GEN General Provisions sourcebook

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GEN 1

Appropriate regulator approval and emergencies

GEN 1.1

Application

  • 01/12/2004



[Note: ESMA has also issued guidelines under article 16(3) of the ESMA Regulation covering various topics relating to automated trading and direct electronic access.

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GEN 1.1.1

handbook-rule
  1. (1) This chapter applies to every firm. GEN 1.3 (Emergency) also applies to an unauthorised person to whom a rule in the Handbook applies.
  2. (2) For a UCITS qualifier, this chapter applies only with respect to the communication and approval of financial promotions to which COBS 4 (Communicating with clients, including financial promotion) applies and to the maintenance of facilities to which COLL 9.4 (Facilities in the United Kingdom) applies.

GEN 1.2

Referring to approval by the appropriate regulator

GEN 1.2.1

handbook-guidance
The purpose of GEN 1.2.2 R is to prevent clients being misled about the extent to which the appropriate regulator has approved a firm's affairs.

GEN 1.2.2

handbook-rule
  1. (1) Unless required to do so under the regulatory system, a firm must ensure that neither it nor anyone acting on its behalf claims, in a public statement or to a client, expressly or by implication, that its affairs, or any aspect of them, have the approval or endorsement of the appropriate regulator or another competent authority.
  2. (2) Paragraph (1) does not apply to statements that explain, in a way that is fair, clear and not misleading, that:
    1. (a) the firm is an authorised person;
    2. (b) the firm has permission to carry on a specific activity;
    3. (c) an authorisation order has been made in relation to an AUT or ICVC;
    4. (d) a recognised scheme has that status;
    5. (e) the firm's approved persons have been approved by the appropriate regulator for the purposes of section 59 of the Act (Approval for particular arrangements);
    6. (f) the firm has been given express written approval by the appropriate regulator in respect of a specific aspect of the firm's affairs.
  3. (3) Paragraph (1) applies with respect to the carrying on of both regulated activities and unregulated activities.

GEN 1.2.3

handbook-guidance
GEN 1.2.2 R (2)(f) is confined to written approval because of the need for clarity as to the scope of any approval given by the appropriate regulator.

GEN 1.3

Emergency

  • 01/12/2004

GEN 1.3.1

handbook-guidance
The appropriate regulator recognises that there may be occasions when, because of a particular emergency, a person (generally a firm, but in certain circumstances, for example in relation to price stabilising rules, an unauthorised person) may be unable to comply with a particular rule in the Handbook. The purpose of GEN 1.3.2 R is to provide appropriate relief from the consequences of contravention of such a rule in those circumstances.

GEN 1.3.2

handbook-rule
  1. (1) If any emergency arises which:
    1. (a) makes it impracticable for a person to comply with a particular rule in the Handbook;
    2. (b) could not have been avoided by the person taking all reasonable steps; and
    3. (c) is outside the control of the person, its associates and agents (and of its and their employees);
  2. the person will not be in contravention of that rule to the extent that, in consequence of the emergency, compliance with that rule is impracticable.
  3. (2) Paragraph (1) applies only for so long as:
    1. (a) the consequences of the emergency continue; and
    2. (b) the person can demonstrate that it is taking all practicable steps to deal with those consequences, to comply with the rule, and to mitigate losses and potential losses to its clients (if any).
  4. (3) The person must notify the appropriate regulator as soon as practicable of the emergency and of the steps it is taking and proposes to take to deal with the consequences of the emergency.
  5. (4) A notification under (3) must be given to or addressed and delivered in accordance with SUP 15.7 (Form and method of notification) (whether or not the person is a firm). If the person is not a firm, the notification must be given to or addressed for the attention of: Firm Contact Centre, The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS (tel: 0845 606 9966).

GEN 1.3.3

handbook-guidance
A firm should continue to keep the appropriate regulator informed of the steps it is taking under GEN 1.3.2 R (3), in order to comply with its obligations under Principle 11 (Relations with regulators).

GEN 1.3.4

handbook-guidance
In the context of GEN 1.3.2 R, an action is not practicable if it involves a person going to unreasonable lengths.

GEN 1.3.5

handbook-guidance
GEN 1.3.2 R operates on the appropriate regulator's rules. It does not affect the appropriate regulator's powers to take action against a firm in an emergency, based on contravention of other requirements and standards under the regulatory system. For example, the appropriate regulator may exercise its own-initiative power in appropriate cases to vary a firm's Part 4A permission based on a failure or potential failure to satisfy the threshold conditions (see SUP 7 (Individual requirements) and EG 8 (Variation and cancellation of permission and imposition of requirements on the FCA's own initiative and intervention against incoming firms)).

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GEN 2

Interpreting the Handbook

GEN 2.1

Introduction

Application

GEN 2.1.2

handbook-rule
This chapter applies to every person to whom any provision in the Handbook applies. In relation to a provision other than a rule, the rules in this chapter apply as if they were part of that provision.

The Reader's Guide

GEN 2.1.10

handbook-guidance
The Reader's Guide supplements this chapter. It provides an introduction to the structure and contents of the Handbook and its related materials, explaining how the different modules fit together and how to interpret and use the Handbook.

GEN 2.2

Interpreting the Handbook

  • 01/12/2004

Purposive interpretation

GEN 2.2.1

handbook-rule
Every provision in the Handbook must be interpreted in the light of its purpose.

GEN 2.2.2

handbook-guidance
The purpose of any provision in the Handbook is to be gathered first and foremost from the text of the provision in question and its context among other relevant provisions. The guidance given on the purpose of a provision is intended as an explanation to assist readers of the Handbook. As such, guidance may assist the reader in assessing the purpose of the provision, but it should not be taken as a complete or definitive explanation of a provision's purpose.

Evidential provisions

GEN 2.2.3

handbook-rule

Any rule in the Handbook which has the status letter "E" in the margin or heading:

  1. (1) is to be taken also to provide that contravention of the rule does not give rise to any of the consequences provided for by provisions of the Act other than section 138C (Evidential provisions); and
  2. (2) incorporates the status letter "E" in the margin or heading as part of the rule.

GEN 2.2.4

handbook-guidance
  1. (1) The rules to which section 138C of the Act applies ("evidential provisions") are identified in the Handbook by the status letter "E" in the margin or heading.
  2. (2) Other provisions in the Handbook, although also identified by the status letter "E" in the margin or heading, are actually not rules but provisions in codes and GEN 2.2.3 R does not apply to them. These code provisions are those provisions in the Code of Practice for Approved Persons (APER 3 and APER 4) and the Code of Market Conduct (MAR 1) with the status letter "E".

GEN 2.2.5

handbook-guidance
Chapter 6 of the Reader's Guide contains an explanation of the significance of the status letters R, E, G, D, UK, EU, P and C, and includes further information on Handbook provisions, including evidential provisions.

Use of defined expressions

GEN 2.2.6

handbook-guidance
Expressions with defined meanings appear in italics in the Handbook, unless otherwise stated in individual sourcebooks or manuals.

GEN 2.2.7

handbook-rule

In the Handbook (except IPRU, unless otherwise indicated):

  1. (1) an expression in italics which is defined in the Glossary has the meaning given there; and
  2. (2) an expression in italics which relates to an expression defined in the Glossary must be interpreted accordingly.

GEN 2.2.8

handbook-guidance

Examples of related expressions are:

  1. (1) "advice on investments" and "advise on investments", which should be interpreted by reference to "advising on investments";
  2. (2) "closely linked", which should be interpreted by reference to "close links";
  3. (3) "controls" and "controlled", which should be interpreted by reference to "control"; and
  4. (4) "effect", as for example in "effect a life policy", which should be interpreted by reference to "effecting contracts of insurance".

GEN 2.2.9

handbook-guidance
Unless the context otherwise requires or unless otherwise stated in a particular sourcebook or manual, where italics have not been used, an expression bears its natural meaning (subject to the Interpretation Act 1978; see GEN 2.2.11 R to GEN 2.2.12 G).

GEN 2.2.10

handbook-guidance
The Interim Prudential sourcebooks (IPRU) have individual arrangements for defined terms and each contains rules or guidance on its own arrangements. In respect of those sourcebooks, reliance should not be placed on the definitions which appear in the Glossary unless otherwise indicated.

Application of the Interpretation Act 1978

GEN 2.2.11

handbook-rule
The Interpretation Act 1978 applies to the Handbook.

GEN 2.2.12

handbook-guidance

The application of the Interpretation Act 1978 to the Handbook has the effect, in particular, that:

  1. (1) expressions in the Handbook used in the Act have the meanings which they bear in the Act, unless the contrary intention appears;
  2. (2) where reference is made in the Handbook to an enactment, it is a reference to that enactment as amended, and includes a reference to that provision as extended or applied by or under any other enactment, unless the contrary intention appears; and
  3. (3) unless the contrary intention appears:
    1. (a) words in the Handbook importing the masculine gender include the feminine and words importing the feminine gender include the masculine;
    2. (b) words in the Handbook in the singular include the plural and words in the plural include the singular.

Civil partnership - references to stepchildren etc

GEN 2.2.12A

handbook-rule
Any reference in a provision of the Handbook made before 5 December 2005 to a stepchild, step-parent, stepdaughter, stepson, stepbrother or stepsister is to be interpreted in accordance with section 246 of the Civil Partnership Act 2004.

GEN 2.2.12B

handbook-guidance
GEN 2.2.12A R and sections 246 and 247 of the Civil Partnership Act 2004 amend each reference in the Handbook to a stepchild, step-parent and certain related expressions to take account of civil partnerships. As a result a reference (for example) to a stepchild of a person (A) includes a reference to the child of the civil partner of A where that child is not A's child.

Cross-references in the Handbook

GEN 2.2.13

handbook-rule
A reference in the Handbook to another provision in the Handbook is a reference to that provision as amended from time to time.

GEN 2.2.13A

handbook-rule
Unless a contrary intention appears, to the extent that a provision made by the appropriate regulator ('the referring provision') contains a cross-reference to another provision that is not made by that regulator ('the referred provision'), the referred provision is to be taken to have been made by the appropriate regulator to the extent necessary to make the referring provision function with the full effect indicated by the reference.
  • 01/04/2013

References to writing

GEN 2.2.14

handbook-rule
If a provision in the Handbook refers to a communication, notice, agreement or other document "in writing" then, unless the contrary intention appears, it means in legible form and capable of being reproduced on paper, irrespective of the medium used. Expressions related to writing must be interpreted accordingly.

GEN 2.2.15

handbook-guidance

GEN 2.2.14 R means that, for example, electronic media may be used to make communications which are required by a provision of the Handbook to be "in writing", unless a contrary intention appears, or the use of electronic media would contravene some other requirement. GEN 2.2.14 R does not, however, affect any other legal requirement which may apply in relation to the form or manner of executing a document or agreement.

GEN 2.2.16

handbook-guidance
"Document" is a defined term in the Glossary, the definition of which includes information recorded in any form, including electronic form.

Activities covered by general rules

GEN 2.2.17

handbook-rule

A general rule (that is a rule made by the appropriate regulator under the general rule making powers) is to be interpreted as:

  1. (1) applying to a firm with respect to the carrying on of all regulated activities, except to the extent that a contrary intention appears; and
  2. (2) not applying to a firm with respect to the carrying on of unregulated activities, unless and then only to the extent that a contrary intention appears.

Continuity of authorised partnerships and unincorporated associations

GEN 2.2.18

handbook-rule
  1. (1) If a firm, which is a partnership or unincorporated association, is dissolved, but its authorisation continues to have effect under section 32 of the Act (Partnerships and unincorporated associations) in relation to any partnership or unincorporated association which succeeds to the business of the dissolved firm, the successor partnership or unincorporated association is to be regarded as the same firm for the purposes of the Handbook unless the context otherwise requires.
  2. (2) [deleted]
  3. (3) [deleted]

GEN 2.2.19

handbook-guidance
In principle, it is possible to view a change of partners in a partnership, or a change in the membership of the unincorporated association, as the formation of a new partnership or association. GEN 2.2.18 R reflects section 32 of the Act (Partnerships and unincorporated associations), which provides for the continuing authorisation of partnerships and unincorporated associations following a change in partners or members if certain conditions are satisfied. GEN 2.2.18 R ensures a similar effect to section 32 in relation to the status of the partnership or unincorporated associations as a "firm" or "authorised person" for the purposes of the Handbook.

European Economic Area (EEA)

GEN 2.2.21

handbook-guidance
The agreement on the European Economic Area, signed at Oporto on 2 May 1992, extends certain EU legislation to those EEA States which are not Member States of the EU, namely Norway, Iceland and Liechtenstein. References in the Handbook concerning the territorial scope of EU law should therefore be read as extending throughout the EEA where the context requires.

Treaty of Lisbon

GEN 2.2.22

handbook-guidance
As a result of the Treaty of Lisbon, the European Union has replaced and succeeded the European Community. References in the Handbook to the European Community should therefore be interpreted as references to the European Union, where the context requires. In particular, references which are copied out directly from EU or UK legislation may contain references to the Community which should be read in conjunction with section 3 of the European Union (Amendment) Act 2008.

Application of provisions made by both the FCA and the PRA

GEN 2.2.23

handbook-rule
  1. (1) This rule applies to Handbook provisions made by both the FCA and the PRA. It may affect their application by the FCA to PRA-authorised persons and PRA approved persons, and may affect their application by the PRA to any authorised person or approved person.
  2. (2) Where a Handbook provision (or part of one) goes beyond the FCA's or PRA's powers or regulatory responsibilities, it is to be interpreted as applied by that regulator to the extent of that regulator's powers and regulatory responsibilities only.
  3. (3) The extent of a Handbook provision is to be interpreted as cut back under GEN 2.2.23R (2) by the minimum degree necessary.
  • 01/04/2013

GEN 2.2.24

handbook-guidance
The published Memorandum of Understanding between the FCA and the PRA describes their regulatory responsibilities.
  • 01/04/2013

GEN 2.2.25

handbook-guidance

Examples of rules being interpreted as cut back by GEN 2.2.23 R include the following:

  1. (1) BIPRU 4 imposes capital requirements that, for a PRA-authorised person such as a bank, are the exclusive responsibility of the PRA; accordingly this section is not applied by the FCA to a PRA-authorised person.
  2. (2) SYSC 6.1.1 R requires a firm to maintain adequate policies and procedures to ensure compliance with its obligations under the regulatory system; SYSC 6.1.1 R should be interpreted:
    1. (a) as applied by the FCA in respect of a PRA-authorised person's compliance with regulatory obligations that are the responsibility of the FCA (for example, in respect of a bank maintaining policies and procedures to ensure compliance with banking conduct requirements in BCOBS); and,
    2. (b) as applied by the PRA in respect of a PRA-authorised person's compliance with those regulatory obligations that are the responsibility of the PRA (for example, in respect of a bank maintaining policies and procedures to ensure compliance with financial resources requirements in BIPRU).
  3. (3) COMP 5.2.1 R sets out types of protected claims to be covered by the FSCS. The powers of the FCA and the PRA to make this type of rule are set out in the order made under section 213(1A) of the Act. The rule must be read as applying only to the extent of those powers. For example, the PRA has no power to make COMP 5.2.1 R (3) creating protected claims in connection with protected investment business, and the FCA has no power to make COMP 5.2.1 R (1) as creating protected claims for a protected deposit. As such, those provisions are to be interpreted as not applied by the PRA and FCA, respectively.

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GEN 4

Statutory status disclosure

GEN 4.1

Application

Who? What?

GEN 4.1.1

handbook-rule

This chapter applies to every firm and with respect to every regulated activity, except that:

  1. (1) for an incoming ECA provider, this chapter does not apply when the firm is acting as such;
  2. (2) for an incoming EEA firm which has permission only for cross-border services and which does not carry on regulated activities in the United Kingdom, this chapter does not apply;
  3. (3) for an incoming firm not falling under (1) or (2), this chapter does not apply to the extent that the firm is subject to equivalent rules imposed by its Home State;
  4. (4) for a UCITS qualifier, this chapter does not apply; and
  5. (5) only GEN 4.5 (Statements about authorisation and regulation by the appropriate regulator) applies in relation to MiFID or equivalent third country business and only where that MiFID or equivalent third country business is not business falling within paragraph 2 (Transactions between an MTF operator and its users), 3 (Transactions concluded on an MTF) or 4 (Transactions concluded on a regulated market) of Part 1 of COBS 1 Annex 1.

Where?

GEN 4.1.2

handbook-rule
GEN 4.3 (Letter disclosure) applies in relation to activities carried on from an establishment maintained by the firm (or by its appointed representative) in the United Kingdom, subject to GEN 4.3.4 R (Exception: insurers).

GEN 4.1.3

handbook-rule
GEN 4.4 (Business for private customers from non-UK offices) applies in connection with a regulated activity carried on from an establishment of the firm (or its appointed representative) that is not in the United Kingdom.

GEN 4.1.4

handbook-rule
GEN 4.5 (Statements about authorisation and regulation by the appropriate regulator) applies in relation to activities carried on from an establishment maintained by the firm (or by its appointed representative) in the United Kingdom, provided that, in the case of the MiFID business of an EEA MiFID investment firm or the activities of an EEA UCITS management company, it only applies to business conducted within the territory of the United Kingdom.

GEN 4.2

Purpose

  • 01/12/2004

GEN 4.2.1

handbook-guidance
This chapter requires the provision of appropriate minimum information about the identity of the regulator that authorised a firm. It also governs the way in which a firm may describe its regulation by the appropriate regulator.

GEN 4.2.1C

handbook-guidance
This chapter assists in the achievement the PRA's general objective to ensure the safety and soundness of firms.
  • 01/04/2013

GEN 4.3

Letter disclosure

  • 01/12/2004

Disclosure in letters to retail clients

GEN 4.3.1

handbook-rule
A firm must take reasonable care to ensure that every letter (or electronic equivalent) which it or its employees send to a retail client, with a view to or in connection with the firm carrying on a regulated activity, includes the disclosure in GEN 4 Annex 1 (firms that are not PRA-authorised persons) or GEN 4 Annex 1AR (PRA-authorised persons) as applicable.

GEN 4.3.1A

handbook-guidance

Where a letter covers both activities to which this section applies and activities to which this section does not apply, the firm should comply with the rules in this chapter in relation to the business to which it applies.

GEN 4.3.2B

handbook-guidance
For a UK domestic firm that is a PRA-authorised person, the required disclosure in GEN 4 Annex 1AR is "Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority".

GEN 4.3.3

handbook-guidance
  1. (1) GEN 4.3.1 R (Disclosure in letters to retail clients) covers letters delivered by hand, sent by post and sent by fax and also electronic mail, but not text messages, account statements, business cards or compliment slips (used as such).
  2. (2) GEN 4.3.1 R (Disclosure in letters to retail clients) applies in relation to letters sent by any of the firm's employees, which includes its appointed representatives and their employees.
  3. (3) Firms are likely to find it convenient to include the required disclosure in their letterhead.

Exception: insurers

GEN 4.3.4

handbook-rule

GEN 4.3.1 R (Disclosure in letters to retail clients) does not apply in relation to:

  1. (1) general insurance business if:
    1. (a) the State of the risk is an EEA State other than the United Kingdom; or
    2. (b) the State of the risk is outside the EEA and the client is not in the United Kingdom when the contract of insurance is entered into; or
  2. (2) long-term insurance business if:
    1. (a) the client is habitually resident in an EEA State other than the United Kingdom; or
    2. (b) the client is habitually resident outside the EEA and is not present in the United Kingdom when the contract of insurance is entered into.

GEN 4.4

Business for retail clients from non-UK offices

GEN 4.4.1

handbook-rule
  1. (1) If, in any communication:
    1. (a) made to:
      1. (i) (in relation to a non-investment insurance contract) a consumer;
      2. (ii) (in relation to a home finance transaction) a customer; or
      3. (iii) (in all other cases) a retail client; and
    2. (b) in connection with a regulated activity carried on from an establishment of the firm (or its appointed representative) that is not in the United Kingdom;
  2. the firm indicates that it is an authorised person, it must also, where relevant, and with equal prominence, give the information in (2) in writing.
  3. (2) The information required is that in some or all respects the regulatory system applying will be different from that of the United Kingdom. The firm may also indicate the protections and complaints or compensation arrangements available under another relevant system of regulation.
  4. (3) A firm need not provide the information required by (1) if it has already provided it in writing to the customer to whom the communication is made.

GEN 4.5

Statements about authorisation and regulation by the appropriate regulator

Application

GEN 4.5.1

handbook-rule

This section applies to a firm:

  1. (1) communicating with a customer; or
  2. (2) communicating or approving a financial promotion other than:
    1. (a) a financial promotion that would benefit from an exemption in the Financial Promotion Order if it were communicated by an unauthorised person;
    2. (b) a promotion of an unregulated collective investment scheme that would breach section 238(1) of the Act if made by an authorised person (firms may not communicate or approve such promotions).

GEN 4.5.2

handbook-guidance
GEN 4.5.1R (1) does not apply to a firm when communicating with an eligible counterparty.

The duty

GEN 4.5.3A

handbook-rule
A firm must not indicate or imply that it is authorised by the PRA in respect of business for which it is not so authorised.
  • 01/04/2013

GEN 4.5.4A

handbook-rule
A firm must not indicate or imply that it is regulated or otherwise supervised by the PRA in respect of business for which it is not regulated by the PRA.
  • 01/04/2013

GEN 4.5.5

handbook-guidance
SUP 13A Annex 1 provides guidance on the application of the Handbook to an incoming EEA firm.

GEN 4.5.6

handbook-guidance
  1. (1) Neither an incoming EEA firm nor an incoming Treaty firm is authorised by the FCA or PRA when acting as such.
  2. (2) It is likely to be misleading for a firm that is not authorised by the FCA or PRA to state or imply that it is so authorised. It is also likely to be misleading for a firm to state or imply that a client will have recourse to the Financial Ombudsman Service or the FSCS where this is not the case.
  3. (3) [deleted]

GEN 4 Annex 1A

Statutory status disclosure (PRA-authorised persons)

  • 01/04/2013

handbook-rule
This rule applies to firms that are PRA-authorised persons:
  • 01/04/2013

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GEN 6

Insurance against financial penalties

GEN 6.1

Payment of financial penalties

Application

GEN 6.1.1

handbook-rule
This chapter applies to every firm, but only with respect to business that can be regulated under sections 137A (The FCA's general rules) and 137G (The PRA's general rules) of the Act.

GEN 6.1.2

handbook-guidance
For the purposes of GEN 2.2.17 R (Activities covered by general rules), the chapter applies to regulated and unregulated activities carried on in the United Kingdom or overseas.

Purpose

GEN 6.1.3

handbook-guidance
The purpose of this section is to ensure that financial penalties are paid by the person on whom they are imposed.

Interpretation

GEN 6.1.4

handbook-rule
In this chapter 'financial penalty' means a financial penalty that the appropriate regulator has imposed, or may impose, under the Act. It does not include a financial penalty imposed by any other body.

Payment of a penalty imposed on an employee

GEN 6.1.4A

handbook-rule
No firm, except a sole trader, may pay a financial penalty imposed by the appropriate regulator on a present or former employee, director or partner of the firm or of an affiliated company.

Insurance against financial penalties

GEN 6.1.5

handbook-rule
No firm may enter into, arrange, claim on or make a payment under a contract of insurance that is intended to have, or has or would have, the effect of indemnifying any person against all or part of a financial penalty

GEN 6.1.6

handbook-rule
The Society, managing agents and members' agents must not cause or permit any member, in the conduct of his insurance business at Lloyd's, to enter into, arrange, claim on or make a payment under a contract of insurance that is intended to have, or has or would have, the effect of indemnifying any person against all or part of a financial penalty.

GEN 6.1.7

handbook-guidance
GEN 6.1.4A R, GEN 6.1.5 R and GEN 6.1.6 R do not prevent a firm or member from entering into, arranging, claiming on or making any payment under a contract of insurance which indemnifies any person against all or part of the costs of defending appropriate regulator enforcement action or any costs they may be ordered to pay to the appropriate regulator.

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Transitional Provisions and Schedules

GEN TP 2

Transitional Provisions applying across the FCA and PRA Handbooks

Table: 1 Transitional Provisions applying across the FCA and PRA Handbooks

Table 2: Transitional Provisions applying across the FCA and PRA Handbooks

  • 01/04/2013

GEN Sch 1

Record keeping requirements

  • 01/12/2004

GEN Sch 1.1

handbook-guidance

GEN Sch 2

Notification requirements

  • 01/12/2004

GEN Sch 2.1

handbook-guidance

GEN Sch 2.2

handbook-guidance

GEN Sch 3

Fees and other required payments

  • 01/12/2004

GEN Sch 3.1

handbook-guidance

GEN Sch 6

Rules that can be waived

  • 01/12/2004

GEN Sch 6.1B

handbook-guidance
  • 01/04/2013

GEN Sch 6.2

handbook-guidance
  • 01/04/2013

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