Things to Remember. ⮚ Before signing a contract, make sure you read it. You are responsible for everything you sign! Not reading a contract or being a senior citizen is not a defense. ⮚ Don’t sign anything with blank spaces. ⮚ Make sure you understand the terms of the contract. ⮚ If you have any questions about the contract, have someone else review it with you. ⮚ Agreements in writing are best; oral agreements are hard to prove. ⮚ If you give cash, get a receipt. ⮚ Purchase items on a credit card (you have 60 days to dispute the charges). ⮚ Keep copies of everything you sign. You take a big risk when co-signing a loan. If the person you co-sign for cannot or will not pay back the loan, you have to. Otherwise you may be sued and, in some cases, could even lose your house. Before co-signing a loan, be sure you can afford to pay if you have to, and that you want to accept this responsibility. Many phone sales pitches are made by legitimate companies offering real products and services. However, many sales calls are not. It is hard to tell over the telephone if the company calling you is legitimate. Consumers lose in excess of $40 billion a year to telemarketing fraud. ⮚ Calling times are restricted to the hours between 8 a.m. and 9 p.m. ⮚ It is illegal for telemarketers to call you again if you have asked to be placed on their “do not call” list. ⮚ It is illegal for telemarketers to misrepresent information. ⮚ If you are being pressured by the sales person, hang up! ⮚ Beware of someone who tries to rush you or tells you the offer is only available for a limited time. A legitimate company will not do this. ⮚ Do not give anyone personal information like your social security number or bank account numbers over the telephone. ⮚ If you have doubts about the offer, ask for information to be mailed to you and then decide if you will make a purchase.
Things to Remember. ⮚ Do not send money to receive the prize; the prize will often be overpriced or worthless.
Things to Remember. The commissary facility must be acceptable for the food volume and preparation methods used and have the necessary equipment and storage capabilities for the operation.
Things to Remember. ❒ Complete all of the sections on the Participation Agreement that apply to your request. ❒ Remember to have your funding options total 100%, in whole percentages, when completing the Funding Options section. ❒ Complete the Authorization section, and remember to sign and date this Participation Agreement. ❒ Enclose the completed Participation Agreement, and any other documentation in the business reply envelope included with this booklet. ❒ Pre-tax and Xxxx contributions will use the same investment election and allocation. If you wish to have different selections, call us at 1-888- DC4-LIFE (888-324-5433). ❒ Earnings from designated Xxxx contributions may be subject to income taxes and penalties upon distribution if the distribution is deemed to be Non-Qualified. A Qualified distribution is one that the contributions are held in the Designated Xxxx Account for 5 consecutive tax years and the participant is at least age 59 ½, has become disabled or has died. In addition, Designated Xxxx Accounts which are rolled over into this account may be subject to income taxes and penalties if they are deemed Non-Qualified. Designated Xxxx Contributions are generally not subject to income taxes or penalties. = Denotes an important note or critical information. Please read any disclosures noted by the this flag. ❒ Check here if this is a name change (proof of name change must be attached) ❒ Check here if this is a new address ❒ New ❒ Change ❒ Reinstatement NOTE: All increases, decreases and suspensions will be implemented no sooner than the first payroll of the month following the change. Please remember to check your paystub to confirm your selected contributions are accurately reflected and being processed. ContributionSummary & PayrollFrequency Contribution Amount - 457 Pre-tax
Things to Remember. Keep air-intake clean of debris and do not touch the muffler or cylinder. These parts get extremely hot from operation, and remain hot for a short time after the equipment is turned off.
Things to Remember. Watch for financial results that seem inconsistent with underlying performance or transactions with no clear business purpose. • Answer all inquiries from Wal-Mart’s management, internal and external auditors and internal investigators accurately and completely. Do not suppress or withhold relevant information. • Retain documents in accordance with applicable laws, regulations or court orders and in compliance with all internal retention policies and directives. • Wal-Mart is required by law to retain all complaints received regarding accounting, internal audit controls, or auditing matters. Complaints regarding these subjects must be forwarded immediately to the Internal Audit Department. • Never sign a document that you believe to be inaccurate or untruthful. • Be alert for any attempts to circumvent internal controls. • Follow Wal-Mart directions and guidelines for product pricing, markups and markdowns.
Things to Remember. It is your responsibility to disclose to your immediate supervisor any situation that you believe creates or could create a conflict of interest. • Supervisors are encouraged to then bring the matter to the attention of the Ethics Office who will determine how to proceed. • When in doubt, disclose the facts and get advice before acting. Certain Wal-Mart senior officers are subject to an additional conflicts of interest policy known as the “Transaction Review Policy.”
Things to Remember. Any gift or gratuity received from a supplier must be returned with an explanation of this policy. • Where return is impractical, any gift that is not returned becomes the property of Wal-Mart. • Any offer of a gift or gratuity must be reported to your supervisor.
Things to Remember. Do not disclose confidential information to anyone outside the Company without the express written approval of the People Department (in the case of information about an Associate) or the Legal Department (in all other cases). • Disclose confidential information to other Associates only for legitimate business purposes. • Handle all confidential information with care to avoid inadvertent or careless disclosure. • Secure or password protect all files or records containing confidential information as necessary to protect the confidentiality of that information. • For information regarding protected health information refer to Wal-Mart’s HIPAA Privacy Policy, PD-59, or the corresponding national or local policy. Wal-Mart has invested in the development of systems, processes, products, know-how and technology that have made us a leader in the retail industry and give us a competitive edge. We call this information, know-how and technology our “trade secrets.” All trade secrets must be kept confidential and secure. In addition to protecting our own trade secrets, it is our policy to respect the trade secrets of others. No Associate may reveal the trade secrets of the companies with which we conduct business. Associates should also keep the trade secrets of their former employers confidential. Wal-Mart will not tolerate the violation of confidentiality or secrecy agreements or the improper acquisition of protected information.
Things to Remember. Always protect and maintain the confidentiality of our trade secrets. • If you have a question as to whether information is a trade secret, ask your supervisor. • If your supervisor has questions, he or she should contact the Legal Department. • Any creations or inventions that you make as a Wal-Mart Associate are the property of Wal-Mart, where permitted by law. In furtherance of this policy, you may be required to sign an invention disclosure that gives ownership of any such creations or inventions to Wal-Mart.
