercial Fishing Licensing Policy

Description: Cross Border Services and Investment

Issuance of commercial fishing licenses is restricted to Alberta

residents who also meet other criteria.

Measures: Fish Marketing Act, R.S.A. 1980, c. F-12, Game Fish Farm

Regulation

Description: Cross Border Services and Investment

A non-resident shall not apply for or possess a Private Game Fish

Farm Licence or a Commercial Game Fish Farm Licence.

Measures: Wildlife Act, R.S.A. 1980, c. W-9.1

Captive Wildlife Regulation,

Captive Wildlife (Ministerial) Regulation

General Wildlife Regulation

General Wildlife (Ministerial) Regulation

Description: Cross Border Services and Investment

Various permits and licenses under these regulations are restricted

to Alberta resident individuals or corporations whose shareholders are

Alberta residents:

fur management licenses,

guide and outfitter guide permits, and

zoo, falconry, game-bird farm permits.

A "wildlife acquisition permit" is necessary for a non-Alberta

resident to purchase wildlife for export from Alberta.

________________________________________________________________________

MUNICIPAL AFFAIRS

The Registrar's Periodical, corporate registration, incorporation and other

notices of the Corporate Registry are listed at the end of this issue.

________________________________________________________________________

ALBERTA OPPORTUNITY COMPANY

LOAN AUTHORIZATIONS FOR THE MONTH OF JULY, 1998

(Alberta Opportunity Fund Act)

581244 Alberta Ltd. Grande Cache. Motel & Restaurant

Majority Owners: Gail Wright, Garry Wright.

Loan Authorized: 300,000.

Purpose: Restructure debt, Renovations, Equipment.

727285 Alberta Ltd. Manning. Service station & car wash.

Majority Owners: Christopher DeLeeuw, Bernita DeLeeuw.

Loan Authorized: 18,000.

Purpose: Renovations.

758204 Alberta Ltd. Brooks. Supplier of premises.

Majority Owners: Myles Paddock, Diana Paddock.

Loan Authorized: 250,000.

Purpose: Land & buildings.

Arctic Energy Systems Ltd. Wembley. Pressure testing.

Majority Owners: Cory Young.

Loan Authorized: 220,000.

Purpose: Establish new business.

Arlyn Enterprises Ltd. Calgary. Packager & Distributor.

Majority Owners: Murray Flegel, William Dickson.

Loan Authorized: 300,000.

Purpose: Support operating line of credit through Bank guarantee.

Asplund & Klone-Asplund. Barons. Custom iron products.

Majority Owners: Kirk Asplund, Shirley Klone-Asplund.

Loan Authorized: 20,000.

Purpose: Equipment, Working capital.

Grande Meadow Equine Center Inc. Grande Prairie. Equine care facility.

Majority Owner: Brent Miller, Michelle Miller.

Loan Authorized: 242,000.

Purpose: Establish new business.

Grizzly Automotive Inc. Grande Prairie. Automotive service & repair.

Majority Owners: Kenneth Steinbru.

Loan Authorized: 18,000.

Purpose: Restructure debt.

H & D Sparrow Investments Inc. Sedgewick. Tire shop, Mechanical auto

repair.

Majority Owners: Hal Sparrow, Donna Sparrow.

Loan Authorized: 500,000.

Purpose: Construct new building.

Jentel Manufacturing Ltd. Calgary. Plastic manufacturing.

Majority Owners: Ralph Hahn, Klaus Hahn.

Loan Authorized: 113,000.

Purpose: Equipment, Restructure debt.

Learmont, C. Medicine Hat. Music & sound production.

Majority Owners: Donald Craig Learmont.

Loan Authorized: 15,000.

Purpose: Equipment.

Millview Development Corporation. Whitecourt. Bowling, lounge, arcade.

Majority Owners: Arthur Martin.

Loan Authorized: 640,000.

Purpose: Land, Building, Equipment.

Motco Holdings Ltd. Edson. Truck & RV wash.

Majority Owners: Rodney Motkoski, Candy Motkoski.

Loan Authorized: 150,000.

Purpose: Building, Equipment.

Parkland Store & Campground Ltd. Rimbey. Store & campground.

Majority Owners: Andy Rivest, Signe Rivest.

Loan Authorized: 200,000.

Purpose: Site improvements, Equipment.

Plant Pro Ltd. Pincher Creek. Oilfield supply, service & rentals.

Majority Owners: George Sulava, Margret Soderstrom.

Loan Authorized: 32,000.

Purpose: Equipment.

Ponoka Cabinet Makers Ltd. Ponoka. Manufacturer of cabinets.

Majority Owners: Gordon Walls, Carol Walls.

Loan Authorized: 30,000.

Purpose: Equipment.

Prairie Signs

(1980) Ltd. Grande Prairie. Commercial signage.

Majority Owners: Melvin Quick, Kirk Quick.

Loan Authorized: 15,000.

Purpose: Building repair.

Prism 2000 Inc. Grande Prairie. Retail / Commercial paint & glass.

Majority Owners: Curtis Siddon, Erin O'Brien McBride.

Loan Authorized: 72,000.

Purpose: Purchase existing business.

Sharks Billiards & Sports Lounge (Valleyview) Ltd. Valleyview. Billiard &

sports lounge.

Majority Owners: Gregory Dobko.

Loan Authorized: 11,000.

Purpose: Site improvements.

Tanios, J. & W. Wainwright. Pizza restaurant.

Majority Owners: Joe Tanios, Wafaa Tanios.

Loan Authorized: 40,000.

Purpose: Renovations, Equipment.

Vassberg (tbi). Red Deer. Concrete cutting / coring.

Majority Owners: Keith Vassberg, Donna Vassberg.

Loan Authorized: 160,000.

Purpose: Equipment.

Vision Works Commercial Productions Inc. Calgary. Film transfer, video

duplication.

Majority Owners: Luke Azevedo, Brian Funfer.

Loan Authorized: 110,000.

Purpose: Equipment.

Visual Concepts & Design Ltd. Calgary. Visual display / Special events.

Majority Owners: Carley Underwood.

Loan Authorized: 90,000.

Purpose: Working capital, Restructure debt.

Wong, W. Calgary. Bakery / Cafe.

Majority Owners: Wai Cheong (Thomas) Wong.

Loan Authorized: 40,000.

Purpose: Leasehold improvements.

TRANSPORTATION AND UTILITIES

SALE OR DISPOSITION OF LAND

(Government Organization Act)

Name of Buyer: Canadian Tire Real Estate Limited

Consideration: $136,500.00

Land Description: Plan 9321247, Lot 18, containing 0.853 hectares (2.11

acres) more or less. Excepting thereout Road Plan 9823812, containing 0.076

hectares (0.19 acres) more or less, excepting thereout all mines and

minerals.

File: 14-MH-90(7)

Name of Buyer: Municipal District of Big Lakes

Consideration: $1.00

Land Description: Meridian 5, Range 12, Township 73,

Section 17, the whole

of Legal Subdivisions 12 and 13 and those portions of Legal Subdivisions 11

and 14 lying to the south and west of the road allowance adjoining

Driftpile Indian Reserve No. 150 as shown on a plan of survey of the said

township dated August 4, 1923, containing 57.262 hectares (141.40 acres)

more or less. Excepting thereout 1.97 acres more or less as shown on Road

Plan 3808 PX. Excepting thereout all mines and minerals and the right to

work the same.

File: 3077-255

Name of Buyer: Ronald Orville Gainsforth

Consideration: $3,680.00

Land Description: Plans 1346 L.Z. & 922 1098 within SE 11-46-1-4

________________________________________________________________________

TREASURY

INSURANCE NOTICE

(Insurance Act)

Notice is hereby given that pursuant to

section 295 of the Insurance Act,

the following Standard Automobile Policy SPF No. 1, is the policy approved

by the Superintendent of Insurance.

B.A. Rodrigues, Superintendent of Insurance.

ALBERTA STANDARD AUTOMOBILE POLICY

S.P.F. No. 1

PLEASE READ THIS CAREFULLY

INSURING AGREEMENTS

Now, Therefore in Consideration of the payment of the premium specified and

of the statements contained in the application and subject to the limits,

terms, conditions, provisions,

definitions and exclusions herein stated and

subject always to the condition that the Insurer shall be liable only under

the section(

s) or subsection(

s) of the following Insuring Agreements A, B,

C for which a premium is specified in Item 4 of the application and no

other.

SECTION A THIRD PARTY LIABILITY

The Insurer agrees to indemnify the Insured and, in the same manner and to

the same extent as if named herein as the Insured, every other person who

with his consent personally drives the automobile, or personally operates

any part thereof, against the liability imposed by law upon the Insured or

upon any such other person for loss or damage arising from the ownership,

use or operation of the automobile and resulting from

BODILY INJURY TO OR DEATH OF ANY PERSON OR DAMAGE TO PROPERTY

The Insurer shall not be liable under this section,

(

a) for any liability imposed by any workmen's compensation law

upon any person insured by this section; or

(

b) deleted

(

c) for loss or damage resulting from bodily injury to or the death

of any employee of any person insured by this

section while engaged in the

operation or repair of the automobile; or

(

d) for loss of or damage to property carried in or upon the

automobile or to any property owned or rented by, or in the care, custody

or control of any person insured by this section; or

(

e) deleted

(

f) deleted

(

g) for any amount in excess of the limit(

s) stated in

section A of

item 4 of the application and expenditures provided for in the Additional

Agreements of this section; subject always to the provisions of the

section

of the Insurance Act (Automobile Insurance Part) relating to the nuclear

energy hazard;

(

h) for any liability arising from contamination of property

carried in the automobile.

See also General Provisions,

Definitions, Exclusions and Statutory

Conditions of this Policy

ADDITIONAL AGREEMENTS OF INSURER

Where indemnity is provided by this

section the Insurer shall,

(1) upon receipt of notice of loss or damage caused to persons or

property, serve any person insured by this Policy by such investigation

thereof, or by such negotiations with the claimant, or by such settlement

of any resulting claims, as may be deemed expedient by the Insurer; and

(2) defend in the name and on behalf of any person insured by this

Policy and at the cost of the Insurer any civil action which may at any

time be brought against such person on account of such loss or damage to

persons or property; and

(3) pay all costs taxed against any person insured by this Policy

in any civil action defended by the Insurer and any interest accruing after

entry of judgment upon that part of the judgment which is within the

limit(

s) of the Insurer's liability; and

(4) in case the injury be to a person, reimburse any person insured

by this Policy for outlay for such medical aid as may be immediately

necessary at the time of such injury; and

(5) be liable up to the minimum limit(

s) prescribed for that

province or territory of Canada in which the accident occurred, if that

limit(

s) is higher than the limit(

s) stated in

section A of Item 4 of the

application; and

(6) not set up any defence to a claim that might not be set up if

the policy were a motor vehicle liability policy issued in the province or

territory of Canada in which the accident occurred.

AGREEMENTS OF INSURED

Where indemnity is provided by this section, every person insured by this

Policy

(

a) by the acceptance of this Policy, constitutes and appoints the

Insurer his irrevocable attorney to appear and defend in any province or

territory of Canada in which action is brought against the Insured arising

out of the ownership, use or operation of the automobile;

(

b) shall reimburse the Insurer, upon demand, in the amount which

the Insurer has paid by reason of the provisions of any statute relating to

automobile insurance and which the Insurer would not otherwise be liable to

pay under this Policy.

SECTION B ACCIDENT BENEFITS

The Insurer agrees to pay to or with respect to each insured person as

defined in this

section who sustains bodily injury or death directly and

independently of all other causes by an accident arising out of the use or

operation of an automobile.

SUBSECTION 1 MEDICAL PAYMENTS AND FUNERAL BENEFITS

(1) All reasonable expenses incurred within two years from the date

of the accident as a result of such injury for necessary medical, surgical,

chiropractic, dental, hospital, professional nursing, and ambulance service

and, in addition for such other services and supplies which are, in the

opinion of the insured person's attending physician and that of the

Insurer's medical adviser, essential for the treatment or rehabilitation of

said person, to the limit of $10,000 per person.

(1.1) Not withstanding subsection (1), any chiropractic

services provided under subsection (1) is limited to $500 per person.

(2) Funeral services up to the amount of $2,000 in respect to the

death of any one person.

The Insurer shall not be liable under this subsection for those portions of

such expenses payable or recoverable under any medical, surgical, dental or

hospitalization plan or law or, except for similar insurance provided under

another automobile insurance contract, under any other insurance contract

or certificate issued to or for the benefit of, any insured person.

SUBSECTION 2 DEATH AND TOTAL DISABILITY

Part I Death Benefits

A. Subject to the provisions of this

Part 1, for death, a payment of a

Principal Sum based on the age and status at the date of the accident of

the deceased in a household where the head of the household or the spouse

or dependents survive of the following amount:

Status of Deceased at

Date of Accident

Spouse in

Age of Deceased at Head of Two-parent Dependent

Date of Accident Household Households Relative

Up to age of 4 years $ 1,000

5 to 9 years 2,000

10 to 17 years $10,000 $10,000 3,000

18 to 64 years 10,000 10,000 2,000

65 to 69 years 10,000 10,000 2,000

70 years and over 10,000 10,000 1,000

In addition, with respect to death of head of household,

(

a) where there are two or more survivors being spouse and/or

dependent relatives the principal sum payable is increased 20% for each

survivor other than the first; and

(

b) where there are one or more survivors, being spouse and/or

dependent relatives, 1% of the total principal sum payable each week for a

period of 104 weeks. Any weekly benefit shall terminate upon death of all

such survivors.

For the purposes of this

Part I

(1) "head of household" means that member of a household with the

largest income in the year preceding the date of the accident;

(2) "dependent relative" means a person

(

a) under the age of 18 years for whose support the head of

household or the spouse of the head of household (or both of them) is

legally liable and who is dependent upon either or both of them for

financial support; or

(b) 18 years of age or over and residing in the same dwelling

premises as the head of household who, because of mental or physical

infirmity, is principally dependent upon the head of household or the

spouse of the head of household (or both of them) for financial support;

(3) the total sum payable shall be paid with respect to death of

head of household or spouse to the surviving spouse. If there is no

surviving spouse in the household, no amount shall be payable unless there

are surviving dependent relatives and in that event the total sum payable

shall be divided equally among the surviving dependent relatives;

(4) the total amount payable with respect to death due to a common

disaster of head of household and spouse shall be paid equally to surviving

dependent relatives;

(5) the sum payable with respect to the death of a dependent

relative shall be paid to the head of household or, if he does not survive,

to the surviving spouse of the head of household but, if neither the head

of household nor the spouse survives, no amount is payable;

(6) amounts payable under this

Part I shall be paid only to a

person who is alive 60 days after the death of the insured person;

(7) the amount payable under this

Part I for the death of any

person shall be reduced by the amount of any payments made to or for such

person with respect to the same accident under

Part II, Total Disability.

Part II Total Disability

A weekly benefit for the period during which the injury shall wholly and

continuously disable such insured person, provided

(

a) such person was employed at the date of the accident;

(

b) within 60 days from the date of the accident such injury

prevents him from performing any and every duty pertaining to his

occupation or employment;

(

c) no benefit shall be payable for the first seven days of such

disability or for any period in excess of 104 weeks.

Amount of Weekly Benefit The weekly benefit payable shall be the lesser

of:

(a) $300 per week, and

(b) 80% of the average gross weekly earnings, less any payments for

loss of income from employment received by or available to such insured

person under Subsection 2 (

A) or 2 (

B) of this

Section B.

The above benefits shall be subject to the terms of clause (3) below.

For the purpose of this

Part II,

(1) a spouse residing in the same dwelling premises as her husband

or his wife and not otherwise engaged in occupation or employment for wages

or profit, if injured, shall be deemed disabled only if completely

incapacitated and unable to perform any of her or his household duties and

while so incapacitated shall receive $100 per week for not more than 26

weeks.

(2) a person shall be deemed to be employed

(

a) if actively engaged in occupation or employment for wages

or profit at the date of the accident, or

(

b) if 18 years of age or over, so engaged for any six months

during the 12 months preceding the date of the accident.

(3) where the benefits for loss of time payable hereunder, together

with benefits for loss of time under another contract, including a contract

of group accident insurance and a life insurance contract providing

disability insurance, exceed the money value of the time of the insured

person, the Insurer is liable only for that proportion of the benefits for

loss of time stated in this Policy that the money value of the time of the

person insured bears to the aggregate of the benefits for loss of time

payable under all such contracts;

(4) the disability of the insured person shall be certified by a

duly qualified medical practitioner, if so required by the Insurer.

SUBSECTION 2(A) - SUPPLEMENTED BENEFITS RESPECTING ACCIDENTS OCCURRING

OUTSIDE ALBERTA IN A NO-FAULT JURISDICTION

(1) In this Subsection, 2(A)

(a) "accident" means an event resulting in bodily injury

caused by an automobile or by the use of an automobile or by the load of an

automobile, including damage caused by a trailer;

(b) "applicable laws" means, with respect to a no-fault

jurisdiction, the laws in force from time to time governing the system of

no-fault automobile insurance in that jurisdiction;

(c) "insured person" means an individual who is a resident of

Alberta and who

(

i) is an occupant of the described automobile or of a newly

acquired or temporary substitute automobile as defined in this policy,

(ii) is an occupant of an automobile and is

(

A) the named insured, or a spouse of the named insured

living in the same dwelling premises as the named insured, or

(

B) a dependent relative of an individual referred to in

paragraph (

A) living in the same dwelling premises as the named insured,

(iii) while a pedestrian, is struck by the described automobile or a

newly acquired or temporary substitute automobile as defined in this

policy,

(iv) while a pedestrian, is struck by an automobile and is

(

A) the named insured, or a spouse of the named insured

living in the same dwelling premises as the named insured, or

(

B) a dependent relative of an individual referred to in

paragraph (

A) living in the same dwelling premises as the named insured,

(

v) is the occupant of an automobile or a pedestrian struck

by an automobile and is

(

A) an employee or partner of the named insured who is

provided with the regular use of the described automobile, or a spouse of

the employee living in the same dwelling premises as the employee or a

spouse of the partner living in the same dwelling premises as the partner,

(

B) a dependent relative of an individual referred to in

paragraph (

A) living in the same dwelling premises as that individual,

(vi) is

(

A) the occupant of an automobile, or

(

B) a pedestrian struck by an automobile

driven by an individual described in any of subclauses (

i) through (v),

but does not include an individual who is, at the time of

an accident in Quebec, the owner or occupant of an automobile registered in

Quebec;

(d) "no-fault jurisdiction" means the Province of Quebec, Ontario,

Manitoba or Saskatchewan;

(e) "pedestrian" means an individual who is not an occupant

of an automobile (f) "resident of Alberta" means an individual who

(

i) is authorized by law to be or to remain in Canada and is

living and ordinarily present in Alberta, and

(ii) meets the criteria for non-residency in the no-fault

jurisdiction established by the applicable laws of the no-fault

jurisdiction.

(2) The definition of "insured person" under the heading Special

Provisions,

Definitions, and Exclusions of

Section B does not apply to this

Subsection.

(3) Where an insured person suffers personal injury as a result of

an accident occurring in a no-fault jurisdiction, the insurer agrees to pay

to the insured person the amount that would be payable under the applicable

laws of the no-fault jurisdiction as if the insured person were a resident

of the no-fault jurisdiction.

(4) For the purposes of calculating an amount payable under (3) in

respect of an accident occurring in Quebec, references in the Automobile

Insurance Act (Quebec) to other statutes or regulations of Quebec used to

calculate an amount payable under (3) shall be read as references to

corresponding Alberta statutes or regulations or federal statutes or

regulations that apply in Alberta.

(5) In any claim or action in Alberta arising out of an accident in

Alberta, the insurer agrees not to exercise its right of subrogation

against a resident of Manitoba or Saskatchewan in respect of

Section B -

Accident Benefits paid to a resident of Alberta under this policy.

(6) No exclusion or limitation in

Section B or in the General

Provisions,

Definitions and Exclusions and the Statutory Conditions of this

policy may be raised by the insurer in respect of a claim by an insured

under (3).

SUBSECTION 3 UNINSURED MOTORIST COVER

All sums which every insured person shall be legally entitled to recover as

damages for bodily injury and all sums which any other person shall be

legally entitled to recover as damages because of the death of any insured

person, from the owner or driver of an uninsured or unidentified automobile

as defined herein.

(1) The Insurer shall not be liable under this subsection,

(

a) to any person who has a right of recovery under an

unsatisfied judgment or similar fund or plan in effect in any jurisdiction

of Canada or the United States of America;

(

b) to any person who, without the written consent of the

Insurer, makes directly or through his representative any settlement with

or prosecutes to judgment any action against any person or organization

which may be legally liable therefor;

(

c) for any amount in excess of the minimum limit(

s) for

automobile bodily injury liability insurance applicable in the jurisdiction

in which the accident occurs regardless of the number of persons so injured

or killed, but in no event shall such limit(

s) exceed the minimum limit(

s) applicable in the jurisdiction stated in Item 1 of the application.

(2) Uninsured automobile defined

An "uninsured automobile" under this

section means an

automobile with respect to which neither the owner nor driver thereof has

applicable and collectible bodily injury liability insurance for its

ownership, use or operation, but shall not include an automobile owned by

or registered in the name of

(

a) the named insured or by any person residing in the same

dwelling premises therewith; or

(

b) the governments of Canada or the United States of America

or any political sub-division thereof or any agency or corporation owned or

controlled by any of them; or

(

c) any person who is an authorized self-insurer within the

meaning of a financial or safety responsibility law; or

(

d) any person who has filed a bond or otherwise given proof

of financial responsibility with respect to his liability for the

ownership, use or operation of automobiles.

(3) Unidentified automobile defined

An "unidentified" automobile under this subsection means an

automobile which causes bodily injury or death to an insured person arising

out of physical contact of such automobile with the automobile of which the

insured person is an occupant at the time of the accident, provided

(

a) the identity of either the owner or driver of such

automobile cannot be ascertained, and

(

b) the insured person or someone on his behalf has reported

the accident within 24 hours to a police, peace or judicial officer or to

an administrator of motor vehicle laws and shall have filed with the

Insurer within 30 days thereafter a statement under oath that the insured

person or his legal representative has a cause or causes of action arising

out of such accident for damages against a person or persons whose identity

cannot be ascertained and setting forth the facts in support thereof; and

(

c) at the request of the Insurer, the insured person or his

legal representative makes available for inspection the automobile of which

the insured person was an occupant at the time of the accident.

(4) Limitation of liability

(

a) If claim is made under this subsection and claim is also

made against any person who is an insured under

section A Third Party

Liability of this Policy, any payment under this subsection shall be

applied in reduction of any amount which the insured person may be entitled

to recover from any person who is insured under

section A;

(

b) Any payment made under

section A or under subsections 1

or 2 of

section B of this Policy to an insured person hereunder shall be

applied in reduction of any amount which such person may be entitled to

recover under this subsection.

(5) Determination of legal liability and amount of damages

The determination as to whether the insured person shall be

legally entitled to recover damages and if so entitled, the amount thereof,

shall be made by agreement between the insured person and the Insurer.

If any difference arises between the insured person and the

Insurer as to whether the insured person is legally entitled to recover

damages and, if so entitled, as to the amount thereof these questions shall

be submitted to arbitration of some person to be chosen by both parties, or

if they cannot agree on one person, then by two persons, one to be chosen

by the insured person and the other by the Insurer and a third person to be

appointed by the persons so chosen. The submission shall be subject to the

provisions of The Arbitration Act and the award shall be binding upon the

parties.

(6) Notice of legal action

If, before the Insurer makes payment of loss hereunder, the

insured person or his representative shall institute any legal action for

bodily injury or death against any other person owning or operating an

automobile involved in the accident, a copy of the writ of summons or other

process served in connection with such legal action shall be forwarded

immediately to the Insurer.

SPECIAL PROVISIONS,

DEFINITIONS, AND EXCLUSIONS

OF

SECTION B

(1) "INSURED PERSON" DEFINED

In this section, the words "insured person" mean

(

a) any person while an occupant of the described automobile

or of a newly acquired or temporary substitute automobile as defined in

this policy;

(

b) the insured and, if residing in the same dwelling

premises as the insured, his or her spouse and any dependent relative of

either while an occupant of any other automobile; provided that

(

i) the insured is an individual or are two spouses in a

household;

(ii) such person is not engaged in the business of selling,

repairing, maintaining, servicing, storing or parking automobiles at the

time of the accident;

(iii) such other automobile is not owned or regularly or

frequently used by the insured or by any person or persons residing in the

same dwelling premises as the insured;

(iv) such other automobile is not owned, hired, or leased by

an employer of the insured or by an employer of any person or persons

residing in the same dwelling premises as the insured;

(

v) such other automobile is not used for carrying passengers

for compensation or hire or for commercial delivery;

(

c) in Subsection 1 and 2 of

Section B only, any person, not

the occupant of an automobile or of railway rolling-stock that runs on

rails, who is struck, in Canada, by the described automobile or a newly

acquired or temporary substitute automobile as defined in the policy.

(

d) in Subsection 1 and 2 of

Section B only, the named

insured, if an individual and his or her spouse and any dependent relative

residing in the same dwelling premises as the named insured, not the

occupant of an automobile or of railway rolling-stock that runs on rails,

who is struck by any other automobile; provided that

(

i) such person is not engaged in the business of selling,

repairing, maintaining, servicing, storing, or parking automobiles at the

time of the accident;

(ii) that automobile is not owned or regularly or frequently

used by the insured or by any person or persons residing in the same

dwelling premises as the named insured;

(iii) that automobile is not owned, hired, or leased by an

employer of the insured or by an employer of any person or persons residing

in the same dwelling premises as the named insured;

(

e) if the insured is a corporation, unincorporated

association, or partnership, or a sole proprietorship, any employee or

partner of the insured for whose regular use the automobile is furnished,

and his or her spouse and any dependent relative of either, residing in the

same dwelling premises as such employee or partner, while an occupant of

any other automobile; and

(

f) in Subsections 1 and 2 of

Section B only, any employee or

partner of the insured, for whose regular use the automobile is furnished,

and his or her spouse and any dependent relative of either, residing in the

same dwelling premises as such employee or partner, while not the occupant

of an automobile or of railway rolling-stock that runs on rails, who is

struck by any other automobile; provided that in respect of (

e) and (

f) above,

(

i) neither such employee nor partner or his or her spouse is

the owner of an automobile;

(ii) such person is not engaged in the business of selling,

repairing, maintaining, servicing, storing, or parking automobiles at the

time of the accident;

(iii) such other automobile is not owned or regularly or

frequently used by the employee or partner, or by any person or persons

residing in the same dwelling premises as such employee or partner;

(iv) such other automobile is not owned, hired, or leased by

the insured or by an employer of any person or persons residing in the same

dwelling premises as such employee or partner of the insured;

in respect of (

e) above only,

(

v) such other automobile is not used for carrying passengers

for compensation or hire or for commercial delivery.

(2) EXCLUSIONS

(

a) The Insurer shall not be liable under clause (

i) of

subsection 1 nor under

Part II of subsection 2 of this

section B for bodily

injury to any person

(

i) resulting from the suicide of such person or attempt

thereat, whether sane or insane; or

(ii) who is entitled to receive the benefits of any workmen's

compensation law or plan as a result of the accident; or

(iii) where the person at the time of the accident is engaged

in a race or speed test; or

(iv) caused directly by sickness or disease; or

(

v) who is using the automobile for any illicit or prohibited

trade or transportation.

(

b) The Insurer shall not be liable under

Part II of

subsection 2 of this

section B for bodily injury

(

i) sustained by any person who is convicted of an offence

under

section 253(

b) of The Criminal Code (driving with more than 80

milligrams of alcohol in 100 millilitres of blood) or under

section 253(

a) of The Criminal Code (driving while ability to drive impaired by alcohol or

a drug) occurring at the time of the accident, or

(ii) sustained by any person driving the automobile who is

under the age prescribed by the law of the jurisdiction in which the

accident occurs as being the minimum age at which a licence or permit to

drive the automobile may be issued to him; or

(iii) sustained by any person driving the automobile who is not

for the time being either authorized by Law or qualified to drive the

automobile.

(3) NOTICE AND PROOF OF CLAIM

The insured person or his agent, or the person otherwise

entitled to make claim or his agent, shall

(

a) give written notice of claim to the Insurer by delivery

thereof or by sending it by registered mail to the chief agency or head

office of the insurer in the Province, not later than 30 days from the date

of the accident, or as soon as practicable thereafter;

(

b) within 90 days from the date of the accident for which

the claim is made, or as soon as practicable thereafter, furnish to the

Insurer such proof of claim as is reasonably possible in the circumstances

of the happening of the accident and the loss occasioned thereby;

(

c) if so required by the Insurer, furnish a

certificate as to the cause and nature of the accident for which the claim

is made and as to the duration of the disability caused thereby from a duly

qualified medical practitioner.

(4) MEDICAL REPORTS

The Insurer has the right and the claimant shall afford to a

duly qualified medical practitioner named by the Insurer an opportunity to

examine the person of the insured's person when and as often as it

reasonably requires while the claim is pending, and also, in the case of

the death of the insured person, to make an autopsy subject to the law

relating to autopsies.

(5) RELEASE

Notwithstanding any release provided for under the relevant

sections of The Insurance Act of the Province, the Insurer may demand, as a

condition precedent to payment of any amount under

Section B of the policy,

a release in favour of the insured and the Insurer from liability to the

extent of such payment from the insured person or his personal

representative or any other person.

(6) WHEN MONEYS PAYABLE

(

a) All amounts payable under

Section B other than benefits

under

Part II of Subsection 2 hereof shall be paid by the Insurer within 60

days after it has received proof of claim. The initial benefits for loss of

time under

Part II of Subsection 2 hereof shall be paid within 30 days

after it has received proof of claim, and payments shall be made thereafter

within each 30 day period while the Insurer remains liable for payments if

the insured person, whenever required to do so, furnishes prior to payment

proof of continuing disability.

(

b) No person shall bring an action to recover the amount of

a claim under this

section unless the requirements of provisions 3 and 4

hereof are complied with, nor until the amount of the loss has been

ascertained as provided in this section.

(

c) Every action or proceeding against the Insurer for the

recovery of a claim under this

section shall be commenced within one year

from the date on which the cause of action arose and not afterwards.

See also general provisions,

definitions, exclusions, and statutory

conditions of this policy.

SECTION C LOSS OF OR DAMAGE TO INSURED AUTOMOBILE

The Insurer agrees to indemnify the Insured against direct and accidental

loss of or damage to the automobile, including its equipment

Subsection 1 ALL PERILS from all perils;

Subsection 2 COLLISION OR UPSET caused by collision with another object

or by upset;

Subsection 3 COMPREHENSIVE from any peril other than by collision with

another object or by upset;

The words "another object" as used in this subsection 3 shall be deemed to

include (

a) a vehicle to which the automobile is attached and (

b) the

surface of the ground and any object therein or thereon. Loss or damage

caused by missiles, falling or flying objects, fire, theft, explosion,

earthquake, windstorm, hail, rising water, malicious mischief, riot or

civil commotion shall be deemed loss or damage caused by perils for which

insurance is provided under this subsection 3.

Subsection 4 SPECIFIED PERILS caused by fire, lightning, theft or

attempt thereat, windstorm, earthquake, hail, explosion, riot or civil

commotion, falling or forced landing of aircraft or of parts thereof,

rising water, or the stranding, sinking, burning, derailment or collision

of any conveyance in or upon which the automobile is being transported on

land or water;

DEDUCTIBLE CLAUSE

Each occurrence causing loss or damage covered under any subsection of

section C except loss or damage caused by fire or lightning or theft of the

entire automobile covered by such subsection, shall give rise to a separate

claim in respect of which the Insurer's liability shall be limited to the

amount of loss or damage in excess of the amount deductible, if any, stated

in the applicable subsection of

section C of Item 4 of the application.

EXCLUSIONS

The Insurer shall not be liable,

(1) under any subsection of

Section C for loss or damage

(

a) to tires or consisting of or caused by mechanical

fracture or breakdown of any part of the automobile or by rusting,

corrosion, wear and tear, freezing, or explosion within the combustion

chamber, unless the loss or damage is coincident with other loss or damage

covered by such subsection or is caused by fire, theft or malicious

mischief covered by such subsection; or

(

b) caused by the conversion, embezzlement, theft or

secretion by any person in lawful possession of the automobile under a

mortgage, conditional sale, lease or other similar written agreement; or

(

c) caused by the voluntary parting with title or ownership,

whether or not induced to do so by any fraudulent scheme, trick, device or

false pretense; or

(

d) caused directly or indirectly by contamination by

radioactive material; or

(

e) to contents of trailers or to rugs or robes; or

(

f) to tapes and equipment for use with a tape player or

recorder when such tapes or equipment are detached therefrom; or

(

g) where the insured drives or operates the automobile

(

i) while under the influence of intoxicating liquor or drugs

to such an extent as to be for the time being incapable of the proper

control of the automobile; or

(ii) while in a condition for which he is convicted of an

offence under

section 253 of the Criminal Code (Canada) or under or in

connection with circumstances for which he is convicted of an offence under

section 254 of the Criminal Code (Canada); or

(

h) where the insured permits, suffers, allows or connives at

the use of the automobile by any person contrary to the provisions of (g);

(2) under subsections 3 (Comprehensive), 4 (Specified Perils) only,

for loss or damage caused by theft by any person or persons residing in the

same dwelling premises as the Insured, or by any employee of the Insured

engaged in the operation, maintenance or repair of the automobile whether

the theft occurs during the hours of such service or employment or not.

See also General Provisions,

Definitions, Exclusions and Statutory

Conditions of this Policy

ADDITIONAL AGREEMENTS OF INSURER

(1) Where loss or damage arises from a peril for which a premium is

specified under a subsection of this section, the Insurer further agrees:

(

a) to pay general average, salvage and fire department

charges and customs duties of Canada or of the United States of America for

which the Insured is legally liable;

(

b) to waive subrogation against every person who, with the

insured's consent, has care, custody or control of the automobile, provided

always that this waiver shall not apply to any person (1) having such care,

custody or control in the course of the business of selling, repairing,

maintaining, servicing, storing or parking automobiles, or (2) who has (

i) committed a breach of any condition of this policy or (ii) driven or

operated the automobile in the circumstances referred to in (

i) or (ii) of

paragraph (

g) of the Exclusions to

Section C of this policy;

(

c) to indemnify the Insured and any other person who

personally drives a temporary substitute automobile as defined in the

General Provisions of this Policy against the liability imposed by law or

assumed by the Insured or such other person under any contract or agreement

for direct and accidental physical loss or damage to such automobile and

arising from the care, custody and control thereof; provided always that:

(

i) such indemnity is subject to the deductible clause

and exclusions of each such subsection;

(ii) if the owner of such automobile has or places insurance

against any peril insured by this section, the indemnity provided herein

shall be limited to the sum by which the deductible amount, if any, of such

other insurance exceeds the deductible amount stated in the applicable

subsection of this Policy;

(iii) the Additional Agreements under

section A of this Policy

shall insofar as they are applicable, extend to the indemnity provided

herein.

(2) Loss of Use by Theft Where indemnity is provided under

subsections 1, 3 or 4 of

section C hereof the Insurer further agrees,

following a theft of the entire automobile covered thereby, to reimburse

the Insured for expense not exceeding $25.00 for any one day nor totalling

more than $750.00 incurred for the rental of a substitute automobile

including taxicabs and public means of transportation.

Reimbursement is limited to such expense incurred during the

period commencing seventy-two hours after such theft has been reported to

the Insurer or the police and terminating, regardless of the expiration of

the policy period, (

a) upon the date of the completion of repairs to or the

replacement of the property lost or damaged, or (

b) upon such earlier date

as the Insurer makes or tenders settlement for the loss or damage caused by

such theft.

GENERAL PROVISIONS,

DEFINITIONS

AND EXCLUSIONS

1. TERRITORY

This Policy applies only while the automobile is being

operated, used, stored or parked within Canada, the United States of

America or upon a vessel plying between ports of those countries.

2. OCCUPANT DEFINED

In this Policy the word "occupant" means a person driving,

being carried in or upon or entering or getting on to or alighting from an

automobile.

3. CONSENT OF OWNER

No person shall be entitled to indemnity or payment under this

Policy who is an occupant of any automobile which is being used without the

consent of the owner thereof.

4. GARAGE PERSONNEL EXCLUDED

No person who is engaged in the business of selling, repairing,

maintaining, storing, servicing or parking automobiles shall be entitled to

indemnity or payment under this Policy for any loss, damage, injury or

death sustained while engaged in the use or operation of or while working

upon the automobile in the course of that business or while so engaged is

an occupant of the described automobile or a newly acquired automobile as

defined in this Policy, unless the person is the owner of such automobile

or his employee or partner.

5. AUTOMOBILE DEFINED

In this Policy except where stated to the contrary the words

"the automobile" mean:

Under sections A (Third Party Liability), B (Accident

Benefits), C (Loss of or Damage to Insured Automobile)

(

a) The Described Automobile an automobile trailer or

semi-trailer specifically described in the Policy or within the description

of insured automobiles set forth therein;

(

b) A Newly Acquired Automobile an automobile, ownership of

which is acquired by the insured and, within fourteen days following the

date of its delivery to him, notified to the Insurer in respect of which

the insured has no other valid insurance, if either it replaces an

automobile described in the application or the Insurer insures (in respect

of the

section or subsection of the Insuring Agreements under which claim

is made) all automobiles owned by the lnsured at such delivery date and in

respect of which the Insured pays any additional premium required; provided

however, that insurance hereunder shall not apply if the Insured is engaged

in the business of selling automobiles;

and under sections A (Third Party Liability) and B (Accident

Benefits) only

(

c) A Temporary Substitute Automobile an automobile not

owned by the Insured, nor by any person or persons residing in the same

dwelling premises as the Insured, while temporarily used as the substitute

for the described automobile which is not in use by any person insured by

this Policy, because of its breakdown, repair, servicing, loss, destruction

or sale;

(

d) Any Automobile of the Private Passenger or Station Wagon

type, other than the described automobile, while personally driven by the

Insured, or by his or her spouse if residing in the same dwelling premises

as the Insured provided that

(

i) the described automobile is of the private passenger or

station wagon type;

(ii) the Insured is an individual or are husband and wife;

(iii) neither the Insured nor his or her spouse is driving such

automobile in connection with the business of selling, repairing,

maintaining, servicing, storing or parking automobiles;

(iv) such other automobile is not owned or regularly or

frequently used by the Insured or by any person or persons residing in the

same dwelling premises as the Insured;

(

v) such other automobile is not owned, hired or leased by an

employer of the Insured or by an employer of any person or persons residing

in the same dwelling premises as the Insured;

(vi) such other automobile is not used for carrying passengers

for compensation or hire or for commercial delivery;

(

e) If the Insured is a corporation, unincorporated

association or registered co-partnership, any automobile of the private

passenger or station wagon type, other than the described automobile, while

personally driven by the employee or partner for whose regular use the

described automobile is furnished, or by his or her spouse if residing in

the same dwelling premises as such employee or partner, provided that

(

i) neither such employee or partner or his or her spouse is

the owner of an automobile of the private passenger or station wagon type;

(ii) the described automobile is of the private passenger or

station wagon type;

(iii) neither such employee, partner or spouse is driving the

automobile in connection with the business of selling, repairing,

maintaining, servicing, storing or parking automobiles;

(iv) such other automobile is not owned, hired or leased or

regularly or frequently used by the Insured or such employee or by any

partner of the Insured or by any persons residing in the same dwelling

premises as any of the aforementioned persons;

(

v) such other automobile is not used for carrying passengers

for compensation or hire or commercial delivery.

(

f) Trailers any trailer used in connection with the

automobile.

6. TWO OR MORE AUTOMOBILES

(

a) When two or more automobiles are described hereunder (

i) with respect to the use or operation of such described automobiles, each

automobile shall be deemed to be insured under a separate policy; (ii) with

respect to the use or operation of an automobile not owned by the Insured,

the limit of the Insurer's liability shall not exceed the highest limit

applicable to any one described automobile;

(

b) When the Insured owns two or more automobiles which are

insured as described automobiles under two or more automobile insurance

policies, the limit of the Insurer under this Policy with respect to the

use or operation of an automobile not owned by the Insured shall not exceed

the proportion that the highest limit applicable to any one automobile

described in this Policy bears to the sum of the highest limits applicable

under each policy and in no event shall exceed such proportion of the

highest limit applicable to any one automobile under any policy;

(

c) A motor vehicle and one or more trailers or semi-trailers

attached thereto shall be held to be one automobile with respect to the

limit(

s) of liability under insuring Agreements A and B and separate

automobiles with respect to the limit(

s) of liability, including deductible

provisions, under Insuring Agreement C.

7. WAR RISKS EXCLUDED

The Insurer shall not be liable under

section B or C of this

Policy for any loss, damage, injury or death caused directly or indirectly

by bombardment, invasion, civil war, insurrection, rebellion, revolution,

military or usurped power, or by operation of armed forces while engaged in

hostilities, whether war be declared or not.

8. EXCLUDED USES

Unless coverage is expressly given by an endorsement of this

Policy, the Insurer shall not be liable under this Policy while:

(

a) the automobile is rented or leased to another; provided

that the use by an employee of his automobile on the business of his

employer and for which he is paid shall not be deemed the renting or

leasing of the automobile to another;

(

b) the automobile is used to carry explosives, or to carry

radioactive material for research, education, development or industrial

purposes, or for purposes incidental thereto;

(

c) the automobile is used as a taxicab, public omnibus,

livery, jitney or sightseeing conveyance or for carrying passengers for

compensation or hire; provided that the following uses shall not be deemed

to be the carrying of passengers for compensation or hire:

(

i) the use by the Insured of his automobile for the carriage

of another person in return for the former's carriage in the automobile of

the latter;

(ii) the occasional and infrequent use of the Insured of his

automobile for the carriage of another person who shares the cost of the

trip;

(iii) the use by the Insured of his automobile for the carriage

of a temporary or permanent domestic servant of the Insured or his spouse;

(iv) the use by the Insured of his automobile for the carriage

of clients or customers or prospective clients or customers;

(

v) the occasional and infrequent use by a person of his

automobile for the transportation of children to or from activities

conducted as part of an educational program.

STATUTORY CONDITIONS

In these Statutory Conditions, unless the context otherwise requires, the

word "insured" means a person insured by this contract whether named or

not. Statutory Conditions 2, 3, 4, 5, 6 and 7 shall not apply to

Section B

Accident Benefits.

Material Change in Risk

(1) The Insured named in this contract shall promptly

notify the insurer, or its local agent, in writing, of any change in the

risk material to the contract and within his knowledge.

(2) Without restricting the generality of the foregoing the

words "change in the risk material to the contract" include:

(

a) any change in the insurable interest of the insured named

in this contract in the automobile by sale, assignment or otherwise, except

through change of title by succession, death or proceedings under the

Bankruptcy Act (Canada);

and with respect to insurance against loss of or damage

to the automobile;

(

b) any mortgage, lien or encumbrance affecting the

automobile after the application for this contract;

(

c) any other insurance of the same interest, whether valid

or not, covering loss or damage insured by this contract or any portion

thereof.

Prohibited Use by Insured

(1) The insured shall not drive or operate the

automobile,

(

a) unless he is for the time being either authorized by law

or qualified to drive or operate the automobile; or

(

b) while his licence to drive or operate an automobile is

suspended or while his right to obtain a licence is suspended or while he

is prohibited under order of any court from driving or operating an

automobile; or

(

c) while he is under the age of 16 years or under such other

age as is prescribed by the law of the province in which he resides at the

time this contract is made as being the minimum age at which a licence or

permit to drive an automobile may be issued to him; or

(

d) for any illicit or prohibited trade or transportation; or

(

e) in any race or speed test.

Prohibited Use by Others

(2) The insured shall not permit, suffer, allow or connive at

the use of the automobile,

(

a) by any person

(

i) unless that person is for the time being either

authorized by law or qualified to drive or operate the automobile; or

(ii) while that person is under the age of 16 years or under

such other age as is prescribed by the law of the province in which he

resides at the time this contract is made as being the minimum age at which

a licence or permit to drive an automobile may be issued to him; or

(

b) by any person who is a member of the household of the

insured while his licence to drive or operate an automobile is suspended or

while his right to obtain a licence is suspended or while he is prohibited

under order of any court from driving or operating an automobile; or

(

c) for any illicit or prohibited trade or transportation; or

(

d) in any race or speed test.

Requirements Where Loss or Damage to Persons or Property

(1) The insured shall

(

a) promptly give to the Insurer written notice, with all

available particulars, of any accident involving loss or damage to persons

or property; and of any claim made on account of the accident;

(

b) verify by statutory declaration, if required by the

Insurer, that the claim arose out of the use or operation of the automobile

and that the person operating or responsible for the operation of the

automobile at the time of the accident is a person insured under this

contract; and

(

c) forward immediately to the Insurer every letter,

document, advice or writ received by him from or on behalf of the claimant.

(2) The insured shall not

(

a) voluntarily assume any liability or settle any claim

except at his own cost; nor

(

b) interfere in any negotiations for settlement or in any

legal proceeding.

(3) The insured shall, whenever requested by the Insurer, aid

in securing information and evidence and the attendance of any witness, and

shall co-operate with the Insurer, except in a pecuniary way, in the

defence of any action or proceeding or in the prosecution of any appeal.

Requirements Where Loss or Damage to the Automobile

(1) Where loss of or damage to the automobile occurs,

the insured shall, if the loss or damage is covered by this contract,

(

a) promptly give notice thereof, in writing to the Insurer,

with fullest information obtainable at the time;

(

b) at the expense of the Insurer, and as far as reasonably

possible, protect the automobile from further loss or damage; and

(

c) deliver to the Insurer within ninety days after the date

of the loss or damage a statutory declaration stating, to the best of his

knowledge or belief, the place, time, cause and amount of the loss or

damage, the interest of the insured and of all others therein, the

encumbrances thereon, all other insurance, whether valid or not, covering

the automobile, and that the loss or damage did not occur through any

wilful act or neglect, procurement, means or connivance of the insured.

(2) Any further loss or damage accruing to the automobile,

directly or indirectly from a failure to protect it as required under

subcondition (1) of this condition, is not recoverable under this contract.

(3) No repairs, other than those that are immediately

necessary for the protection of the automobile from further loss or damage,

shall be undertaken and no physical evidence of the loss or damage shall be

removed

(

a) without the written consent of the Insurer; or

(

b) until the Insurer has had a reasonable time to make the

examination for which provision is made in statutory condition 5.

Examination of Insured

(4) The insured shall submit to examination under oath, and

shall produce for examination, at such reasonable place and time as is

designated by the Insurer or its representative, all documents in his

possession or control that relate to the matters in question; and he shall

permit extracts and copies thereof to be made.

Insurer Liable for Cash Value of Automobile

(5) The Insurer shall not be liable for more than the actual

cash value of the automobile at the time any loss or damage occurs, and the

loss or damage shall be ascertained or estimated according to that actual

cash value with proper deduction for depreciation, however caused, and

shall not exceed the amount that it would cost to repair or replace the

automobile, or any part thereof, with material of like kind and quality;

but if any part of the automobile is obsolete and out of stock, the

liability of the Insurer in respect thereof shall be limited to the value

of that part at the time of loss or damage not exceeding the maker's latest

list price.

Repair or Replacement

(6) Except where an appraisal has been made, the Insurer,

instead of making payment, may, within a reasonable time, repair, rebuild

or replace the property damaged or lost with other of like kind and

quality, if, within seven days after the receipt of the proof of loss, it

gives written notice of its intention to do so.

No Abandonment, Salvage

(7) There can be no abandonment of the automobile to the

Insurer without its consent. If the Insurer exercises the option to replace

the automobile, or pays the actual cash value of the automobile, the

salvage, if any, shall vest in the Insurer.

In Case of Disagreement

(8) In the event of disagreement as to the nature and extent

of the repairs and replacements required, or as to their adequacy, if

effected, or as to the amount payable in respect of any loss or damage,

those questions shall be determined by appraisal as provided under The

Insurance Act before there can be recovery under this contract, whether the

right to recover on the policy is disputed or not, and independently of all

other questions. There shall be no right to an appraisal until a specific

demand therefore is made in writing and until after proof of loss has been

delivered.

Inspection of Automobile

5. The insured shall permit the Insurer at all reasonable times to

inspect the automobile and its equipment.

Time and Manner of Payment of Insurance Money

(1) The Insurer shall pay the insurance money for which

it is liable under this contract within sixty days after the proof of loss

has been received by it or, where an appraisal is made under subcondition

(8) of statutory condition 4, within fifteen days after the award is

rendered by the appraisers.

When Action May Be Brought

(2) The insured shall not bring an action to recover the

amount of a claim under this contract unless the requirements of statutory

conditions 3 and 4 are complied with nor until the amount of the loss has

been ascertained as therein provided, or by a judgment against the insured

after trial of the issue, or by agreement between the parties with the

written consent of the Insurer.

Limitation of Actions

(3) Every action or proceeding against the Insurer under this

contract in respect of loss or damage to the automobile shall be commenced

within one year next after the happening of the loss and not afterwards,

and in respect of loss or damage to persons or property shall be commenced

within one year next after the cause of action arose, and not afterwards.

Who May Give Notice and Proofs of Claim

7. Notice of claim may be given and proofs of claim may be made by

the agent of the insured named in this contract in case of absence or

inability of the insured to give the notice or make the proof, such absence

or inability being satisfactorily accounted for, or in the like case, or if

the insured refuses to do so, by a person to whom any part of the insurance

money is payable.

Termination

(1) This contract may be terminated,

(

a) by the Insurer giving to the insured fifteen days' notice

of termination by registered mail, or five days' written notice of

termination personally delivered;

(

b) by the insured at any time on request.

(2) Where this contract is terminated by the Insurer

(

a) the Insurer shall refund the excess of premium actually

paid by the insured over the pro rata premium for the expired time, but, in

no event, shall the pro rata premium for the expired time be deemed to be

less than any minimum retained premium specified; and

(

b) the refund shall accompany the notice unless the premium

is subject to adjustment or determination as to amount, in which case the

refund shall be made as soon as practicable.

(3) Where this contract is terminated by the insured the

Insurer shall refund as soon as practicable the excess of premium actually

paid by the insured over the short rate premium for the expired time, but,

in no event, shall the short rate premium for the expired time be deemed to

be less than any minimum retained premium specified.

(4) The refund may be made by money, postal or express

company money order, or by cheque payable at par.

(5) The fifteen days mentioned in clause (

a) of sub-condition

(1) of this condition commences to run on the day following the receipt of

the registered letter at the post office to which it is addressed.

Notice

9. Any written notice to the Insurer may be delivered at, or sent by

registered mail to, the chief agency or head office of the insurer in this

province. Written notice may be given to the insured named in this contract

by letter personally delivered to him or by registered mail addressed to

him at his latest post office address notified to the Insurer. In this

condition the expression "registered" means registered in or outside

Canada.

________________________________________________________________________

ADVERTISEMENTS

NOTICE OF LIQUIDATION ORDER

TECHSKIL LTD.

(Business Corporations Act)

Notice is hereby given that on August 17, 1998, Techskil Ltd. ("Techskil")

was placed in liquidation with the consent of its shareholders by order of

the Court of Queen's Bench of Alberta, pursuant to the Business

Corporations Act of Alberta. PricewaterhouseCoopers Inc. was appointed to

liquidate the assets of Techskil.

PricewaterhouseCoopers Inc. (the "Liquidator") hereby requires any person

indebted to Techskil to provide the Liquidator with a statement of account

and payment of the debt to the address shown below on or before October 26,

The Liquidator hereby requires any person in possession of property of

Techskil to deliver the property to the Liquidator on or before October 26,

1998. Books and records should be delivered directly to the address shown

below. With respect to any other property, please contact Susan Shabluk

(403) 267-1250 prior to delivering the property.

The Liquidator hereby further requires that all persons having a claim

against Techskil, whether liquidated, unliquidated, future or contingent,

present particulars of the claim with appropriate supporting documentation

in writing to the Liquidator on or before October 26, 1998.

Dated at Calgary, Alberta, August 26, 1998.

PricewaterhouseCoopers Inc.

Liquidator of Techskil Ltd.

1200-425 1 St SW

Calgary, Alberta T2P 3V7

Telephone: (403) 267-1250

________________________________________________________________________

PUBLIC SALE OF LAND

(Municipal Government Act)

CITY OF GRANDE PRAIRIE

Notice is hereby given that under the provisions of the Municipal

Government Act, the City of Grande Prairie will offer for sale, by public

auction, in the second floor board room at City Hall, Grande Prairie,

Alberta on Friday, November 27, 1998 at 9 a.m. the followi