Copyright and Disclaimer Print  


Alberta Regulation 102/2004
Marketing of Agricultural Products Act
ALBERTA MILK PLAN MINIMUM PRICE FOR 
SUB-CLASS 1A MILK ORDER
Filed: June 1, 2004
Made by the Alberta Energy and Utilities Board on May 21, 2004 pursuant to section  
5(4) of the Alberta Milk Plan Regulation (AR 150/2002). 
1   The minimum price for sub-class 1a milk to be paid by processors 
for a hectolitre of sub-class 1a milk is $68.13.

2   The Alberta Milk Plan Minimum Price for Sub-class 1a Milk Order 
(AR 309/2003) is repealed.

2   This Order comes into force on June 16, 2004.


--------------------------------
Alberta Regulation 103/2004
Cancer Programs Act
CANCER PROGRAMS AMENDMENT REGULATION
Filed: June 3, 2004
Made by the Minister of Health and Wellness (M.O. 54/2004) on May 27, 2004 
pursuant to sections 16 and 22 of the Cancer Programs Act. 
1   The Cancer Programs Regulation (AR 242/98) is 
amended by this Regulation.

2   The Schedule is repealed and the following Schedule is 
substituted:
Schedule 
Drug
Group
Dosage 
Form 

Criteria
13 Cis-RETINOIC ACID
2
capsules
Pediatrics 
- restricted to the treatment 
of advanced stage 
neuroblastoma following 
POG/CCG Protocols 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the pediatric tumour program
ALL-TRANS RETINOIC ACID
2
capsules
 - restricted to treatment of 
acute promyelocytic 
leukemia 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology/lymphoma 
tumour program or the 
pediatric tumour program
AMSACRINE
2
injectable

ANAGRELIDE
1
capsules
 - for thrombocytosis due to 
myeloproliferative disorder 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology/lymphoma 
tumour program
ANASTROZOLE
1
tablets
 - for post-menopausal 
patients with receptor-
positive, metastatic breast 
cancer who have progressed 
or have experienced severe 
side effects on prior hormone 
therapy

2
tablets
Breast Cancer Adjuvant 
 - for adjuvant use in invasive 
breast cancer patients who 
are post-menopausal, 
hormone receptor positive in 
whom tamoxifen is 
contraindicated or not 
tolerated 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program
ASPARAGINASE
1
injectable

BCG
1
injectable
 - bladder carcinoma
BICALUTAMIDE
1
tablets
 - restricted to patients who 
are intolerant to Nilutamide 
or Flutamide 
 - approved dosage is 50 mg 
daily
BLEOMYCIN
1 
2
injectable 
pump

BUSERELIN
1
injectable
 - prostate cancer 
 - Restricted to: 
Stage II (T2a-T2c): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Neoadjuvant use pre radical 
prostatectomy (4 months pre) 
Stage III (T3a-T4b): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Adjuvant use (3 years post 
RT) 
Stage IV (N1-N3) 
(M1-M1c): As monotherpy 
in medical castration. 
In total androgen blockade 
(medical castration and 
nonsteriodal antiandrogen) 
 - Guidelines for LHRH use 
in the above stated stages 
include: LHRH agonists are 
indicated for use in patients 
at risk of thromboembolic 
disease, strokes (CVA), 
myocardial infarction and 
also for consideration in 
patients with dyslipidemia, 
hypertension, diabetes 
mellitus or where a patient is 
considered intolerant to 
cyproterone acetate or 
megestrol acetate
BUSULFAN
1
tablets

CAPECITABINE
2
oral
 - metastatic or advanced 
breast cancer (with or 
without prior anthracycline 
exposure) 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the breast tumour program

2
oral
 - option in first line 
treatment of advanced or 
metastatic colorectal cancer 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the GI 
tumour program
CARBOPLATIN
1
injectable

CARMUSTINE
1
injectable, 
topical

CHLORAMBUCIL
1
tablets

CISPLATIN
1
injectable

CLADRIBINE
2
injectable
 - restricted to treatment of 
hairy cell leukemia 
 - Waldenstrom's 
macroglobulinemia 
 - hematologic malignancies 
(histocytosis-X, cutaneous 
T-cell lymphoma, systemic 
mast cell disease) 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology/lymphoma 
tumour program

3
injectable
POG Protocol 9720 
prescribing limited to written 
authorization by physicians 
recommended by the 
pediatric tumour program
CLODRONATE
1
oral
 - treatment of osteolytic 
bone lesions in metastatic 
breast cancer
CYCLOPHOSPHAMIDE
1
injectable, 
tablets

CYPROTERONE
1
tablets

CYTARABINE
1
injectable

CYTARABINE LIPOSOMAL
3
injectable
 - for intrathecal management 
of neoplastic meningitis due 
to solid tumours or 
lymphoma
DACARBAZINE
1
injectable

DACTINOMYCIN
1
injectable

DAUNORUBICIN
1
injectable

DEXAMETHASONE
1
injectable, 
tablets
 - antiemetic use NOT 
covered
DOCETAXEL
2
injectable
 - treatment of metastatic 
breast cancer after failure of 
any previous chemotherapy 
regimen 
- as a single agent or in 
combination, as an option for 
first line treatment of 
metastatic breast cancer 
 - only one taxane is to be 
administered to any one 
patient 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program

2
injectable
Breast Neoadjuvant 
 - following a neoadjuvant 
anthracycline containing 
regimen in locally advanced 
(Stage IIIA or IIIB) breast 
cancer 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program

2
injectable
Breast Adjuvant 
 - (with doxorubicin and 
cyclophosphamide (TAC)) as 
an adjuvant treatment of 1-3 
node positive breast cancer 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program

2
injectable
 - 2nd line therapy in patients 
with advanced or metastatic 
non-small cell lung cancer 
with good performance status 
(ECOG 0-2) and no 
symptomatic or uncontrolled 
brain metastases 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the lung 
tumour program
DOXORUBICIN
1
injectable

DOXORUBICIN LIPOSOMAL
2
injectable
 - Kaposi's sarcoma

2
injectable
 - 2nd or 3rd line treatment of 
ovarian cancer, fallopian tube 
carcinoma and primary 
peritoneal neoplasms 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
gynecology tumour program
EPIRUBICIN
2
injectable
Breast Cancer 
 - adjuvant (node positive) 
and neoadjuvant (stage II and 
III) treatment of pre- and 
post-menopausal breast 
cancer patients 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program

2
injectable
Esophagogastric Cancer 
 - used (in combination with 
cisplatin and fluorouracil) in 
the treatment of locally 
advanced or metastatic 
esophagogastric cancer in 
patients with good 
performance status

3
injectable
NCIC MA21 Trial 
 - use as adjuvant treatment 
in NCIC MA21 Trial 
 - prescribing limited to 
written authorization by 
clinical trial principal 
investigator(s) or co-
investigators
ESTRAMUSTINE
1
capsules

ETOPOSIDE
1
injectable, 
capsules

EXEMESTANE
1
oral
 - for post-menopausal 
patients with 
receptor-positive, 
advanced/metastatic breast 
cancer that have progressed 
or have experienced severe 
side effects on prior hormone 
therapy
FLUDARABINE
2
injectable, 
tablets
 - previously treated or 
untreated chronic 
lymphocytic leukemia 
 - low grade lymphoma 
 - Waldenstrom's 
macroglobulinemia 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology tumour 
program
FLUOROURACIL
1 
 
2
injectable, 
cream 
pump

FLUTAMIDE
1
tablets
 - prostate cancer
GEMCITABINE
2
injectable
Non-small Cell Lung Cancer 
 - patients who are unable to 
tolerate vinorelbine or 
paclitaxel containing 
regimens with documented 
reason for intolerance 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the lung tumour program

2
injectable
Bladder Cancer 
 - Gemcitabine/Cisplatin as 
first line chemotherapy in 
locally advanced/metastatic 
bladder cancer 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the GU tumour program

2
injectable
Pancreas 
 - locally advanced or 
metastatic adenocarcinoma 
of the pancreas 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the GI tumour program

2
injectable
Hematology 
 - Gemcitabine, 
Dexamethasone, Cisplatin 
for relapsed or refractory 
Hodgkins or Non-Hodgkins 
Lymphoma (GDP regimen) 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
hematology/lymphoma 
program
GOSERELIN
1
injectable
 - prostate cancer 
 - Restricted to: 
Stage II (T2a-T2c): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Neoadjuvant use pre radical 
prostatectomy (4 months pre) 
Stage III (T3a-T4b): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Adjuvant use (3 years post 
RT) 
Stage IV (N1-N3) 
(M1-M1c): As monotherpy 
in medical castration 
In total androgen blockade 
(medical castration and 
nonsteriodal antiandrogen) 
 - Guidelines for LHRH use 
in the above stated stages 
include: LHRH agonists are 
indicated for use in patients 
at risk of thromboembolic 
disease, strokes (CVA), 
myocardial infarction and 
also for consideration in 
patients with dyslipidemia, 
hypertension, diabetes 
mellitus or where a patient is 
considered intolerant to 
cyproterone acetate or 
megestrol acetate

2
injectable
 - breast cancer. 2nd line 
hormonal therapy for 
recurrent or metastatic 
disease in either or both 
estrogen and progesterone 
receptor positive pre and 
perimenopausal patients after 
tamoxifen failure 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the breast tumour program
HYDROCORTISONE SODIUM 
SUCCINATE
 
1
 
injectable
 
 - intrathecal use only
HYDROXYUREA
1
capsules

IDARUBICIN
3
injectable
POG Protocol 9720
- prescribing limited to 
written authorization by 
physicians recommended by 
the pediatric tumour program
IFOSFAMIDE
1 
2
injectable 
pump

IMATINIB
2
capsules
 - for surgically unresectable 
or metastatic gastrointestinal 
stromal tumour (GIST) 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the tumour 
program

2
capsules
Hematology 
 - Philadelphia-chromosome 
positive leukemia (including 
disease situations such as 
first chronic phase chronic 
myelogenous leukemia 
(CML), accelerated phase 
CML, blast crisis phase 
CML, acute lymphoblastic 
leukemia, or other leukemias 
that have the characteristic 
t(9;22) translocation detected 
by cytogenetics, FISH 
analysis, or PCR-positive for 
bcr-abl oncogene) 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
hematology/lymphoma 
program
INTERFERON 
 
 
  - alpha 2a or 2b 
 
  - alpha 2b in new patients "03-
04"
1
injectable
 - cladribine-resistant hairy 
cell leukemia 
 - Kaposi's sarcoma 
 - chronic myelogenous 
leukemia 
 - metastatic renal cell 
carcinoma 

INTERFERON 
  alpha 2a ONLY
1
injectable
 - mycosis fungoides and 
sezary syndrome (cutaneous 
T-cell lymphomas) 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology/lymphoma 
tumour program
INTERFERON 
 alpha 2b ONLY
1
injectable
- basal cell carcinoma 
 - adjuvant treatment of high 
risk melanoma

1
injectable
Superficial Bladder Cancer 
 - Interferon alone - second 
line treatment or first line in 
those with a documented 
intolerance or 
contraindication (i.e., 
immunosuppression or other) 
to BCG 
 - Interferon in combination 
with BCG - second line 
treatment

2
injectable
 - treatment of patients with 
malignant carcinoid and 
neuroendocrine 
gastroenteropancreatic 
tumours not amenable to 
surgical extirpation 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the GI and endocrine tumour 
programs

2
injectable
 - maintenance therapy in 
multiple myeloma patients 
who have achieved complete 
remission after high dose 
chemotherapy and 
autologous stem cell 
transplant 
 - follicular lymphoma and 
need for therapy as indicated 
by any of: mass >7 cm or 3 
sites >3 cm, Bsx, 
splenomegaly @ umbilicus, 
compression syndromes (GI, 
GU, orbit), effusions 
cytopenias, Age < 70 yo 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the hematology/lymphoma 
tumour program
IRINOTECAN 
 
*  NOTE: 
Loperamide supplied by industry 
with this agent's use
2
injectable
Metastatic Colorectal Cancer 
 - first line (with 5FU and 
leucovorin) 
 - 2nd line after failure of 
thymidilate synthase 
inhibitors (e.g., 5 
fluorouracil, raltitrexed, or 
capecitabine) 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the GI tumour program

2
injectable
Pediatrics 
 - restricted to the treatment 
of high risk metastatic 
rhabdomyosarcomas 
following POG/CCG 
protocols 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the pediatric tumour program
LETROZOLE
1
tablets
 - first line therapy for 
hormone receptor positive 
post-menopausal metastatic 
breast cancer
LEUCOVORIN CALCIUM
1
injectable, 
tablets
 - rescue therapy for 
methotrexate only 
 - in combination with 5FU
LEUPROLIDE
1
injectable
 - prostate cancer 
 - Restricted to: 
Stage II (T2a-T2c): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Neoadjuvant use pre radical 
prostatectomy (4 months pre) 
Stage III (T3a-T4b): 
Neoadjuvant use pre RT (2 
months pre and during RT). 
Adjuvant use (3 years post 
RT) 
Stage IV (N1-N3) 
(M1-M1c): As monotherpy 
in medical castration. 
In total androgen blockade 
(medical castration and 
nonsteriodal antiandrogen) 
 - Guidelines for LHRH use 
in the above stated stages 
include: LHRH agonists are 
indicated for use in patients 
at risk of thromboembolic 
disease, strokes (CVA), 
myocardial infarction and 
also for consideration in 
patients with dyslipidemia, 
hypertension, diabetes 
mellitus or where a patient is 
considered intolerant to 
cyproterone acetate or 
megestrol acetate
LOMUSTINE
1
capsules

MECHLORETHAMINE
1
injectable, 
topical

MEDROXYPROGESTERONE 
ACETATE
1
tablets, 
injectable

MEGESTROL ACETATE
1
tablets

MELPHALAN
1
tablets

MERCAPTOPURINE
1
tablets

MESNA
1
injectable

METHOTREXATE
1
injectable, 
tablets

MITOMYCIN
1
injectable
NOTE:  3rd line for bladder 
cancer indication
MITOXANTRONE
1
injectable

NANDROLONE DECANOATE
1
injectable

NILUTAMIDE
1
tablets
 - prostate cancer
PACLITAXEL
2
injectable
Ovarian Cancer 
 - first line treatment of 
ovarian cancer (irrespective 
of the stage of disease or 
amount of residual disease), 
fallopian tube carcinoma, 
primary peritoneal neoplasms 
and papillary serous and 
clear cell endometrial 
carcinomas 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the gynecology tumour 
program

2
injectable
Endometrial Cancer 
 - restricted for use in 
metastatic, advanced or 
recurrent endometrial cancer 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
gynecology tumour program

2
injectable
Lung Cancer 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the lung tumour program

2
injectable
Breast Cancer 
 - restricted to the treatment 
of metastatic breast cancer 
when no response to 
anthracycline (doxorubicin, 
epirubicin, or mitoxantrone) 
containing regimen. Relapse 
within 1 year after 
completion of adjuvant 
chemotherapy including an 
anthracycline. First 
assessment of efficacy after 2 
courses 
 - only one taxane is to be 
administered to any one 
patient 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the breast tumour program

2
injectable
Breast Cancer Adjuvant 
 - Doxorubicin/ 
Cyclophosphamide followed 
by Paclitaxel as an option for 
adjuvant therapy of Stage II, 
node positive or high risk 
node negative breast cancer 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
tumour program

2
injectable
Testes 
 - 2nd line regimen for 
relapsed germ cell tumours 
of the testes

2
injectable
 - in combination 
chemotherapy for unknown 
primary metastatic 
adenocarcinoma 
 - prescribing limited to 
written authorization by 
named physicians as 
recommended by the breast 
and hematology tumour 
programs

3
injectable
Breast Cancer Adjuvant 
- Epirubicin/Cyclophos-
phamide followed by 
Paclitaxel for patients treated 
on the experimental arm of 
NCIC clinical trial MA 21 
- prescribing limited to 
written authorization by a 
clinical trial principal 
investigator or 
co-investigator
PAMIDRONATE
1
injectable
- treatment of multiple 
myeloma
PREDNISOLONE SODIUM 
PHOSPHATE
1
liquid
- first line agent for pediatric 
patients under 7 years of age 
- 2nd-line agent for pediatric 
patients 7 years and older 
unable to tolerate prednisone 
tablets
PREDNISONE
1
tablets

PROCARBAZINE
1
capsules

RALTITREXED
2
injectable
- treatment of metastatic 
colorectal cancer 
 - prescribing limited to 
written authorization by 
physicians recommended by 
the GI tumour program
RITUXIMAB
2
injectable
 - relapsed or refractory, low 
grade or follicular, CD20 
positive, B-cell, 
non-Hodgkin's  lymphoma 
- prescribing limited to 
written authorization by 
physicians recommended by 
the lymphoma tumour 
program

2
injectable
- in combination with CHOP 
for aggressive histology 
B-cell CD20 positive 
non-Hodgkin's lymphoma 
(any stage or age) 
- prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
hematology/lymphoma 
tumour program

2
injectable
 - for Post Transplant 
Lymphoproliferative 
Disorders (PTLD) 
- prescribing limited to 
written authorization by 
named physicians as 
recommended by the 
hematology tumour program
STREPTOZOCIN
1
injectable

TAMOXIFEN
1
tablets

TEMOZOLOMIDE
2
oral
 - first-line treatment of 
recurrent glioblastoma 
multiforme and anaplastic 
astrocytoma 
- prescribing limited to 
written authorization by 
physicians recommended by 
the neuro oncology tumour 
program
TENIPOSIDE
1
injectable

THIOGUANINE
1
tablets

THIOTEPA
2
injectable

TOPOTECAN
2
injectable
Ovarian 
- 2nd line therapy of ovarian 
cancer, fallopian tube 
carcinoma and primary 
peritoneal neoplasms 
- prescribing limited to 
written authorization by 
physicians recommended by 
the gynecology tumour 
program 
Pediatrics 
- restricted to the treatment 
of advanced stage 
neuroblastoma following 
POG/CCG Protocols 
- restricted to the treatment 
of intermediate risk 
rhabdomyosarcoma 
following POG/CCG 
protocols 
- prescribing limited to 
written authorization by 
physicians recommended by 
the pediatric tumour program
TRASTUZUMAB
2
injectable
Metastatic Breast 
- restricted to the treatment 
of metastic breast cancer, 
HER 2 protein 
overexpression (+3) by IHC, 
or HER 2 amplification by 
FISH 
- prescribing limited to 
written authorization by 
physicians recommended by 
the breast tumour program
VALRUBICIN
2
injectable
 - for BCG refractory 
carcinoma in situ, defined as 
persistent disease after 2 
courses of BCG or 
intolerance (severe side 
effects, immunosuppression, 
etc.) to treatment with BCG
VINBLASTINE
1
injectable

VINCRISTINE
1
injectable

VINORELBINE
2
injectable
Lung Cancer 
- restricted to the treatment 
of advanced or metastatic 
non-small cell lung cancer 
with an ECOG score of 2 or 
better 
- prescribing limited to 
written authorization by 
physicians recommended by 
the lung tumour program

2
injectable
Metastatic Breast 
- first-line therapy for elderly 
patients (over 65 years of 
age) and 2nd or 3rd line 
therapy for metastatic breast 
cancer.  Assess response 
after 2 cycles 
- prescribing limited to 
written authorization by 
physicians recommended by 
the breast tumour program



--------------------------------
Alberta Regulation 104/2004
Wild Rose Foundation Act
WILD ROSE FOUNDATION AMENDMENT REGULATION
Filed: June 8, 2004
Made by the Minister of Community Development (M.O. 34/04) on June 3, 2004 
pursuant to section 5(2) of the Wild Rose Foundation Act. 
1   The Wild Rose Foundation Regulation (AR 5/2000) is 
amended by this Regulation.

2   Section 8 is amended by striking out "November 30, 2004" 
and substituting "November 30, 2014".


Alberta Regulation 105/2004
Municipal Government Act
NORTH RED DEER RIVER WATER SERVICES 
COMMISSION REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 221/2004) on June 8, 2004 
pursuant to section 602.02 of the Municipal Government Act. 
Table of Contents
	1	Establishment
	2	Members
	3	Water supply system
	4	Operating deficits
	5	Sale of property
	6	Profit and surpluses
	7	Approval
Establishment
1   A regional services commission known as the North Red Deer 
River Water Services Commission is established.
Members
2   The following municipalities are members of the Commission:
	(a)	Lacombe County;
	(b)	Ponoka County;
	(c)	Town of Blackfalds;
	(d)	Town of Lacombe;
	(e)	Town of Ponoka.
Water supply system
3   The Commission is authorized to provide and operate a water 
supply system.
Operating deficits
4   The Commission may not assume operating deficits that are shown 
on the books of any of the member municipalities.
Sale of property
5(1)  The Commission may not, without the approval of the Minister, 
sell any of its land, buildings, equipment or inventory whose purchase 
has been funded wholly or partly by grants from the Government of 
Alberta.
(2)  The Minister may not approve a sale under subsection (1) unless 
the Minister is satisfied
	(a)	as to the repayment of the grants from the Government of 
Alberta and outstanding debt associated with that portion of 
the land, buildings, equipment or inventory to be sold,
	(b)	that the sale would not have a significant adverse effect on 
the services the Commission provides, and
	(c)	that the sale will be properly reflected in the rates 
subsequently charged to the customers of the Commission.
Profit and surpluses
6   Unless otherwise approved by the Minister, the Commission may 
not
	(a)	operate for the purposes of making a profit, or
	(b)	distribute any of its surpluses to its member municipalities.
Approval
7   The Minister may make an approval under section 5 or 6 subject to 
any terms or conditions the Minister considers appropriate.


--------------------------------
Alberta Regulation 106/2004
Municipal Government Act
VULCAN DISTRICT WASTE COMMISSION REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 222/2004) on June 8, 2004 
pursuant to section 602.02 of the Municipal Government Act. 
Table of Contents
	1	Establishment
	2	Members
	3	Services
	4	Operating deficits
	5	Property
	6	Profit and surpluses
	7	Minister's approval 
 
Schedule
Establishment
1   A regional services commission known as the Vulcan District 
Waste Commission is established.
Members
2   The following municipalities are members of the Commission:
	(a)	Vulcan County;
	(b)	Town of Vulcan;
	(c)	Village of Arrowwood;
	(d)	Village of Carmangay;
	(e)	Village of Champion;
	(f)	Village of Lomond;
	(g)	Village of Milo.
Services
3   The Commission is authorized to provide solid waste management 
services.
Operating deficits
4   The Commission may not assume operating deficits that are shown 
on the books of any of the member municipalities.
Property
5(1)  The member municipalities shall execute all documents and do 
all things necessary to transfer to the Commission all property listed in 
the Schedule to this Regulation.
(2)  The Commission may not, without the approval of the Minister, 
sell any of its land, buildings or personal property, the purchase of 
which has been funded wholly or partly by grants from the 
Government of Alberta.
(3)  The Minister may not approve a sale under subsection (2) unless 
the Minister is satisfied
	(a)	as to the repayment of grants from the Government of 
Alberta and outstanding debt associated with that portion of 
the land, buildings or personal property to be sold,
	(b)	that the sale would not have a significant adverse effect on 
the services the Commission provides, and
	(c)	that the sale will be properly reflected in the rates 
subsequently charged to the customers of the Commission.
Profit and surpluses
6   Unless otherwise approved by the Minister, the Commission must 
not
	(a)	operate for the purposes of making a profit, or
	(b)	distribute any of its surpluses to its member municipalities.
Minister's approval
7   The Minister may make an approval under section 5 or 6 subject to 
any terms or conditions the Minister considers appropriate.
Schedule
Champion Transfer Station
That portion of the south west quarter of section 29, township 14, 
range 23, west of the 4th meridian which lies west of the railway on 
plan RY 304 and north of road plan 7410039 containing 13.4 hectares 
(33.1 acres) more or less and all improvements thereon.
Mossleigh Transfer Station
That portion of the south west quarter of section 14, township 20, 
range 25, west of the 4th meridian which lies north west of the railway 
right of way and extra lands shown on plan RW 321 containing 7.49 
hectares (18.51 acres) more or less and all improvement thereon.
Lomond Transfer Station
The south 295 feet of the east 693 feet on the north east of section 11, 
township 16, range 20, west of the 4th meridian containing 1.90 
hectares (4.69 acres) more or less and all improvement thereon 
excepting thereout road 9012185 containing 0.092 hectares (0.23 
acres) more or less.
Milo Transfer Station
That portion of the south west quarter of section 6, township 19, range 
21, west of the 4th meridian described as plan 9410391, block 1 
containing 6.07 hectares (15 acres) more or less and all improvement 
thereon.
Vulcan Transfer Station
That portion of the south west quarter of section 4, township 17, range 
24, west of the 4th meridian described as plan 9110107, block 4 
containing 7.46 hectares (18.43 acres) more or less and all 
improvement thereon.
Champion Landfill
That portion of the north east quarter of section 6, township 15, range 
23, west of the 4th meridian which lies to the east of Railway Avenue 
on plan Champion 3019CA and between 2 lines drawn parallel with 
the southerly limit of Noble Street as shown on said plan 3019CA, the 
first said line being drawn through a point in the easterly limit of the 
said Railway Avenue distant 1384.14 feet southerly from the said limit 
of Noble Street and the other said line being drawn through a point in 
the said limit of Railway Avenue distant 843.2 feet northerly from its 
intersection with the east boundary of the said quarter section 
containing 5.657 hectares (13.98 acres) more or less excepting thereout 
plan 7408BM containing 0.291 hectares (0.72 acres) more or less, plan 
4665JK containing 0.421 hectares (1.04 acres) more or less, and plan 
9012372 containing 0.433 hectares (1.07 acres) more or less.
Mossleigh Landfill
That portion of the south east quarter of section 30, township 20, range 
24, west of the 4th meridian described as plan 7510572 containing 1.06 
hectares (2.62 acres) more or less.
Brant Landfill
That portion of the north east quarter of section 10, township 18, range 
26, west of the 4th meridian described as plan 1621LK containing 4.74 
acres more or less.
Herronton Landfill
That portion of the north west quarter of section 20, township 19, 
range 25, west of the 4th meridian described as plan 2708GJ, parcel X 
containing 2.04 acres more or less.
Shouldice Landfill
That portion of the south east quarter of section 22, township 20, range 
22, west of the 4th meridian which lies to the north and east of the 
north easterly limits of the roadway as said roadway is shown on plan 
3356BM containing 2.243 hectares (5.55 acres) more or less, including 
plan 7087BM containing 1.15 acres more or less.
Queenstown Landfill
That portion of the north east quarter of section 24, township 19, range 
22, west of the 4th meridian described as commencing at the south east 
corner of said quarter section thence northerly along the eastern 
boundary thereof 217.8 feet, thence westerly parallel with the southern 
boundary thereof 400 feet thence southerly parallel with the said 
eastern boundary 217.8 feet more or less to the said southern boundary 
thence easterly along the said southern boundary 400 feet more or less 
to the place of commencement containing 0.809 of a hectare (2 acres) 
more or less.
Milo Landfill
That portion of the west half of section 5, township 19, range 21, west 
of the 4th meridian described as plan 7148BM containing in the north 
west quarter 0.38 of an acre more or less and in the south west quarter 
1.37 acres more or less.
Vulcan Landfill
The north east quarter of section 24, township 18, range 23, west of the 
4th meridian containing 64.7 hectares (160 acres) more of less 
excepting thereout plan 415LK containing 0.417 hectares (1.03 acres) 
more or less.


--------------------------------
Alberta Regulation 107/2004
Court of Queen's Bench Act
SURROGATE RULES AMENDMENT REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 226/2004) on June 8, 2004 
pursuant to section 20 of the Court of Queen's Bench Act. 
1   The Surrogate Rules (AR 130/95) are amended by this 
Regulation.

2   Rule 14 is amended by adding "and the endorsement must 
appear on the copy of the will attached to the grant" after "gift is 
void".

3   Rule 34(3) is amended by striking out "alternative" 
wherever it occurs and substituting "alternate".

4   Rule 37(3) is amended by striking out "alternative" and 
substituting "alternate".

5   Rule 84 is renumbered as rule 85 and in that rule "rule 83" 
is struck out and "rule 84" is substituted.

6   Rule 83 is renumbered as rule 84 and in that rule "rule 85" 
is struck out and "rule 83" is substituted.

7   Rule 85 is renumbered as rule 83.

8   Schedule 3 is amended by striking out "DATE OF 
AFFIDAVIT ________________" wherever it occurs.

9   Schedule 3 Form NC 2 is amended under the heading 
"Notices" by adding the following after item 4.6:
	4.7	NC 24.1   Notice to Public Trustee

10   Schedule 3 Form NC 3 is amended by striking out "The 
deceased died ______________" and substituting the following:
The deceased died	Testate:	__________________ 
Intestate:	                                     
After a thorough search of all likely 
places, no testamentary paper of the 
deceased has been found.

11   Schedule 3 Form NC 29 is amended
	(a)	by striking out the heading "Schedules" and 
substituting "Schedules Attached";
	(b)	by striking out the heading "Documents" and 
substituting "Documents Attached".

12   Schedule 3 Form NC 33 is amended
	(a)	by striking out the heading "Schedules" and 
substituting "Schedules Attached";
	(b)	by striking out the heading "Documents" and 
substituting "Documents Attached".

13   Schedule 3 is amended by adding the following after 
Form C 9:
	C 9.1
COURT FILE NUMBER		                                              
COURT		Court of Queen's Bench of  
		Alberta (Surrogate Matter)
JUDICIAL DISTRICT		                                              
ESTATE NAME		                                              
PROCEDURE		Application for Trusteeship 
	       of a Minor Child
DOCUMENT	       Notice of objection to 
		application for Trusteeship 
	       of a Minor Child
	
(Fill in your name and the other information)

Name		                                                         
Complete address		                                                         
Relationship to minor child		                                                         

1.   I object to any application by                      that 	.

2.   I request an interim order that 	.

3.   In the proceedings, I will seek a final order that 	.

4.   My reason for this request is 	.

5.   My complete address for service of any documents in this matter is 
                    .

6.   This notice of objection is sent to 	.

                                          		
Objector	Date

Name: 		
Complete address:  		
		
Lawyers for Objector(s)
Responsible lawyer: 		
Firm name: 		
Complete address: 		
		
Phone: 		
Fax: 		
File no.: 		

This notice of objection requires an affidavit to establish the facts relied on 
by the objector.  Use Form C2.


--------------------------------
Alberta Regulation 108/2004
Regulations Act
MISCELLANEOUS CORRECTION REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 227/2004) on June 8, 2004 
pursuant to section 10 of the Regulations Act. 
1   The Agricultural Equipment Technician Trade Regulation 
(AR 259/2000) is amended in section 4(5) by striking out 
"over" and substituting "of".

2   The Agriculture Financial Services Regulation 
(AR 99/2002) is amended by striking out "lightening" 
wherever it occurs and substituting "lightning".

3   The Alberta Beef Producers Plan Regulation 
(AR 336/2003) is amended
	(a)	in section 15 by striking out "of" and substituting 
"or";
	(b)	in section 30(8)(b)(ii) by striking out "cease" and 
substituting "ceases";
	(c)	in section 45(5) by striking out "subsections" and 
substituting "subsection";
	(d)	in section 46(4) by striking out "member" and 
substituting "number";
	(e)	in section 67(2) by striking out "terms" wherever it 
occurs and substituting "term";
	(f)	in section 68(3) by striking out "terms" and 
substituting "term" and by striking out "director of 
director" and substituting "director or director";
	(g)	in section 98(2) by striking out "zones" and 
substituting "zone".

4   The Alberta Sheep and Wool Commission Plan 
Regulation (AR 263/2001) is amended in section 32(2) by 
relettering clause (d) as clause (b).

5   The Alberta Sheep and Wool Commission Regulation 
(AR 389/2003) is amended
	(a)	in section 3(5) by adding "of the" after "amount";
	(b)	in section 6(2) by striking out "that year" and 
substituting "that calendar year";
	(c)	in section 12 by striking out "(AR 319/98)" and 
substituting "(AR 319/96)".

6   The Bee Regulation (AR 194/2003) is amended in section 
3(1) and (2) by striking out "Apriculturalist" and substituting 
"Apiculturist".

7   The Builders' Lien Forms Regulation (AR 51/2002) is 
amended in Form 1 by striking out "have to yet" and 
substituting "have not yet".

8   The Charitable Fund-raising Regulation (AR 108/2000) is 
amended in section 9(2) by striking out "Schedule 13" and 
substituting "Schedule 12".

9   The Code of Conduct Regulation (AR 183/2003) is 
amended in section 4 by striking out "default support provider" 
and substituting "default supply provider".

10(1)  The Condominium Property Regulation (AR 168/2000) 
is amended by this section.
(2)  Section 1(2) is amended by striking out "11(1)(b)" and 
substituting "14(1)(b)".
(3)  Section 1(2)(a)(i) is amended by striking out "11" and 
substituting "14".
(4)  Section 3(b) is repealed and the following is 
substituted:
	(b)	is to consist of 
	(i)	a first sheet on which are set out the matters prescribed 
by sections 8(1)(a), (b), (c), (d), (f), (g), (h), (j), (l) and 
(m) and (2) and 10(1) of the Act, and 
	(ii)	further sheets, if necessary, containing the particulars 
required by section 8(1)(e), (i) and (k) of the Act.
(5)  Section 4 is amended by striking out "6(1)(b) and (d)" and 
substituting "8(1)(b) and (e)".
(6)  Section 7 is amended by striking out "6(1)(f), (f.1) and (g)" 
and substituting "8(1)(g), (h) and (j)".
(7)  Section 12(1) is amended by striking out "26" and 
substituting "32".
(8)  Section 13 is amended by striking out "40(4)" and 
substituting "49(4)".
(9)  Section 14 is amended by striking out "40, 42, 43 or 54" 
and substituting "49, 51, 52 or 63".
(10)  Section 15(1)(a) is amended by striking out "11(14)" 
and substituting "14(14)".
(11)  Section 15(1)(b) is amended by striking out "49" and 
substituting "58".
(12)  Section 15(2) is amended by striking out "50" and 
substituting "59".
(13)  Section 17 is amended by striking out "43(4) or 54(4)" 
and substituting "52(5) or 63(4)".
(14)  Section 18 is amended by striking out "54" and 
substituting "63".
(15)  Section 19 is amended by striking out "65" and 
substituting "73".
(16)  Section 20 is amended by striking out "23(2)" and 
substituting "28(5)".
(17)  Section 21(1)(a) is amended by striking out "11(1)(a)" 
and substituting "14(1)(a)".
(18)  Section 21(1)(b) is amended by striking out "30.1" and 
substituting "38".
(19)  Section 21(1)(d) is amended by striking out "30.1" and 
substituting "38".
(20)  Section 23(2)(b) is amended by striking out "30.1" and 
substituting "38".
(21)  Section 26(1) is amended by striking out "16" and 
substituting "21".
(22)  Sections 27 and 28 are amended by striking out "30.1" 
and substituting "38".
(23)  Section 32 is amended by striking out "14.2" and 
substituting "19".
(24)  Section 33(1) is amended by striking out "11(1)(a)" and 
substituting "14(1)(a)".
(25)  Section 33(2)(a) is amended by striking out "15" and 
substituting "20".
(26)  Section 38(1) is amended by striking out "3 and 4" and 
substituting "5 and 6".
(27)  Section 38(2) is amended by striking out "3 and 4" and 
substituting "5 and 6" and by striking out "6 to 8" and 
substituting "8 to 10".
(28)  Section 39(2) is amended by striking out "6 to 8" and 
substituting "8 to 10".
(29)  Section 39(3)(b) is amended by striking out "3 and 4" 
and substituting "5 and 6".
(30)  Section 43 is amended by striking out "9 and 10" and 
substituting "12 and 13".
(31)  Section 44 is amended by striking out "24" and 
substituting "29".
(32)  Section 57(1) is amended by striking out "15(1.1)" and 
substituting "20(2)".
(33)  Section 57(2) is amended by striking out "15" and 
substituting "20".
(34)  Section 58(2)(b) is amended by striking out "8(1)(b)(i)" 
and substituting "10(1)(b)(i)".
(35)  Section 59 is amended by striking out "40" and 
substituting "49".
(36)  Section 61(1) is amended by striking out "38(1)(a), (a.1) 
and (b)" and substituting "47(1)(a), (b) and (c)".
(37)  Section 61(3) is amended by striking out "38(1)(a), (a.1) 
and (b)" and substituting "47(1)(a), (b) and (c)".
(38)  Section 61(5) is amended by striking out "38(6)" 
wherever it occurs and substituting "47(7)".
(39)  Section 62 is amended by striking out "38" and 
substituting "47".
(40)  Section 63 is amended by striking out "11" wherever it 
occurs and substituting "14".
(41)  Section 65 is amended by striking out "11(10)" and 
substituting "14(10)".
(42)  Section 66(2) is amended by striking out "11(10)" and 
substituting "14(10)".
(43)  Section 67(2) is amended by striking out "11(10)" and 
substituting "14(10)".
(44)  Section 72(1) is amended by striking out "7(2.1)" and 
substituting "9(3)".
(45)  Section 72(2) is amended by striking out "7(2)" 
wherever it occurs and substituting "9(2)".
(46)  Section 75 is amended by striking out "8(1)(b)(ii)" and 
substituting "10(1)(b)(ii)".
(47)  Section 76 is amended by striking out "32" and 
substituting "40".
(48)  Section 77 is amended by striking out "61.1" wherever 
it occurs and substituting "69".
(49)  Section 78 is amended by striking out "70(2)" and 
substituting "78(2)".
(50)  Section 79 is repealed.
(51)  Form 1 is amended by striking out "Section 6(1)(f), (f.1) 
and (g)" and substituting "Section 8(1)(g), (h) and (j)".
(52)  Form 3 is amended by striking out "Section 26" and 
substituting "Section 32".
(53)  Form 4 is amended by striking out "Section 40(4)" and 
substituting "Section 49(4)".
(54)  Form 5 is amended 
	(a)	by striking out "Section 53(1)" and substituting 
"Section 62(1)";
	(b)	by striking out "51" and substituting "60";
	(c)	by striking out "52" and substituting "61".
(55)  Form 6 is amended by striking out "Sections 43(4) and 
54(4)" and substituting "Sections 52(5) and 63(4)".
(56)  Form 7 is amended by striking out "Section 65(2)" and 
substituting "Section 73(2)".
(57)  Form 8 is amended by striking out "Section 23(2)" and 
substituting "Section 28(5)".

11   The Crown Minerals Registration Regulation 
(AR 264/97) is amended in section 8 by striking out "140(10)" 
and substituting "95(10)".

12   The Direct Purchase Regulation (AR 210/98) is 
amended in section 2(b) by striking out "Department of 
Infrastructure" and substituting "Department of Government 
Services".

13   The Electrician Trade Regulation (AR 274/2000) is 
amended in section 3(m)(iii) by striking out "word" and 
substituting "wood".

14   The Employment Standards Regulation (AR 14/97) is 
amended by repealing section 2(2)(b), (c) and (d) and 
substituting the following:
	(b)	a member or student within the meaning of the Regulated 
Accounting Profession Act,

15   The Food and Food Establishments Regulation 
(AR 328/2003) is amended in section 26(3) by striking out 
"offer" and substituting "officer".

16   The Gaming and Liquor Regulation (AR 143/96) is 
amended in section 94(2)(a) and (d) by striking out "or 
spouse, adult interdependent partner" and substituting ", spouse or 
adult interdependent partner".

17   The General Regulation (AR 38/2002) is amended in 
Form 4 by renumbering item 4 as item 3.

18   The General Regulation (AR 102/85) is amended in 
section 43 by adding "the" before "permit holder's" wherever it 
occurs.

19   The LIS Delegated Authority Regulation (AR 218/98) is 
amended by repealing section 2(2) and substituting the 
following:
(2)  The powers, duties and functions of the Minister under the 
following sections of the Act are delegated to LIS:
	(a)	section 4(1)(h), (4) and (6);
	(b)	section 5;
	(c)	section 6(2);
	(d)	section 7(3);
	(e)	section 9;
	(f)	section 10;
	(g)	section 11;
	(h)	section 13;
	(i)	section 17(3);
	(j)	section 35(1) and (2).

20   The Management Body Operation and Administration 
Regulation (AR 243/94) is amended by striking out "on" and 
substituting "or".

21   The Management Employees Pension Plan (AR 367/93) 
is amended in section 2(1)(ss.2) by renumbering subclause 
(iii) as subclause (ii).

22   The Metallic and Industrial Minerals Regulation (AR 
66/93) is amended by in section 1
	(a)	in clauses (b) and (c) by striking out "Act" and 
substituting "Mines and Minerals Act (RSA 1980 cM-15);
	(b)	in clause (g) by striking out "1(1)(m)" and 
substituting "1(1)(p)".

23(1)  The Natural Gas Marketing Regulation (AR 358/86) is 
amended by this section.
(2)  Section 5(3) is amended by striking out "6.1" and 
substituting "7".
(3)  Section 7(2)(d) is amended by striking out "6.1" and 
substituting "7".
(4)  Section 10(1) is amended by striking out "9(2)(a)" and 
substituting "10(2)(a)".
(5)  Section 10(1) is amended by striking out "9(2)(b)(ii)" and 
substituting "10(2)(b)(ii)".
(6)  Section 10(1)(a) is amended by striking out "9(2)(a)" and 
substituting "10(2)(a)".
(7)  Section 10(1.1) is amended by striking out "9(2)(a)" and 
substituting "10(2)(a)".
(8)  Section 12(2) is amended by striking out "9" and 
substituting "10".
(9)  Section 12(4) is amended by striking out "9" and 
substituting "10".
(10)  Section 13(1) is amended by striking out "9" and 
substituting "10".
(11)  Section 14(2) is amended by striking out "9(2)(a)" and 
substituting "10(2)(a)".
(12)  Section 14(4) is amended by striking out "9(2)(a)" and 
substituting "10(2)(a)".
(13)  Section 14.1(2) is amended by striking out "9(2)(b)(ii)" 
and substituting "10(2)(b)(ii)".
(14)  Section 14.1(4) is amended by striking out "9(2)(b)(ii)" 
and substituting "10(2)(b)(ii)".
(15)  Section 14.2 is repealed.
(16)  Section 15 is amended by striking out "10(1)" and 
substituting "11(1)".
(17)  Section 16 is amended by striking out "9(1)" and 
substituting "10(1)".
(18)  Section 17 is amended by striking out "9" and 
substituting "10".
(19)  Sections 17.1 to 17.3 are amended by striking out "9" 
and substituting "10".
(20)  Section 25(b) is amended by striking out "14" and 
substituting "15".
(21)  Section 26(1) to (4) are amended by striking out "14" 
and substituting "15".
(22)  Section 28(1) is amended by striking out "21" and 
substituting "23".

24   The Natural Gas Price Protection Regulation 
(AR 157/2001) is amended in section 1(1)(h.1)(ii)(B)(I) by 
striking out "section 1(a.1)(i)" and substituting "section 
1(1)(a.1)(i)".

25   The Natural Gas Royalty Regulation, 2002 
(AR 220/2002) is amended
	(a)	in Schedule 8 in section 2(9) by striking out "the 
which" and substituting "which";
	(b)	in Schedule 8 in section 5(4) by relettering clause 
(d) as clause (c).

26   The Operator Licensing and Vehicle Control Regulation 
(AR 320/2002) is amended in section 1(j) by relettering (A), 
(B) and (C) as (i), (ii) and (iii) respectively.

27   The Personal Information Protection Act Regulation 
(AR 366/2003) is amended in section 12(3)(g) by striking out 
"an" and substituting "a".

28   The Private Schools Regulation (AR 190/2000) is 
amended by repealing section 14(b) and substituting the 
following:
	(b)	appoint a person who is registered and qualified to perform 
an audit engagement under the Regulated Accounting 
Profession Act as auditor for the school,

29(1)  The Procedures (Trespass) Amendment Regulation 
(AR 75/2004) is amended by this Regulation.
(2)  The second section 3 is repealed and the following is 
substituted:
4   Schedule 2 is amended by adding the following after 
Part 44:
Part 45 
Trespass To Premises Act

1(1)  The specified penalty payable in respect of a contravention 
of section 3 of the Trespass to Premises Act is $250.
(2)  Where a person is charged with a 2nd or subsequent offence 
for the contravention of section 3 of the Trespass to Premises Act 
with respect to the same land, the person is required to appear 
before a justice without the alternative of making a voluntary 
payment.
(3)   The third section 3 is renumbered as section 5.

30   The Public Service Pension Plan (AR 368/93) is 
amended in section 2(1)(ss.2) by renumbering subclause 
(iii) as subclause (ii).

31   The Regulated Default Supply Regulation (AR 168/2003) 
is amended in section 2
	(a)	in subsection (1)(a) by striking out "(1.2) and (1.3)" 
and substituting "(1.1) and (1.2)";
	(b)	by repealing subsections (1.2) and (1.3) and 
substituting the following:
(1.1)  A regulatory authority may extend the January 1, 2004 
date specified in subsection (1)(a) of this section and in 
section 3(2) and (3)(a) in respect of an application for 
approval of a regulated rate tariff made to the regulatory 
authority under section 103 of the Act.
(1.2)  An extension made by a regulatory authority under 
subsection (1.1) must not extend beyond July 1, 2004.

32   The Regulations Act Regulation (AR 288/99) is 
amended in section 1 by relettering clause (d) as clause (c).

33   The Roles, Relationships and Responsibilities 
Regulation, 2003 (AR 169/2003) is amended in the heading 
preceding section 2 by striking out "Supplies" and 
substituting "Suppliers".

34   The Rural Electrification Loan Regulation (AR 139/97) is 
amended in section 2(2)(d) by striking out "8(4) and 13.1(1)" 
and substituting "10(4) and 17(1)".

35   The Special Forces Pension Plan (AR 369/93) is 
amended in section 2(1)(ss.2) by renumbering subclause 
(iii) as subclause (ii).

36   The Student Evaluation Regulation (AR 177/2003) is 
amended in section 2 by striking out "the determining" and 
substituting "determining".

37   The Temporary Employment and Job Creation 
Programs Regulation (AR 380/2003) is amended in section 2 
by striking out "the section" and substituting "section".

38   The Tribunal Process and Procedure Regulation 
(AR 170/2003) is amended in section 17(1) by striking out 
"is" and substituting "are".

39   The Waiver Regulation (AR 298/2003) is amended in 
section 1(1)(a) by striking out "the Food Regulation 
(AR 240/85)" and substituting "the Food and Food Establishments 
Regulation (AR 328/2003).

40   In the following provisions "Alberta Municipal Financing 
Corporation" is struck out wherever it occurs and "Alberta 
Capital Finance Authority" is substituted:
	(a)	Electronic Transactions Act Designation Regulation 
(AR 35/2003), in the Schedule;
	(b)	Funds and Agencies Exemption Regulation (AR 128/2002), 
in Schedule B;
	(c)	Freedom of Information and Protection of Privacy 
Regulation (AR 200/95) in Schedule 1;
	(d)	Hospitalization Benefits Regulation (AR 244/90), in sections 
21(1) and 23(2)(b);
	(e)	Municipal Affairs Grants Regulation (AR 123/2000), in 
Schedule 3, section 1(a).



Alberta Regulation 109/2004
Fuel Tax Act
FUEL TAX AMENDMENT REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 229/2004) on June 8, 2004 
pursuant to section 51 of the Fuel Tax Act. 
1   The Fuel Tax Regulation (AR 388/87) is amended by this 
Regulation.

2   Section 1(1) is amended
	(a)	by adding the following after clause (b):
	(b.1)	"air transport service" means a commercial air service 
that is operated for the purpose of transporting persons 
or cargo in an aircraft between 2 points;
	(b.2)	"commercial aircraft" means an aircraft that is used in 
an air transport service;
	(b.3)	"commercial aircraft on an international flight" means a 
commercial aircraft whose point of departure or point of 
destination is outside Canada;
	(b)	by adding the following after clause (f.1):
	(f.11)	"foreign operator" means a foreign operator, within the 
meaning of the Canadian Aviation Regulations under 
the Aeronautics Act (Canada), of an air transport 
service;
	(c)	by adding the following after clause (i.1):
	(i.2)	"passenger" means a person, other than a crew member, 
who is carried on board an aircraft;



3   Section 5(1) is repealed and the following is substituted:
Rebate of tax
5(1)  An application for a rebate of tax under section 7 of the Act, 
with respect to aviation fuel, fuel oil or liquid petroleum gas used 
for a purpose other than for farming operations in Alberta, shall be 
in a form provided by the Minister and
	(a)	in the case of a rebate under section 7(3)(n) of the Act, 
may be made monthly, and
	(b)	in the case of any other rebate under section 7 of the 
Act, may not be made more frequently than every 3 
months.

4   The following is added after section 5:
Aviation fuel rebate
5.1   A rebate of tax paid may be granted under section 7(3)(n) of 
the Act in respect of aviation fuel purchased in Alberta after 
February 29, 2004 for use in a commercial aircraft on an 
international flight, if the flight
	(a)	originated in Canada and has a destination point outside 
Canada, and no passengers or cargo are offloaded in 
Canada after the flight leaves Alberta, or
	(b)	originated outside Canada and has a destination or 
stopover point in Alberta where passengers or cargo are 
offloaded, if none of the passengers or cargo offloaded 
in Alberta were loaded onto the aircraft in Canada.

5   The following is added after section 12.5:
Aviation fuel tax exemption
12.6   Notwithstanding section 3 of the Act, a foreign operator of a 
commercial aircraft on an international flight is exempt from the 
payment of tax for aviation fuel purchased in Alberta after 
February 29, 2004 with respect to a flight, if the flight
	(a)	originated in Canada and has a destination point outside 
Canada, and no passengers or cargo are offloaded in 
Canada after the flight leaves Alberta, or
	(b)	originated outside Canada and has a destination or 
stopover point in Alberta where passengers or cargo are 
offloaded, if none of the passengers or cargo offloaded 
in Alberta were loaded onto the aircraft in Canada.



Alberta Regulation 110/2004
Alberta Treasury Branches Act
ALBERTA TREASURY BRANCHES AMENDMENT REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 234/2004) on June 8, 2004 
pursuant to section 34 of the Alberta Treasury Branches Act. 
1   The Alberta Treasury Branches Regulation (AR 187/97) is 
amended by this Regulation.



2   Section 1 is amended
	(a)	in subsection (1)
	(i)	by renumbering clause (a) as clause (a.2) and 
by adding the following before that clause 
(a.2):
	(a)	"ATB" means Alberta Treasury Branches;
	(a.1)	"bank", without limiting section 28(1)(d) of the 
Interpretation Act, includes a bank named in 
Schedule III to the Bank Act (Canada);
	(ii)	in clause (b) by adding the following after 
subclause (iii):
	(iii.1)	an association or a central cooperative credit 
society within the meanings of the Cooperative 
Credit Associations Act (Canada), including (to 
avoid any doubt) a federation of credit unions, 
being a financial services cooperative, referred to 
in An Act Respecting Financial Services 
Cooperatives (Quebec) (R.S.Q, cC-67.3) and La 
Caisse centrale Desjardins du Qu‚bec (commonly 
called the "Caisse centrale Desjardins"),
	(iii.2)	a credit union central incorporated or continued by 
or under the Credit Union Act,
	(iii)	by adding the following after clause (b):
	(b.1)	"fiscal year" means ATB's fiscal year;
	(iv)	by adding the following after clause (c):
	(c.1)	"guidelines" means guidelines made under section 
23.1(1);
	(b)	by repealing subsection (3) and substituting the 
following:
(3)  For the purposes of section 14 of the Act,
	(a)	"interest payable" includes interest that has accrued but 
is not yet payable;
	(b)	"money deposited" includes debt instruments issued by 
ATB that
	(i)	are issued in Canadian dollars,
	(ii)	have an original term to maturity of not more than 
10 years, and
	(iii)	are not subordinate to any other money deposited 
with ATB.

3   Section 2.1 is amended by striking out "is a prescribed 
corporation" and substituting "and a mortgage broker within the 
meaning of the Real Estate Act that is a corporation are the prescribed 
corporations".

4   Section 8(5) is amended
	(a)	in clause (k)
	(i)	in subclause (ii) by striking out "sfinancial" and 
substituting "financial";
	(ii)	by repealing subclause (iv) and substituting 
the following:
	(iv)	at market value, commercial paper that matures 
within 100 days from the date of its issue and has 
at least a rating of P-1 from Moody's Investors 
Service or the equivalent rating from another 
approved rating organization, as that term is 
defined in the relevant Multilateral Instrument 
issued by the Canadian Securities Administrators;
	(b)	by repealing clause (l) and substituting the 
following:
	(l)	a line of credit to a participant in the Large Value 
Transfer System that has at least a rating referred to in 
clause (k)(iv).

5   Section 10 is amended
	(a)	by repealing subsection (2.3) and substituting the 
following:
(2.3)  ATB may enter into credit derivative contracts with 
financial institutions in Canada that have at least one of the 
credit ratings referred to in the guidelines referred to in 
subsection (3) in respect of residential mortgage loans secured 
by land situated in Canada for the purpose of diversifying its 
geographic concentration risk.
	(b)	in subsection (3) by striking out from "following 
table" to the end of the subsection and substituting 
"guidelines whose primary subject-matter is derivatives.".

6   Section 11 is repealed and the following is substituted:
Deposit guarantee fee
11(1)  In this section, "deposits" means
	(a)	money whose repayment, taking into account section 
1(3), is guaranteed by section 14(1) of the Act, and
	(b)	negotiable instruments specified by notice in writing 
given by the Minister to ATB for the purposes of this 
subsection.
(2)  ATB shall, before July 1 in each year, pay to the Minister in 
respect of the previous fiscal year the fee required by section 
14(2) of the Act, in the aggregate of the following amounts based 
on deposits held by ATB:
	(a)	for deposits that do not exceed $60 000 or for those 
portions of deposits exceeding $60 000 that do not 
exceed $60 000, the lesser of
	(i)	an amount equal to the total of those deposits or 
those portions of those deposits multiplied by 
Canada Deposit Insurance Corporation's rate for a 
deposit-taking institution with a similar risk profile 
as ATB, as determined by the Minister, and
	(ii)	an amount equal to 1/6 of 1% of all those deposits 
or those portions of those deposits;
	(b)	for those portions of deposits exceeding $60 000 that do 
exceed $60 000, an amount equal to 1/6 of 1% of all 
those excess portions.
(3)  For the purposes of subsection (2), the amounts of the 
respective deposits are to be
	(a)	based on the amount reported in ATB's audited annual 
financial statements except that the Minister may, for 
those purposes, accept estimates prepared by ATB of 
the amounts of the deposits to the extent that they are 
not so reported, and
	(b)	subject to clause (a), calculated in accordance with 
methodology approved by the Minister.
(4)  The fees payable under this section, including those payable 
for the 2002-03 and the 2003-04 fiscal years, may be paid in the 
form of subordinated debt issued by ATB to the Crown in right 
of Alberta that meets the requirements of the Minister, but only 
until the fiscal year after that in which the portion of ATB's tier 2 
capital that is calculated under section 24(1)(c)(iii) falls to zero 
dollars.
(5)  A notice under subsection (1)(b) is deemed to be a document 
incorporated in this Regulation for the purposes of section 1(1)(f) 
of the Regulations Act, but the Minister shall ensure that its 
contents are given publicity in such a form as the Minister 
considers likely to make it available, generally, to all persons 
likely to be affected by it.

7   Section 23 is amended
	(a)	in subsection (1)(c) by striking out "20" and 
substituting "40";
	(b)	in subsection (2) by adding "in the Schedule" after 
"Tables".

8   Section 23.1 is repealed and the following is substituted:
Guidelines
23.1(1)  The Minister may make guidelines for ATB on any matter 
referred to in section 34(1)(h.2) of the Act and shall make such 
guidelines on an identified subject-matter where a provision of this 
Regulation requires guidelines on that subject-matter in order to 
ensure the efficacy of the provision.
(2)  Guidelines
	(a)	must not be inconsistent with this Regulation,
	(b)	are deemed to be regulations for the purposes, and only 
for the purposes, of section 33 of the Act, and
	(c)	must contain a commencement date from which they 
come into effect.

9   The following is added after section 23.1:
Compliance with legislation and guidelines
23.2(1)   ATB shall provide to the Minister a report, in a form 
satisfactory to the Minister, on its compliance with the Act, the 
regulations and the guidelines
	(a)	for the fiscal year to which the financial statements 
submitted under section 23 of the Act relate, within 90 
days after the date on which it submits those financial 
statements, and
	(b)	for any other period specified by the Minister, if so 
required by the Minister, on or before the date specified 
by the Minister.
(2)  The Minister shall annually specify subjects on which 
compliance by ATB with the Act, the regulations and the 
guidelines is to be the subject of an examination by the person and 
in the manner decided by the Minister.

10   Section 24 is amended
	(a)	by repealing subsections (1) and (2) and 
substituting the following:
Maintenance of assets
24(1)  In this section, with reference to ATB,
	(a)	"capital" means the aggregate of its tier 1 capital and 
tier 2 capital, less deductions from capital;
	(b)	"tier 1 capital" means its retained earnings;
	(c)	"tier 2 capital" means the aggregate of
	(i)	the total value of its subordinated debt referred to 
in section 11(4), as adjusted in accordance with 
and subject to the maximum specified by 
subsection (3),
	(ii)	the amount of its general allowances against loan 
losses subject to the maximum specified by 
subsection (4), and
	(iii)	an amount equal to the greater of zero and an 
amount calculated in accordance with the formula
		(($750 million + R0) - R1) - L
		where
		R0 =	the retained earnings reported in ATB's 
audited annual financial statements as at 
March 31, 2003
		R1 = 	the retained earnings reported in ATB's 
audited annual financial statements as at 
the end of the fiscal year (starting with the 
2003-04 fiscal year) for which the 
calculation is done
		L = 	the absolute value of the sum of all net 
losses reported in ATB's audited annual 
financial statements as at a date after 
March 31, 2003, up to and including the 
fiscal year for which the calculation is 
done.
(2)  ATB shall maintain its assets in accordance with this 
Regulation so that its capital equals or exceeds the greatest of
	(a)	8% of its risk weighted assets,
	(b)	5% of its assets, and
	(c)	the amount specified by the Minister by notice in 
writing.
	(b)	in subsection (4) by striking out ".625%" and 
substituting ".875%";
	(c)	by adding the following after subsection (4):
(5)  Section 11(5) applies with respect to a notice under 
subsection (2)(c).

11   Section 25 is amended
	(a)	by renumbering it as section 25(1);
	(b)	in subsection (1)
	(i)	in clause (b) by striking out "interest rate" and 
substituting "derivative";
	(ii)	by repealing clause (c) and substituting the 
following:
	(c)	for derivative contracts not subjected to netting 
under subsection (2), the sum of the products of 
the following formula, computed for each 
derivative contract, namely
		[(P x A) + PRC] x C
		where
		P	is the notional principal amount of the 
contract
		A	is the add-on factor set out in Table 4
		PRC	is the replacement cost, obtained by 
"marking to market", of the contract if it 
has a  positive value, and
		C 	is the risk weighting factor set out in Table 
3 for the counter-party.
	(c)	by adding the following after subsection (1):
(2)  ATB may, in accordance with those guidelines issued by 
the federal Office of the Superintendent of Financial 
Institutions and currently in place whose subject-matter is 
capital adequacy requirements, net derivative contracts that are 
subject to novation or any other lawful form of netting within 
the meaning of those guidelines and, if it does so, shall 
calculate the credit equivalent amount of netted derivative 
contracts in accordance with those guidelines.

12   Section 29 is amended by striking out "referred to in 
section 23.1" and substituting "whose primary subject-matter is 
liquidity".

13   Table 1 in the Schedule is amended by adding 
"ON-BALANCE SHEET ITEMS" below the heading "TABLE 
1".

14   Table 2 in the Schedule is amended by striking out 
"(Face Amount) ($F)".

15   Table 3 in the Schedule is amended by repealing all the 
text before the second set of headings "Counterparty" and 
"Counterparty Weight (C)".

16   The Schedule is amended by adding the following after 
Table 3:
Table 4 
Add-on Factor in Section 25(1) 

Residual 
Maturity
Type of Contract


Interest 
Rate
Currency 
Exchange 
Rate and 
Gold
Equities
Precious 
Metals 
except 
Gold
Other 
Commod-
ities
One year 
or less
0.0%
1.0%
6.0%
7.0%
10.0%
Over one 
year but 
not over 
five years
0.5%
5.0%
8.0%
7.0%
12.0%
Over five 
years
1.5%
7.5%
10.0%
8.0%
15.0%

17   The following provisions are amended by striking out 
"Alberta Treasury Branches" and "Alberta Treasury Branches's" 
wherever they occur and substituting "ATB" and "ATB's" 
respectively:
section 1(2)(a), (d), (i) and (l); 
section 4; 
section 5(1) and (2); 
section 5.1(2); 
section 6(2) and (3); 
section 7; 
section 8(4) and (5); 
section 9(1) and (4); 
section 9.1(2); 
section 9.2(2) and (3); 
section 10(1), (2), (2.1), (2.2) and (3); 
section 13; 
section 14; 
section 15; 
section 16; 
section 18(1), (2) and (4); 
section 19; 
section 20; 
section 21; 
section 22(4); 
section 23(1)(a) and (c); 
section 24(3) and (4); 
section 25(1); 
section 29; 
section 30; 
Item 6 of Table 1 in the Schedule.


--------------------------------
Alberta Regulation 111/2004
Credit Union Act
CREDIT UNION (PRINCIPAL) AMENDMENT REGULATION
Filed: June 9, 2004
Made by the Lieutenant Governor in Council (O.C. 237/2004) on June 8, 2004 
pursuant to section 230 of the Credit Union Act. 
1   The Credit Union (Principal) Regulation (AR 249/89) is 
amended by this Regulation.

2   Section 1 is amended
	(a)	in subsection (1)
	(i)	by adding the following after clause (m):
	(m.1)	"residential mortgage loans" means mortgage 
loans by the credit union to individuals to finance 
one to 4 unit residential dwellings where at least 
one of the units is to be owner-occupied and the 
parcel of land on which it is situated does not 
exceed 40 acres;
	(ii)	by repealing clause (p);
	(b)	in subsection (2) by striking out ", (2) and (9)" and 
substituting "and (2)";
	(c)	by adding the following after subsection (2):
(2.1)  The definition of "assets" in section 2(9) applies in 
sections 2(4), 15(1)(b), 17, 26(3), 31, 32, 33, 38(1), 43(1), 
44(2), 54, 54.1, 65.01(c) and 73(1)(a) and sections 2(1)(a)(i) 
and (ii) and (c)(iv) and 3(a) and (b) and 4 of Schedule 2.

3   Section 2 is amended
	(a)	in subsection (1)(d) by striking out "the regulations 
made for the purposes of section 108 of the Act" and 
substituting "section 2 of Schedule 2";
	(b)	in subsection (4) by striking out "110(2)(a)" and 
substituting "111(3)(a)";
	(c)	in subsections (5) and (6) by striking out "(zz)" and 
substituting "(aaa)";
	(d)	in subsection (9) by striking out "1(1)(zz), 47(2), 82(4), 
98(1)(b), 101(1)(g), 108, 110(2)(c), 126(1) and 178(e)" and 
substituting "1(1)(aaa), 89(1), 99(1)(b), 126(1), 183(7) and 
199(2), and the 2nd reference in section 47(2),".

4   Section 12(1)(c.1) is amended by striking out "Schedule 
13" and substituting "Schedule 12".

5   Section 13 is amended
	(a)	in subsection (2)
	(i)	in clause (b) by adding "and subject to subsection 
(2.1)" after "vehicles";
	(ii)	in clause (c)(ii) by adding "and subject to 
subsection (2.1)" after "property";
	(b)	by adding the following after subsection (2):
(2.1)  There shall be deducted from the estimated residual values 
of property for the purposes of the calculations under subsection 
(2)(b) and (c)(ii) those portions of the estimated residual values 
that are either insured or in respect of which the lessee or a third 
party who is dealing at arm's length with the credit union has, on 
or before the commencement of the lease agreement, contracted 
to purchase the leased property or has unconditionally guaranteed 
the resale value of the leased property at the end of the lease 
agreement.

6   Section 15.1 is amended by adding the following after 
clause (c):
	(c.1)	as a mortgage broker within the meaning of the Real Estate 
Act;

7   Section 16 is amended by striking out "226(l)" and 
substituting "230(k)".

8   Section 17 is amended by striking out "226(o)" and 
substituting "230(n)".

9   Section 19 is amended
	(a)	in subsection (1) by striking out "51(2)(c)" and 
substituting "51(2)(c)(ii)";
	(b)	by repealing subsection (2).

10   Section 22(j) is amended by striking out "100(3)" and 
substituting "101(2)".

11   Section 24 is amended
	(a)	by striking out "81(3)" and substituting "82(3)";
	(b)	by striking out "80" and substituting "81";
	(c)	by striking out "86(a)" and substituting "87(a)".

12   Section 25.1 is amended by striking out "82(4)" and 
substituting "83(4)".

13   Section 25.2 is amended by striking out "82(3)(e)" and 
substituting "83(3)(e)".

14   Section 29 is amended
	(a)	in clause (a) by striking out "94 or 95" and 
substituting "95 or 96";
	(b)	in clause (c) by striking out "225" and substituting 
"229".

15   Section 30 is amended by striking out "97(1)" and 
substituting "98(1)".

16   Section 31 is amended
	(a)	by striking out "226(o)" and substituting "230(n)";
	(b)	by striking out "98(1)(b)" and substituting "99(1)(b)".

17   Section 32 is amended by striking out "98(1)(b)" and 
substituting "99(1)(b)".

18   Section 33 is amended by striking out "101(1)" and 
substituting "102(1)".

19   Section 37 is amended
	(a)	in subsection (1)
	(i)	by striking out "226(o)" and substituting 
"230(n)";
	(ii)	by striking out "103 and 104" and substituting 
"104 and 105";
	(b)	in subsection (1.1) by striking out "103(3)(a) and 
104(1)(a)" and substituting "104(3)(a) and 105(1)(a)";
	(c)	in subsection (1.2) by striking out "103(3)(b) and 
104(1)(b)" and substituting "104(3)(b) and 105(1)(b)";
	(d)	in subsection (2) by striking out "104(2)(c)" and 
substituting "105(2)(c)".

20   Section 38(1) and (2) are amended by striking out 
"105(1)(b)" and substituting "106(1)(b)".
21   Section 41(1) is amended by striking out "106(10)" and 
substituting "107(10)".

22   Sections 41.1(1), (3) and (4) and 41.2(1) are amended by 
striking out "106(11)" and substituting "107(11)".

23   Section 41.3 is amended by striking out "108" and 
substituting "109".

24   Section 42 is amended by striking out "109(1)(a)" and 
substituting "110(1)(a)".

25   Section 42.1 is amended
	(a)	by striking out "224" and substituting "228";
	(b)	by striking out "109(1)(b)(iii)" and substituting 
"110(1)(b)(iii)".

26   Section 43 is amended
	(a)	in subsection (1) by striking out "110(2)(a)" and 
substituting "111(3)(a)";
	(b)	in subsection (2)
	(i)	by striking out "226(o)" and substituting 
"230(n)";
	(ii)	by striking out "110(2)(b)" and substituting 
"111(3)(b)";
	(c)	in subsection (3) by striking out "110(3)(b)" and 
substituting "111(4)(b)".

27   Section 43.1(1) is amended
	(a)	in clause (d) by adding "overall" after "union's";
	(b)	in clause (e) by striking out ", certified to be complete 
and accurate by the board".

28   Section 43.2 is amended
	(a)	in subsection (1) by striking out ", in addition to 
stabilization preferred shares (if any) already issued";
	(b)	in subsection (4)
	(i)	in clause (a) by adding "investment" before 
"shares";
	(ii)	in clause (e)(iii) by adding "investment" after 
"into";
	(c)	in subsection (6)(b) by adding "investment" after 
"convert".

29   Section 43.3 is amended
	(a)	in subsections (2), (3) and (4) by striking out "The" 
and substituting "Investment";
	(b)	in subsection (5)
	(i)	by striking out "107(5)" and substituting 
"108(5)";
	(ii)	by adding "investment" before "shares" wherever 
it occurs;
	(c)	by adding the following after subsection (5):
(6)  The rights, terms and conditions attaching to all investment 
shares of any one series are equal.

30   Section 43.31 is amended
	(a)	in subsection (1) by adding "investment" after "wishes 
to issue";
	(b)	in subsection (5) by adding "investment" before 
"shares";

31   Section 43.4 is amended
	(a)	by adding "investment" before "shares" wherever it 
occurs;
	(b)	by adding the following after subsection (2):
(3)  The board shall certify as complete and accurate any 
amendments made to the disclosure statement.

32   Section 43.41 is amended
	(a)	in subsection (2) by striking out "shares, other than as a 
dividend" and substituting "investment shares, other than 
as a dividend on investment shares";
	(b)	in subsections (3) to (7) by adding "investment" 
before "shares" wherever it occurs.

33   Section 43.5(1)(c) is amended by striking out "and, if 
applicable, stabilization preferred share capital".

34   Section 43.51 is amended
	(a)	in subsection (1) by adding "investment" before 
"shares" wherever it occurs except in the first 
reference in the subsection;
	(b)	in subsection (2) by adding "investment" before 
"shares" and "share";
	(c)	in subsections (3), (4) and (5) by adding "investment" 
before "shares".

35   Section 43.6 is amended
	(a)	in subsection (1) by striking out "a share" and 
substituting "an investment share";
	(b)	in subsections (2) and (3) by adding "investment" 
before "shares" wherever it occurs.

36   Section 43.61 is amended
	(a)	in subsection (2)
	(i)	by adding "investment" before "shares" wherever 
it occurs;
	(ii)	in clause (b) by striking out "108" and 
substituting "109";
	(b)	in subsection (3) by adding "investment" before 
"shares and";
	(c)	in subsection (4) by striking out "108" and 
substituting "109";
	(d)	in subsection (5) by adding "investment" after 
"acquire";
	(e)	in subsection (6) by adding "investment" after 
"acquiring";
	(f)	in subsection (7) by adding "investment" before 
"shares";
	(g)	by adding the following after subsection (7):
(8)  A credit union shall give investment shareholders advance 
notice that their investment shares will be acquired and 
redeemed and shall deposit the proceeds in their account.
(9)  Before redeeming or cancelling all or a portion exceeding 
25% of the initial issue of a series of investment shares issued 
by it, a credit union shall notify the Corporation of its intention 
to do so.

37   Section 43.7 is amended
	(a)	in subsection (3)
	(i)	by striking out "111(4)" and substituting 
"112(2)";
	(ii)	in clause (a) by adding "investment" before 
"shares";
	(b)	in subsection (4)
	(i)	by adding "investment" after "Where";
	(ii)	by striking out "111(4)" and substituting 
"112(2)";
	(c)	in subsection (5)
	(i)	by adding "investment" after "dividend on";
	(ii)	in clause (b) by striking out "108 of the Act to 
maintain, or" and substituting "109 of the Act to 
maintain";
	(iii)	by repealing clause (c).

38   Section 43.71(2) is amended by adding "investment" 
before "shares".

39   Section 43.81(3) and (4) are amended by adding 
"investment" before "shares" wherever it occurs.

40   Section 44(1) and (2) are amended by striking out 
"114(1)(a)" and substituting "115(1)(a)".

41   Section 45 is amended by striking out "115(1)" and 
substituting "116(1)".

42   Section 47 is amended by striking out "prescribed average 
amount required by section 105(1)" and substituting "greater 
amount required by section 106(1)".

43   Section 51 is amended by repealing subsection (2) and 
substituting the following:
(2)  Notwithstanding subsection (1), a credit union may make a 
mortgage loan that is not a quality mortgage loan
	(a)	if the loan is not a residential mortgage loan and has 
previously been approved by the Corporation, or
	(b)	as part of the sale of foreclosed land to a purchaser if 
the prior approval of a special loans committee has been 
received for the making of the loan.

44   Section 54 is amended by repealing subsections (1) 
and (2) and substituting the following:
Loan maximums
54(1)  Subject to this section, the amount prescribed for the 
purpose of section 130(2)(a) of the Act is
	(a)	in the case of a credit union with assets of less than 
$10 000 000 as at the end of the fiscal year preceding 
that in which the loan would be made or, where 
applicable, as at the section 24 approval date, 100% of 
its total capital as at whichever of those dates is 
applicable or $300 000, whichever is the greater,
	(b)	in the case of a credit union with assets of $10 000 000 
or more but not more than $500 000 000 as at the 
applicable date referred to in clause (a), 40%, or with 
the prior approval of the Corporation such higher 
percentage up to 100%, of its total capital as at that date 
or $500 000, whichever is the greater, and
	(c)	in the case of a credit union with assets of more than 
$500 000 000 as at the applicable date referred to in 
clause (a),
	(i)	if it meets the requirements of section 109 of the 
Act, 40% of its total capital as at that date, or
	(ii)	if it does not, 20% of its total capital as at that date 
or $4 000 000, whichever is the greater.

45   Section 54.1 is repealed and the following is 
substituted:
Inter-credit union loans, etc.
54.1   The amount prescribed for the purpose of section 130(3) of 
the Act is
	(a)	where a small credit union is making a loan to or 
placing a deposit with a large credit union, 100% of the 
small credit union's total assets, or
	(b)	in any other case, 2% of the lender credit union's total 
assets, such assets being determined as at the time of its 
making the loan or placing the deposit.

46   Section 54.2 is amended by striking out "134(d)" and 
substituting "132(d)".

47   Section 55 is amended
	(a)	by repealing subsection (1);
	(b)	in subsection (2) by striking out "135(9)" and 
substituting "133(9)".

48   Section 58 is amended
	(a)	by striking out "143(1)" and substituting "141(1)";
	(b)	in clause (a)
	(i)	by striking out "97" and substituting "98";
	(ii)	by striking out "96" and substituting "97";
	(c)	in clause (b) by striking out "88(5), 129(3), 179(1), (2), 
(5) or (6), 182(1), (2) or (6), 185(5) or (6), 187(1), 190(3) and 
211(1)" and substituting "89(4), 128(3), 177(1), (2), (5) 
or (6), 180(1), (2) or (6), 183(5) or (6), 185(1), 191(3) and 
214(1)".

49   Section 59 is amended by striking out "the individual 
appointed as a director" and substituting "one of the individuals 
appointed as directors".

50   Section 60 is amended by striking out "148(3)" and 
substituting "146(3)".

51   Section 61 is amended by striking out "150" and 
substituting "148".

52   Section 65.01 is amended
	(a)	by renumbering clause (a) as clause (a.1) and by 
adding the following before clause (a.1):
	(a)	"exempted entity" means a credit union, Credit Union 
Central of Canada, the Corporation or any subsidiary of 
the Corporation;
	(b)	in clause (a.1)
	(i)	in subclause (ii) by striking out "borrowers" and 
substituting "entities";
	(ii)	by adding "or such higher amount as has previously 
been approved by the Minister" after "fiscal year";
	(c)	by repealing clause (b)(i) and substituting the 
following:
	(i)	loans held by Central, where the borrower is not an 
exempted entity,
	(d)	in clause (b)(ii) and (iii), by striking out "borrower" 
and substituting "entity";
	(e)	in clause (d) by striking out "90" and substituting 
"180".

53   Section 65.1 is amended by striking out "159(a)" and 
substituting "157(a)".

54   Section 66 is amended
	(a)	by striking out "159(b)" and substituting "157(b)";
	(b)	by repealing clauses (c) and (g);
	(c)	by repealing clause (k) and substituting the 
following:
	(k)	CU Electronic Transaction Services;
	(k.1)	corporations that are financial institutions;
	(k.2)	provincial corporations within the meaning of section 
1(1)(r) of the Financial Administration Act or, 
generally, equivalent corporations of other provinces or 
territories or of Canada;
	(k.3)	Credential Financial Services Inc.;
	(k.4)	Ethical Funds Inc.;
	(k.5)	Everlink Payment Services Inc;

55   Section 67 is amended
	(a)	by striking out "160(3)" and substituting "158(3)";
	(b)	in clause (a) by striking out "and" in subclause (ii), 
adding "and" at the end of subclause (iii) and adding 
the following after subclause (iii):
	(iv)	providing and managing their clearing house 
arrangements,

56   Section 68 is amended by striking out "165(8)" and 
substituting "163(9)".

57   Section 69 is amended
	(a)	in subsection (1)
	(i)	by striking out "167(1) (incorporating section 46(3))" 
and substituting "165(1.1)(b)";
	(ii)	by repealing clause (a) and substituting the 
following:
	(a)	providing corporations referred to in section 66 of 
this Regulation with educational, technical and 
advisory services,
	(b)	in subsection (2)
	(i)	by striking out "167(1) (incorporating section 
46(4)(c))" and substituting "165(1.2)(c)";
	(ii)	by repealing clause (d) and substituting the 
following:
	(d)	providing credit card services to any person, and
	(c)	in subsection (2.1) by striking out "167(1)" and 
substituting "165(1)".

58   Section 70 is amended
	(a)	by striking out "226(l)" and substituting "230(k)";
	(b)	by striking out "167(1)" and "167(2)" and substituting 
"165(1)" and "165(2)", respectively.

59   Section 70.1 is amended
	(a)	by striking out "168(1)" and substituting "166(1)";
	(b)	by striking out "82(3)(e)" and substituting "83(3)(e)".

60   Section 73(1) is amended by striking out "170(5)" and 
substituting "168(5)".

61   Section 74 is amended by striking out "170(4)" and 
substituting "168(4)".

62   Section 75 is amended by striking out "174(5)" and 
substituting "172(6)".

63   Section 76 is amended by striking out "174(6)(a)" and 
substituting "172(7)(a)".

64   Section 78(1) is amended by striking out "203(b)(ii)" and 
substituting "204(b)(ii)".

65   Section 79 is amended by striking out "205(8)" and 
substituting "206(8)".

66   Section 79.1 is amended by striking out "208(1)(l)" and 
substituting "211(1)(n)".

67   Section 80 is amended by striking out "209" and 
substituting "212".

68   Section 81 is amended by striking out "213(1)" and 
substituting "217(1)".

69   Section 82 is amended by striking out "214" and 
substituting "218".

70   Section 83 is amended
	(a)	in subsection (1) by striking out "221(2)" and 
substituting "225(2)";
	(b)	in subsection (2) by striking out "221(3)" and 
substituting "225(3)".

71   Section 84(2) is amended by striking out "225(1)" and 
substituting "229(1)".

72   Section 86(2) is amended by striking out "174" and 
substituting "172".

73   Sections 88 and 89 are repealed.

74   Schedule 2 is amended
	(a)	in section 2(1)
	(i)	in clause (a)(v) by striking out "deferred income 
tax recoverable account" and substituting "future 
income taxes recoverable";
	(ii)	in clause (b) by repealing subclause (iv);
	(iii)	in clause (c)
	(A)	in subclause (iii) by striking out "deferred 
income taxes" and substituting "future income 
taxes recoverable";
	(B)	in subclause (iv) by striking out "0.625%" 
and substituting "0.875%";
	(b)	in section 2(4)(a) by striking out "173(4)" and 
substituting "171(4)";
	(c)	in section 2(5)(b)
	(i)	in subclause (i) by striking out "deferred income 
taxes" and substituting "future income taxes 
recoverable";
	(ii)	by adding the following after subclause (i):
	(i.1)	the general allowances for its loan losses referred 
to in subsection (1)(c)(iv),
	(d)	in Table 1 in section 8
	(i)	in Item 16 by striking out "mortgages that are 
quality mortgages" and substituting "mortgage loans 
that are quality mortgage loans";
	(ii)	in Item 17 by striking out "mortgages that are not 
quality mortgages" and substituting "mortgage loans 
that are not quality mortgage loans".

75   Form 1 of Schedule 3 is amended
	(a)	by renumbering Items 3 to 9 as Items 4 to 10, 
respectively;
	(b)	by adding the following after Item 2:
3.   RISK FACTORS
In addition to general competitive and economic risks, the 
Credit Union is exposed to the following risk factors: [Note: 
Provide a description of the major risk factors to which the 
Credit Union is exposed, such as credit risk, investment risk, 
liquidity risk, interest rate risk and currency risk.]

76   Form 2 of Schedule 3 is amended
	(a)	by adding "investment" after "may cover more than one 
series of";
	(b)	by striking out "THE SHARES ARE NOT 
TRADEABLE" and substituting "INVESTMENT 
SHARES ARE NOT TRADEABLE";
	(c)	by striking out "ABLE TO TRANSFER YOUR" and 
substituting "ABLE TO TRANSFER YOUR 
INVESTMENT";
	(d)	by adding "INVESTMENT" after "DOES NOT APPLY 
TO";
	(e)	in Item 1 by striking out "consumer, of" and "residential 
mortgages, of" and substituting "consumer loans, of" 
and "residential mortgage loans, of", respectively;
	(f)	by renumbering Items 3 to 13 as Items 4 to 14, 
respectively;
	(g)	by adding the following after Item 2:
3.   RISK FACTORS
In addition to general competitive and economic risks, the 
Credit Union is exposed to the following risk factors: [Note: 
Provide a description of the major risk factors to which the 
Credit Union is exposed, such as credit risk, investment risk, 
liquidity risk, interest rate risk and currency risk.]
	(h)	in Item 6B (as renumbered)
	(i)	by striking out "Shares in the Series" and 
substituting "Investment shares in the Series";
	(ii)	by striking out "attaching to the shares" and 
substituting "attaching to investment shares";
	(iii)	by striking out "and (if applicable) stabilization 
preferred share redemptions";
	(i)	in Item 6C (as renumbered)
	(i)	by adding "investment" after "buy back" and "sell 
your";
	(ii)	by striking out "After November 1, 1999, if" and 
substituting "If";
	(j)	in Item 6D (as renumbered) by adding "for the holder" 
after "authorizing resolution";
	(k)	in Item 6E (as renumbered) by striking out "The 
shares" and substituting "Investment shares";
	(l)	in Item 11 (as renumbered) by striking out "(or 
merge)";
	(m)	in Item 12 (as renumbered) by adding "accounting," 
before "legal".

77   The Credit Union Stabilization Preferred Shares 
Regulation (AR 262/85) is repealed.


--------------------------------
Alberta Regulation 112/2004
Marketing of Agricultural Products Act
ALBERTA PEACE REGION FORAGE SEED GROWERS 
AUTHORIZATION REGULATION
Filed:  June 9, 2004
Made by the Alberta Agricultural Products Marketing Council on May 17, 2004 
pursuant to section 26 of the Marketing of Agricultural Products Act. 
Definitions
1(1)  In this Regulation,
	(a)	"Act" means the Marketing of Agricultural Products Act;
	(b)	"Commission" means the commission established under the 
Plan with the name the Alberta Peace Region Forage Seed 
Growers;
	(c)	"Plan" means the plan established under Alberta Peace 
Region Forage Seed Growers Plan Regulation 
(AR 91/2004);
	(d)	"producer" means a producer as defined in the Plan;
	(e)	"regulated product" means regulated product as defined in 
the Plan.
(2)  Words defined in the Act or the Plan have the same meaning when 
used in this Regulation.
Regulations made under section 26 of the Act
2   For the purposes of enabling the Commission to operate the Plan, 
the Commission is hereby authorized under section 26 of the Act to 
make regulations
	(a)	requiring any person who produces, markets or processes the 
regulated product to furnish to the Commission any 
information or record relating to the production, marketing or 
processing of the regulated product that the Commission 
considers necessary;
	(b)	requiring persons other than producers to be licensed under 
the Plan before they become engaged in the marketing and 
processing, or either of those functions, of the regulated 
product;
	(c)	governing the issuance, suspension or cancellation of a 
licence issued under the Plan;
	(d)	providing for
	(i)	the assessment, charging and collection of service 
charges from producers from time to time for the 
purposes of the Plan, and
	(ii)	the taking of legal action to enforce payment of the 
service charges;
	(e)	providing for the refund of service charges;
	(f)	requiring any person who receives the regulated product from 
a producer
	(i)	to deduct from the money payable to the producer any 
service charges payable by the producer to the 
Commission, and
	(ii)	to forward the amount deducted to the Commission;
	(g)	providing for the use of any class of service charges or other 
money payable to or received by the Commission for the 
purpose of paying its expenses and administering the Plan 
and the regulations made by the Commission.
Expiry
3   For the purpose of ensuring that this Regulation is reviewed for 
ongoing relevancy and necessity, with the option that it may be 
repassed in its present or an amended form following a review, this 
Regulation expires on May 31, 2011.


--------------------------------
Alberta Regulation 113/2004
Funeral Services Act
GENERAL AMENDMENT REGULATION
Filed: June 10, 2004
Made by the Minister of Government Services (M.O. C:008/2004) on June 2, 2004 
pursuant to section 27 of the Funeral Services Act. 
1   The General Regulation (AR 226/98) is amended by this 
Regulation.

2   Section 13.1 is repealed and the following is substituted:
Authorization to embalm or cremate
13.1   A funeral services business licensee shall not
	(a)	embalm a dead human body without express 
authorization, or
	(b)	cremate a dead human body without express 
authorization in writing
from a person who the representative of the funeral services 
business believes on reasonable grounds has authority to control 
the disposition of the dead human body.



Alberta Regulation 114/2004
Apprenticeship and Industry Training Act
ELECTRICIAN TRADE AMENDMENT REGULATION
Filed: June 11, 2004
Made by the Alberta Apprenticeship and Industry Training Board on May 14, 2004 
pursuant to section 33(2) of the Apprenticeship and Industry Training Act. 
1   The Electrician Trade Regulation (AR 274/2000) is 
amended by this Regulation.

2   Section 5(2) is repealed and the following is substituted:
(2)  A person who is a certified journeyman in the trade or employs 
a certified journeyman in the trade may employ one apprentice and 
one additional apprentice for each additional certified journeyman 
in the trade that is employed by that person at the job site.


--------------------------------
Alberta Regulation 115/2004
Apprenticeship and Industry Training Act
COOK TRADE AMENDMENT REGULATION
Filed: June 11, 2004
Made by the Alberta Apprenticeship and Industry Training Board on May 14, 2004 
pursuant to section 33(2) of the Apprenticeship and Industry Training Act. 
1   The Cook Trade Regulation (AR 271/2000) is amended by 
this Regulation.

2   Section 3 is repealed and the following is substituted:
Tasks, activities and functions
3   When practising or otherwise carrying out work in the trade, the 
following tasks, activities and functions come within the trade:
	(a)	maintaining personal hygiene and applying sanitation 
and safe food handling techniques;
	(b)	operating and maintaining kitchen tools and equipment;
	(c)	identifying and preparing different types of food;
	(d)	maintaining and applying cooking principles and 
methods with respect to all aspects of cooking from 
basic cooking to advanced cooking;
	(e)	cleaning, preparing and cooking vegetables, fruits and 
fungi;
	(f)	preparing stocks, sauces and soups;
	(g)	using seasonings, herbs and spices;
	(h)	preparing egg and dairy products;
	(i)	preparing and cooking starches, farinaceous foods and 
cereals;
	(j)	preparing, cooking and dressing fish and seafood;
	(k)	preparing and cooking meats, poultry, game and variety 
meats;
	(l)	producing baked pastry and dessert products;
	(m)	preparing cold foods and buffets;
	(n)	preparing and cooking value added products;
	(o)	applying nutritional values and meeting special dietary 
needs;
	(p)	using cooking and chilling systems;
	(q)	preparing, cooking and storing food items for 
preservation;
	(r)	applying purchasing and management control;
	(s)	applying management skills.


Alberta Regulation 116/2004
Alberta Housing Act
SOCIAL HOUSING ACCOMMODATION AMENDMENT REGULATION
Filed: June 16, 2004
Made by the Minister of Seniors (M.O. H:007/2004) on May 27, 2004 pursuant to 
section 34(1)(i) of the Alberta Housing Act. 


1   The Social Housing Accommodation Regulation 
(AR 244/94) is amended by this Regulation.

2   Section 1 is amended
	(a)	in subsection (1)
	(i)	in clause (k) by striking out "citizen";
	(ii)	by repealing clause (n) and substituting the 
following:
	(n)	"total annual income" means
	(i)	in the case of a household other than a senior 
household, the total gross income, including 
self-employment income from all sources of 
all members of the household 15 years of age 
or older, except
	(A)	income of a live-in aide, and
	(B)	a payment or refund directly or 
indirectly from the Government of 
Alberta or the Government of Canada 
that is designed to protect consumers 
from high energy costs, 
					and
	(ii)	in the case of a senior household, the total 
income of all members of the senior 
household, each of whose income is
	(A)	the total income shown on line 150 of 
the Notice of Assessment in respect of 
the income tax return filed by the 
member under the Income Tax Act 
(Canada) for the immediately preceding 
taxation year, or
	(B)	if a Notice of Assessment is not 
available for the immediately preceding 
taxation year, the amount that is 
determined and verified by the 
management body using the same 
income information that would have 
been used by the member to report total 
income on line 150 of an income tax 
return for the immediately preceding 
taxation year.
	(b)	by repealing subsection (3)(o) and (p).

3   Section 6 is amended
	(a)	in subsection (1) by striking out "self-contained senior 
citizen's" and substituting "seniors self-contained";
	(b)	in subsection (3) by striking out "self-contained senior 
citizen's housing accommodation referred to in section 13(1) 
has self-contained senior citizen's" and substituting 
"seniors self-contained housing accommodation referred to in 
section 13(1) has seniors self-contained".

4   The heading preceding section 9 is amended by striking 
out "Social".

5   Section 9 is amended
	(a)	by repealing subsection (1) and substituting the 
following:
Community housing accommodation eligibility
9(1)  In this section, "community housing accommodation" 
means social housing accommodation not otherwise provided 
for under this Part.
	(b)	in subsection (2) by striking out "social".

6   The heading preceding section 10 is amended by 
striking out "Senior Citizen" and substituting "Seniors".

7   Section 10(1) is amended by striking out "citizen" 
wherever it occurs.
8   Section 12 is amended by striking out "citizen".

9   The heading preceding section 13 is repealed and the 
following substituted:
Seniors Self-contained 
Housing Accommodation

10   Section 13 is amended
	(a)	by repealing subsection (1) and substituting the 
following:
Self-contained accommodation
13(1)  In this section, "seniors self-contained housing 
accommodation" means any type of housing accommodation, 
with full services, intended to be used as a domicile by one or 
more senior households.
	(b)	in subsection (2) by striking out "citizen household is 
eligible for self-contained senior citizen's" and 
substituting "household is eligible for seniors 
self-contained".

11   The heading preceding section 14 is amended by 
striking out "Social".

12   Sections 14, 15, 16 and 17 are amended by striking out 
"social" wherever it occurs.

13   The heading preceding section 18 is repealed.

14   Section 18 is repealed.

15   Schedule D is repealed and the following is substituted:
SCHEDULE D 
 
LODGE ACCOMMODATION 
RATE SCHEDULE 

1(1)  In this Schedule,
	(a)	"cottage unit" means lodge accommodation without 
meals;
	(b)	"monthly disposable income" means the total monthly 
income less the monthly basic lodge rate;
	(c)	"standard lodge accommodation" means lodge 
accommodation other than a cottage unit;
	(d)	"total monthly income" in respect of a member of a 
senior household in lodge accommodation means
	(i)	the member's total income as shown on line 150 of 
the Notice of Assessment in respect of the income 
tax return filed by the member under the Income 
Tax Act (Canada) for the immediately preceding 
taxation year, less any federal and provincial taxes 
payable on that income, divided by 12, or
	(ii)	if a Notice of Assessment is not available for the 
immediately preceding taxation year, the amount 
that is determined and verified by the management 
body using the same income information that 
would have been used by the member to report 
total income on line 150 of an income tax return 
for the immediately preceding taxation year, 
divided by 12.
(2)  A management body providing lodge accommodation must 
charge for the accommodation according to this Schedule.
(3)  A management body must determine and set at least annually 
monthly basic lodge rates that will be charged for standard lodge 
accommodation and a cottage unit.
(4)  A management body must adjust a set monthly basic lodge rate 
for standard lodge accommodation as required to ensure that each 
member of a senior household in lodge accommodation who is 65 
years of age or older is left with a monthly disposable income of at 
least $265.

16   Section 1 of Schedule E is amended by striking out 
"social".



Alberta Regulation 117/2004
Marketing of Agricultural Products Act
ALBERTA PEACE REGION FORAGE SEED GROWERS 
MARKETING REGULATION
Filed: June 17, 2004
Made by the Alberta Peace Region Forage Seed Growers on June 9, 2004 pursuant to 
section 26 of the Marketing of Agricultural Products Act. 
Table of Contents
	1	Interpretation
	2	Service charge
	3	Change in the amount of the service charge
	4	Duties of dealers re service charge
	5	Refund of service charge
	6	Inspection of records re service charges
	7	Use of funds
	8	Interest on late payment of service charge
	9	Legal action
	10	Expiry
	11	Coming into force
Interpretation
1(1)  In this Regulation,
	(a)	"Act" means the Marketing of Agricultural Products Act;


	(b)	"Commission" means the commission established under the 
Plan with the name the Alberta Peace Region Forage Seed 
Growers;
	(c)	"crop class" means a forage seed class as defined in the 
Canadian Seed Growers' Association Regulations and 
Procedures for Pedigree Seed Crop Production,
	(i)	as Foundation, Registered or Certified, or
	(ii)	as common forage seed;
	(d)	"dealer" means a dealer as defined in the Plan;
	(e)	"Plan" means the Alberta Peace Region Forage Seed 
Growers Plan Regulation (AR 91/2004);
	(f)	"producer" means a producer as defined in the Plan;
	(g)	"regulated product" means regulated product as defined in 
the Plan.
(2)  Words used in this Regulation that are defined in the Plan have the 
same meaning as defined in the Plan.
Service charge
2   Every producer in the Alberta Peace Region must, with respect to 
each sale of the regulated product sold to a dealer, pay to the 
Commission a service charge at the rate of 0.75% of the total sale price 
of the regulated product sold to the dealer.
Change in the amount of the service charge
3(1)  The Commission may, from time to time, change the amount of 
the service charge.
(2)  Notwithstanding subsection (1), a change in the amount of the 
service charge is not effective until it has been approved by a vote of 
the eligible producers at an annual Commission meeting or a special 
Commission meeting.
Duties of dealers re service charge
4(1)  Any dealer who
	(a)	purchases regulated product from a producer, or
	(b)	acquires regulated product from a producer for sale on the 
producer's behalf,
must deduct the amount of the service charge payable by that producer 
in respect of that transaction from any proceeds payable to or on behalf 
of the producer.
(2)  Any dealer who collects a service charge must, subject to any 
directions given by the Commission, pay the service charge to the 
Commission,
	(a)	in the case of service charges collected during the period 
commencing on July 1 and concluding December 31, by the 
immediately following January 31, and
	(b)	in the case of service charges collected during the period 
commencing on January 1 concluding on June 30, by the 
immediately following July 31.
(3)  Notwithstanding subsection (2), if an arrangement is made 
between the Commission and the person collecting the service charge 
establishing time periods, other than the ones provided for under 
subsection (2), under which the service charges are to be paid to the 
Commission, the dealer must pay the service charges to the 
Commission in accordance with that arrangement unless otherwise 
directed by the Commission.
(4)  Any person who is required to collect and pay to the Commission 
the service charge payable by a producer must, when that person pays 
the service charge to the Commission, provide to the Commission, in 
respect of that producer, a summary detailing the following 
information:
	(a)	the name and address of the producer;
	(b)	the type and crop class of the regulated product, if available;
	(c)	the dollar value and quantity of the regulated products 
obtained from the producer;
	(d)	the amount of the service charge being paid on behalf of the 
producer.
Refund of service charge
5(1)  Any service charge that is paid by or on behalf of a producer is 
refundable to the producer on request of the producer.
(2)  A request for a refund of the service charge must
	(a)	be made in writing on a form established by the Commission, 
and
	(b)	contain the following information:
	(i)	the producer's name;
	(ii)	the producer's mailing address and telephone number;
	(iii)	the type and crop class of the regulated product, if 
available;
	(iv)	the dollar amount and quantity of the regulated product 
sold;
	(v)	the name and address of any dealer who collected the 
service charge on behalf of the producer;
	(vi)	any other information in respect of the refund not 
referred to in subclauses (i) to (v) that is requested by 
the Commission.
(3)  Requests for refunds of service charges that are collected during 
the previous year must be received by the Commission at its office 
prior to the end of January.
(4)  Any request for a refund that is not received by the Commission 
within the applicable time period referred to in subsection (3) is not to 
be considered by the Commission and the producer is not entitled to a 
refund in respect of which the request was made.
(5)  Notwithstanding subsection (4), the Commission may, if it is 
satisfied that extenuating circumstances exist that warrant its doing so, 
consider an application for a refund that is received after the applicable 
time period referred to in subsection (3).
(6)  Subject to subsection (4), the Commission must refund the service 
charge to the producer within 90 days after the end of the period in 
which the request for the refund relates.
Inspection of records re service charges
6(1)  Where the Commission is of the opinion that circumstances 
warrant it, the Commission may in writing require that a dealer 
produce for the Commission's inspection any record in the possession 
or under the control of the dealer that relates to the collection of 
service charges by the dealer.
(2)  Where a dealer receives a request in writing under subsection (1), 
the dealer must comply with the request in accordance with the terms, 
if any, set out in the request.
Use of funds
7   Any funds received by the Commission under the Plan and any 
interest that accrues in respect of those funds must be used by the 
Commission for the purposes of paying its expenses and administering 
the Plan and the regulations.
Interest on late payment of service charges
8   Where service charges are payable to the Commission and they are 
not paid to the Commission within the time provided for under this 
Regulation or by the Commission, interest must be paid to the 
Commission for any late payment of those service charges at the rate 
of 1% per month calculated on the balance due.
Legal action
9   The Commission may commence and maintain any legal action that 
is necessary to enforce the payment of service charges that are payable 
under the Plan and this Regulation.
Expiry
10   For the purpose of ensuring that this Regulation is reviewed for 
ongoing relevancy and necessity, with the option that it may be 
repassed in its present or an amended form following a review, this 
Regulation expires on May 31, 2011.
Coming into force
11   This Regulation comes into force on July 1, 2004.


--------------------------------
Alberta Regulation 118/2004
Alberta Energy and Utilities Board Act
ADMINISTRATION FEES AMENDMENT REGULATION
Filed: June 17, 2004
Made by the Alberta Energy and Utilities Board on June 14, 2004 pursuant to section 
6 of the Alberta Energy and Utilities Board Act. 
1   The Administration Fees Regulation (AR 135/2002) is 
amended by this Regulation.

2   Sections 1, 2 and 3 are repealed and the following is 
substituted:
Administration fee - coal mine
1(1)  In this section, "coal production" means the total tons of coal 
mined in Alberta by an operator of a coal mine in the 2003 
calendar year.
(2)  The administration fees payable for the purpose of section 6 of 
the Alberta Energy and Utilities Board Act for the fiscal year 
2004-2005 by operators in respect of their coal mines are 
calculated as follows:
		coal production x 3.79› for each ton of coal = 
			administration fee.
Administration fee - power plants
2(1)  In this section, "marketed production" means the total electric 
energy generated in Alberta by each operator of a power plant or 
plants that is exchanged through the Power Pool of Alberta, or sold 
to or through the City of Medicine Hat, in the 2003 calendar year.
(2)  The administration fees payable for the purpose of section 6 of 
the Alberta Energy and Utilities Board Act for the fiscal year 
2004-2005 by operators in respect of their power plants are 
calculated as follows:
		marketed production x $1.59 for each MWh = 
		administration fee.
(3)  Where the administration fee calculated under subsection (2) is 
less than $5000 in total, the operator is exempt from the payment 
of the administration fee.
Prescribed date
3   For the purposes of section 6 of the Alberta Energy and Utilities 
Board Act and this Regulation, the prescribed date for the fiscal 
year 2004-2005 is March 31, 2005.


--------------------------------
Alberta Regulation 119/2004
Oil and Gas Conservation Act
OIL AND GAS CONSERVATION AMENDMENT REGULATION
Filed: June 17, 2004
Made by the Alberta Energy and Utilities Board on June 14, 2004 pursuant to sections 
58 and 59 of the Oil and Gas Conservation Act. 
1   The Oil and Gas Conservation Regulation (AR 151/71) is 
amended by this Regulation.

2   Section 16.040 is repealed and the following is 
substituted:

16.040   For the purposes of these Regulations, oil sands projects 
shall be classed as follows:
	(a)	Class 1 - primary oils sands projects, consisting of projects 
producing bitumen volumes by cold flow method in the base 
year;
	(b)	Class 2 - thermal on-going oil sands projects, consisting of 
projects producing bitumen volumes by enhanced recovery 
method, (including projects that are experimental schemes 
within the meaning of the Oil Sands Conservation Act) in the 
base year;
	(c)	Class 3 - thermal growth oil sands projects, consisting of 
projects where
	(i)	the maximum amount of bitumen volumes that may be 
produced by enhanced recovery method is set out in the 
approval, and
	(ii)	the approval was issued or was last amended to change 
the maximum amount within the 5-year period ending 
on December 31 of the base year;
	(d)	Class 4 - mining on-going oil sands projects, consisting of 
projects producing bitumen volumes by mining in the base 
year;
	(e)	Class 5 - mining growth oil sands projects, consisting of 
projects where
	(i)	the maximum amount of bitumen volumes that may be 
produced by mining is set out in the approval, or in the 
application for the approval or for an amendment to the 
approval, and
	(ii)	the approval was issued or last amended to change the 
maximum amount or the most recent application for an 
amendment to change the maximum amount was made, 
as the case may be, within the 7-year period ending on 
December 31 of the base year.

3   Section 16.080 is repealed and the following is 
substituted:

16.080(1)  An operator of one or more approved oil sands projects 
shall pay for the base year the total of the administration fees 
calculated in accordance with the formulas set out in subsections 
(3) to (7).
(2)  An operator of a portion of an oil sands project shall pay for 
the base year an administration fee in the amount determined in 
accordance with subsection (1) that corresponds to that operator's 
portion of the oil sands project.
(3)  An operator of one or more Class 1 approved oil sands projects 
shall pay an administration fee calculated in accordance with the 
following formula:
		Fee for Class 1 = [(A x $5000) + B + (C x total bitumen 
volumes produced in the base year by the operator's Class 1 
oil sands projects)] x 2.35
		where
	A	is the number of Class 1 oil sands projects approvals 
held by the operator
	B	is the fixed amount selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the total bitumen volumes 
produced in the base year by the operator's Class 1 oil 
sands projects
	C	is the variable rate selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the total bitumen volumes 
produced in the base year by the operator's Class 1 oil 
sands projects.
(4)  An operator of one or more Class 2 approved oils sands 
projects shall pay an administration fee calculated in accordance 
with the following formula:
		Fee for Class 2 = [(A x $5000) + B + (C x total bitumen 
volumes produced in the base year by the operator's Class 2 
oil sands projects)] x 2.27
		where
	A	is the number of Class 2 oil sands projects approvals 
held by the operator
	B	is the fixed amount selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the total bitumen volumes 
produced in the base year by the operator's Class 2 oil 
sands projects
	C	is the variable rate selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the total bitumen volumes 
produced in the base year by the operator's Class 2 oil 
sands projects.
(5)  An operator of one or more Class 3 approved oil sands projects 
shall pay an administration fee in respect of each project calculated 
in accordance with the following formula:
		Fee for Class 3 project = [$5000 + A +(B x C)] x 1.15
		where
	A	is the fixed amount selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the amount that is determined by 
dividing the difference between the maximum amount 
of bitumen volumes that may be produced by the project 
in the base year under the approval and the volumes that 
were actually produced by the age of the approval or the 
most recent amended approval, calculated from the date 
of issuance to December 31 of the base year and 
rounded up to a full year (but if the bitumen volumes 
produced exceed the maximum amount that may be 
produced, A is $5000)
	B	is the variable rate selected from Table A which 
corresponds to the applicable production range from 
Table A that contains the amount that is determined by 
dividing the difference between the maximum amount 
of bitumen volumes that may be produced by the project 
in the base year under the approval and the volumes that 
were actually produced by the age of the approval or the 
most recent amended approval, calculated from the date 
of issuance to December 31 of the base year and 
rounded up to a full year (but if the project did not 
produce any bitumen in the base year or if the bitumen 
volumes produced exceed the maximum amount that 
may be produced, B is 0)
	C	is the amount determined by dividing the difference 
between the maximum amount of bitumen volumes that 
may be produced by the project in the base year under 
the approval and the volumes that were actually 
produced by the age of the approval or the most recent 
amended approval, calculated from the date of issuance 
to December 31 of the base year and rounded up to a 
full year.
(6)  An operator of one or more Class 4 approved oil sands projects 
shall pay an administration fee calculated in accordance with the 
following formula:
		Fee for Class 4 = [(A x $10 000) + B + (C x total bitumen 
volumes produced in the base year by the operator's Class 4 
oil sands projects)] x .81
		where
	A	is the number of Class 4 oil sands project approvals held 
by the operator
	B	is the fixed amount selected from Table B which 
corresponds to the applicable production range from 
Table B that contains the total bitumen volumes 
produced in the base year by the operator's Class 4 oil 
sands projects
	C	is the variable rate selected from Table B which 
corresponds to the applicable production range from 
Table B that contains the total bitumen volumes 
produced in the base year by the operator's Class 4 oil 
sands projects.
(7)  An operator of one or more Class 5 approved oil sands projects 
shall pay an administration fee in respect of each project calculated 
in accordance with the following formula:
		Fee for Class 5 project = [$10 000 + A +(B x C)] x 2.24
		where
	A	is the fixed amount selected from Table B which 
corresponds to the applicable production range from 
Table B that contains the amount that is determined by 
dividing the difference between the maximum amount 
of bitumen volumes that may be produced by the project 
in the base year under the application or approval and 
the volumes that were actually produced by the age of 
the approval, the most recent amended approval or the 
most recent application for an amendment to the 
approval, calculated from the date of issuance to 
December 31 of the base year and rounded up to a full 
year (but if the bitumen volume produced exceed the 
maximum amount that may be produced, A is $2500)
	B	is the variable rate selected from Table B which 
corresponds to the applicable production range from 
Table B that contains the amount that is determined by 
dividing the difference between the maximum amount 
of bitumen volumes that may be produced in the base 
year under the application or approval and the volumes 
that were actually produced by the age of the approval, 
the most recent amended approval or the most recent 
application for an amendment to the approval, 
calculated from the date of issuance to December 31 of 
the base year and rounded up to a full year (but if the 
project did not produce any bitumen in the base year or 
if the bitumen volumes produced exceed the maximum 
amount that may be produced, B is 0)
	C	is the amount determined by dividing the difference 
between the maximum amount of bitumen volumes that 
may be produced by the project in the base year under 
the application or approval and the volumes that were 
actually produced by the age of the approval, the most 
recent amended approval or the most recent application 
for an amendment to the approval, calculated from the 
date of issuance to December 31 of the base year and 
rounded up to a full year.
Table A 

Production Range (m3) 

Minimum
Maximum
Fixed amount 
$
Variable rate




0
4999
5000
0
5000
19 999
5000
0.5000
20 000
49 999
9000
0.3000
50 000
349 999
15 000
0.1800
350 000
2 499 999
50 000
0.0800
2 500 000
4 999 999
100 000
0.0600
5 000 000
9 999 999
200 000
0.0400
10 000 000
19 999 999
380 000
0.0220
20 000 000
29 999 999
570 000
0.0125
30 000 000

700 000
0.0100
Table B 

Production Range (m3) 

Minimum
Maximum
Fixed amount 
$
Variable rate




0
4999
2500
0
5000
19 999
2500
0.4000
20 000
49 999
6250
0.2125
50 000
349 999
10 000
0.1375
350 000
2 499 999
25 000
0.0946
2 500 000
4 999 999
65 000
0.0786
5 000 000
9 999 999
125 000
0.0666
10 000 000
19 999 999
200 000
0.0591
20 000 000
29 999 999
325 000
0.0529
30 000 000

500 000
0.0471

4   Section 16.081 is repealed and the following is 
substituted:

16.081   For the 2004-2005 fiscal year of the Board, the annual 
adjustment factor of 0.805 must be applied to the administration 
fees for wells described in clauses (c) to (h) of section 16.070.

5   Section 16.100 is repealed and the following is 
substituted:

16.100   For the purpose of Part 10 of the Act, the prescribed date 
for the 2004-2005 fiscal year of the Board is March 31, 2005.


--------------------------------
Alberta Regulation 120/2004
Public Utilities Board Act
GENERAL ASSESSMENT ORDER FOR THE FISCAL YEAR 2004-2005
Filed: June 17, 2004
Made by the Alberta Energy and Utilities Board on June 14, 2004 pursuant to section 
22 of the Public Utilities Board Act. 
Assessments
1   The assessments for the purposes of section 22 of the Public 
Utilities Board Act for the fiscal year 2004-2005 are prescribed as set 
out in the Schedule.
Repeal
2   The General Assessment Order for the Fiscal Year 2003-2004 
(AR 216/2003) is repealed.
Schedule
The following persons shall pay the following assessments in one lump 
sum on or before July 30, 2004:
ATCO Electric Ltd.	$   344 189
ATCO Gas and Pipelines Ltd.	2 533 633
AltaGas Utilities Inc.	164 782
EPCOR Energy Services (Alberta) Inc.	574 437
NOVA Gas Transmission Ltd.	1 226 814
FortisAlberta Inc.	486 146
Alberta Electric System Operator	1 616 000



Alberta Regulation 121/2004
Insurance Act
AUTOMOBILE ACCIDENT INSURANCE BENEFITS 
AMENDMENT REGULATION
Filed: June 21, 2004
Made by the Lieutenant Governor in Council (O.C. 270/2004) on June 21, 2004 
pursuant to section 629 of the Insurance Act. 
1   The Automobile Accident Insurance Benefits 
Regulations (AR 352/72) are amended by this Regulation.

2   Sections 1 and 2 are amended by striking out "313" and 
substituting "629".

3   The following is added after section 3:
4(1)  The Superintendent may prescribe fees and disbursements or 
the maximum fees and disbursements to be paid for any service, 
supply, report or any other activity or function necessitated by, 
described in or referred to in this Regulation.
(2)  The fees and disbursements or maximum fees and 
disbursements prescribed under subsection (1) must be published 
in The Alberta Gazette.
5   For the purpose of ensuring that this Regulation is reviewed for 
ongoing relevancy and necessity, with the option that it may be 
repassed in its present or an amended form following a review, this 
Regulation expires on September 30, 2011.

4   Schedule "A", Section B - Accident Benefits is amended 
in the introductory words by striking out "to or".

5   Schedule "A", Section B - Accident Benefits, Subsection 
1 - Medical Payments and Funeral Benefits is repealed and 
the following is substituted:
Subsection 1 - Medical Payments
(1)  In respect of
	(a)	injuries to which the Diagnostic and Treatment 
Protocols Regulation applies and that are diagnosed and 
treated in accordance with the protocols under that 
Regulation, the expenses payable for any service, 
diagnostic imaging, laboratory testing, specialized 
testing, supply, treatment, visit, therapy, assessment or 
making a report, or any other activity or function 
authorized under that Regulation, and payment must be 
made in the manner and subject to the provisions of that 
Regulation, notwithstanding anything to the contrary in 
Section B, and
	(b)	injuries
	(i)	to which the Diagnostic and Treatment Protocols 
Regulation applies but that are not diagnosed and 
treated in accordance with the protocols under that 
Regulation,
	(ii)	to which the Diagnostic and Treatment Protocols 
Regulation ceases to apply but for which the 
insured person wishes to make a claim under 
provision (3) of "Special Provisions, Definitions, 
and Exclusions of Section B", and
	(iii)	to which Section B applies, other than those 
injuries referred to in subclauses (i) and (ii),
		all reasonable expenses incurred within 2 years from the 
date of the accident as a result of those injuries for 
necessary medical, surgical, chiropractic, dental, 
hospital, psychological, physical therapy, occupational 
therapy, massage therapy, acupuncture, professional 
nursing and ambulance services and, in addition, for 
other services and supplies that are, in the opinion of the 
insured person's attending physician and in the opinion 
of the Insurer's medical advisor, essential for the 
treatment or rehabilitation of the injured person,
to the limit of $50 000 per person.
(2)  Notwithstanding provision (1),
	(a)	expenses payable in respect of chiropractic services 
provided under provision (1)(b) are limited to $750 per 
person;
	(b)	expenses payable in respect of massage therapy services 
provided under provision (1)(b) are limited to $250;
	(c)	expenses payable in respect of acupuncture services 
provided under provision (1)(b) are limited to $250.
(3)  Subject to provision (4), the Insurer is not liable under this 
provision for those portions of 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.
(4)  Except for those portions of expenses payable or recoverable 
under any law, provision (3) does not apply to expenses payable or 
recoverable for an injury to which the Diagnostic and Treatment 
Protocols Regulation applies.

6   Schedule "A", Section B - Accident Benefits, Subsection 
2 - Death and Total Disability is amended
	(a)	in the heading to Subsection 2 by adding ", Grief 
Counselling, Funeral" after "Death";
	(b)	in the heading to Part 1 - Death Benefits by adding 
", Grief Counselling and Funeral" after "Death";
	(c)	in Part 1 - Death, Grief Counselling and Funeral 
Benefits, by repealing provision A and substituting 
the following:
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/adult interdependent partner or 
dependants survive - of the following amount:
Age of Deceased at 
Date of Accident
Status of Deceased at 
Date of Accident

Head of 
Household
Spouse/Adult 
Interdependent 
Partner
Dependent 
Relative
Up to age of 4 years
-
-
$1000
5 to 9 years
-
-
 2000
10 to 17 years
$10 000
$10 000
 3000
18 to 64 years
 10 000
 10 000
 2000
65 to 69 years
 10 000
 10 000
 2000
70 years and over
 10 000
 10 000
 1000
In addition, funeral service expenses up to the amount of $2000 
in respect of the death of any one person.
In addition, grief counselling expenses up to the amount of $400 
per family in respect of the death of any one person.
In addition, with respect to the death of the head of household,
	(a)	where there are 2 or more survivors who are 
	(i)	a spouse/adult interdependent partner and one or 
more dependent relatives, or
	(ii)	2 or more dependent relatives,
		the principal sum payable is increased 20% for each 
survivor other than the first, and
	(b)	where there is a spouse/adult interdependent partner or 
dependent relative survivor living in the household, the 
death benefit is increased
	(i)	by $15 000 for the first spouse/adult 
interdependent partner or dependent relative 
survivor, and
	(ii)	by a subsequent $4000 for each of the remaining 
survivors.
	(d)	in Part 1 - Death, Grief Counselling and Funeral 
Benefits, under the heading "For the Purposes of 
this Part 1"
	(i)	in provision (2)
	(A)	in clause (a) by striking out "spouse" and 
substituting "spouse/adult interdependent 
partner";
	(B)	by repealing clause (b) and substituting 
the following:
	(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 
on the head of household or the spouse/adult 
interdependent partner of the head of 
household (or both the head of household and 
the spouse/adult interdependent partner) for 
financial support;
	(ii)	by adding the following after provision (2):
(2.1)  If the head of household has both a spouse and an 
adult interdependent partner, a reference to spouse/adult 
interdependent partner or surviving spouse/adult 
interdependent partner means
	(a)	the spouse or surviving spouse, or
	(b)	the adult interdependent partner or surviving adult 
interdependent partner
living in the same dwelling premises as the head of 
household.
	(iii)	in provisions (3), (4) and (5) by striking out 
"spouse" wherever it occurs and substituting 
"spouse/adult interdependent partner";
	(iv)	by adding the following after provision (7):
(8)  The amount payable under this Part for grief 
counselling is payable to the spouse/adult interdependent 
partner or other immediate family member of the deceased 
in respect of grief counselling for the immediate family 
members of an insured person who dies as a result of the 
accident.
	(e)	in Part II - Total Disability, under the heading 
"Amount of Weekly Benefit"
	(i)	in clause (b) of the description of the weekly 
benefit, by adding "occupation or" before 
"employment" and by striking out "or 2(B)";
	(ii)	by striking out "clause (3)" and substituting 
"provision (3)";
	(iii)	by repealing provision (1) and substituting the 
following:
(1)  an insured person who is not engaged in an occupation 
or employment for wages or profit and is completely 
incapacitated and unable to perform any of his or her 
household duties shall, while so incapacitated, receive $100 
per week for not more than 26 weeks;
	(iv)	by adding the following after provision (1):
(1.1)  average gross weekly earnings is the greater of
	(a)	average gross weekly earnings from an occupation 
or employment for the 4 weeks preceding the 
accident, and
	(b)	average gross weekly earnings from an occupation 
or employment for the 52 weeks preceding the 
accident;
	(v)	by repealing provision (3) and substituting the 
following:
(3)  if the benefits for loss of time payable under this Part, 
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 average gross weekly earnings of 
the insured person, the weekly benefit shall be calculated 
in accordance with the following formula:
WB = 80% of WE x PB
                                       PB + OB
where
	WB	is the weekly benefit,
	WE	is the average gross weekly earnings of the 
insured person,
	PB	is the lesser of $300 and 80% of WE,
	OB		is the total of all other weekly benefits payable 
to the insured person under other contracts, 
including a contract of group accident insurance 
and a life insurance contract providing 
disability insurance, excluding benefits under 
the Employment Insurance Act (Canada) and 
the Canada Pension Plan (Canada);

7   Schedule "A", Section B - Accident Benefits, Subsection 
2(A) - Supplemented Benefits Respecting Accidents 
Occurring Outside Alberta in a No-fault Jurisdiction is 
amended in section 2A(1)(c)(ii)(A), (iv)(A) and (v)(A) by 
striking out "spouse" wherever it occurs and substituting 
"spouse/adult interdependent partner".

8   Schedule "A", Section B - Accident Benefits is amended 
under the heading "Special Provisions, Definitions, and 
Exclusions of Section B"
	(a)	in provision (1)(b), (d), (e) and (f) by striking out 
"spouse" wherever it occurs and substituting 
"spouse/adult interdependent partner";
	(b)	in provision (1)(b)(i) by striking out "spouses" and 
substituting "spouses/adult interdependent partners";
	(c)	by adding the following after provision (1):
(1.1)  "Prescribed claim form" Defined - In this section, the 
words "prescribed claim form" mean a form prescribed by the 
Minister under section 803 of the Insurance Act.
(1.2)  "Spouse/adult interdependent partner" Defined - In this 
section, the words "spouse/adult interdependent partner" mean 
the spouse or adult interdependent partner, as the case may be.
	(d)	in provision (2)(a) by striking out "clause (I)" and 
substituting "provision (1)";
	(e)	by repealing provision (3) and substituting the 
following:
(3)  Notice and Proof of Claim - Subject to the Diagnostic and 
Treatment Protocols Regulation, the insured person or the 
insured person's agent, or the person otherwise entitled to make a 
claim or that person's agent, shall
	(a)	deliver personally,
	(b)	mail,
	(c)	fax, or
	(d)	send by e-mail if both parties have agreed to this 
method of sending and receiving notices and other 
documents,
a properly completed prescribed claim form, containing at least 
the information referred to in provision (3.1), to the chief 
agency or head office of the Insurer in Alberta within 30 days 
of the accident, or if giving notice within 30 days is not 
reasonable, as soon as practicable after that.
(3.1)  Contents of Claim Form - The completed prescribed 
claim form must include
	(a)	details of the injury, and
	(b)	details of the accident that are within the personal 
knowledge of the insured person.
(3.2)  Responsibility for Expenses Related to Completion of 
Claim Form - The Insurer shall pay all expenses incurred by or 
on behalf of the insured person in completing the medical 
report portion of the prescribed claim form.
(3.3)  Total Disability Claim - With respect to a total disability 
claim, the insured person shall, if so required by the Insurer, 
furnish a certificate from a duly qualified medical practitioner 
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.
	(f)	in provision (4) by striking out "Medical Reports - The" 
and substituting "Medical Reports - Subject to provision 
(4.1), the";
	(g)	by adding the following after provision (4):
(4.1)  Exemption - The Insurer has no right and the claimant is 
under no obligation under provision (4) with respect to
	(a)	injuries to which the Diagnostic and Treatment 
Protocols Regulation applies during the period and with 
respect to any service, diagnostic imaging, laboratory 
testing, specialized testing, supply, treatment, visit, 
therapy, assessment, making a report or other activity or 
function authorized under that Regulation;
	(b)	subject to provision (4.2), any other injuries for which 
the following services are provided:
	(i)	chiropractic services;
	(ii)	massage therapy services;
	(iii)	acupuncture services;
	(iv)	the following services to the extent of the specified 
limit:
	(A)	psychological services, up to $600 per 
person;
	(B)	physical therapy services, up to $600 per 
person;
	(C)	occupational therapy services, up to $600 per 
person.
(4.2)  Non-application - Provision (4.1)(b) does not apply to 
those injuries to which the Diagnostic and Treatment Protocols 
Regulation ceases to apply.
	(h)	in provision (6)
	(i)	by repealing clause (a) and substituting the 
following:
	(a)	Except for the expenses authorized to be paid in 
accordance with the Diagnostic and Treatment 
Protocols Regulation, all amounts payable under 
Section B other than benefits under Part II of 
Subsection 2 shall be paid by the Insurer within 60 
days after it has received a completed prescribed 
claim form.  The initial benefits for loss of time 
under Part II of Subsection 2 shall be paid within 
30 days after the Insurer has received the 
completed prescribed claim form, 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.
	(ii)	in clause (b) by striking out "3 and 4 hereof" and 
substituting "(3) and (4)".
	(i)	by repealing provisions (7) and (8).

9   This Regulation comes into force on October 1, 2004.


--------------------------------
Alberta Regulation 122/2004
Insurance Act
DIAGNOSTIC AND TREATMENT PROTOCOLS REGULATION
Filed: June 21, 2004
Made by the Lieutenant Governor in Council (O.C. 271/2004) on June 21, 2004 
pursuant to section 629 of the Insurance Act. 
Table of Contents
	1	Definitions
Part 1 
Application and Operation
	2	Application of this Regulation
	3	Authorization for additional services or supplies
	4	Interpretative bulletins and information circulars
	5	Prescribed fees
Part 2 
Diagnosis and Treatment Protocols
Division 1 
Diagnosis and Treatment Protocol for Strains
	6	Protocols established
	7	Developing the diagnosis
	8	Treatment protocols
	9	Diagnostic and treatment authorization


Division 2 
Diagnosis and Treatment Protocol for Sprains
	10	Protocols established
	11	Developing the diagnosis
	12	Treatment protocols
	13	Diagnostic and treatment authorization
Division 3 
Diagnostic and Treatment Protocol for WAD Injuries
	14	Protocols established
	15	Developing the diagnosis
Diagnostic Criteria and Treatment of WAD I Injuries
	16	Diagnostic criteria:  WAD I injuries
	17	Treatment protocols:  WAD I injuries
	18	Diagnostic and treatment authorization
Diagnostic Criteria and Treatment of WAD II Injuries
	19	Diagnostic criteria:  WAD II injuries
	20	Treatment protocols:  WAD II injuries
	21	Diagnostic and treatment authorization
Division 4 
Treatment Limits and Referrals
	22	Aggregate limits on visits
	23	Assessment of non-protocol injuries
	24	Referral to injury management consultant
	25	Injuries unresolved after 90 days
Part 3 
Injury Management Consultants Register
	26	Register established
	27	Eligibility requirements
	28	Ceasing to be an injury management consultant
	29	Transitional
Part 4 
Claims and Payment of Claims
	30	Definitions
	31	Priority of this Part
	32	Claims
	33	Decision by insurer
	34	Failure of insurer to respond
	35	Subsequent denial of liability
	36	Making and paying claims
	37	Sending notices
	38	Multiple claims
Part 5 
Review and Coming Into Force
	39	Review
	40	Coming into force
Definitions
1(1)  In this Regulation,
	(a)		"client" means an insured person as defined in the 
Automobile Accident Insurance Benefits Regulations 
(AR 352/72);
	(b)	"evidence-based practice" means the conscientious, explicit 
and judicious use of current best practice in making decisions 
about the care of a client, integrating individual clinical 
expertise with the best available external clinical evidence 
from systematic research;
	(c)	"health care practitioner" means 
	(i)	a physician, 
	(ii)	a registered member as defined in the Chiropractic 
Profession Act, or 
	(iii)	a physical therapist as defined in the Physical Therapy 
Profession Act, 
		who is entitled to practise their profession in Alberta;
	(d)	"IMC register" means the register of injury management 
consultants established under section 26;
	(e)	"injury management consultant" means a health care 
practitioner who is entered on the IMC register in accordance 
with Part 3;
	(f)	"insurer" has the same meaning as it has in the Automobile 
Accident Insurance Benefits Regulations (AR 352/72);
	(g)	"International Classification of Diseases" means the most 
recent edition of the publication titled the International 
Statistical Classification of Diseases and Related Health 
Problems, Canada, published by the Canadian Institute of 
Health Information, based on a publication issued from time 
to time titled the International Statistical Classification of 
Diseases and Related Health Problems, published by the 
World Health Organization;
	(h)	"prescribed claim form" means the form established by the 
Minister under section 803 of the Insurance Act;
	(i)	"protocols" means the diagnostic and treatment protocols 
established by this Regulation;
	(j)	"sprain" means an injury to one or more of the tendons or 
ligaments, or to both;
	(k)	"strain" means an injury to one or more muscles;
	(l)	"Superintendent" means the Superintendent of Insurance 
appointed under the Insurance Act;
	(m)	"WAD injury" means a whiplash associated disorder other 
than one that exhibits one or both of the following:
	(i)	objective, demonstrable, definable and clinically 
relevant neurological signs;
	(ii)	a fracture to or a dislocation of the spine.
(2)  For the purpose of section 629 of the Act, "assessment" includes 
diagnosis.
Part 1 
Application and Operation
Application of this Regulation
2   This Regulation applies only in cases where
	(a)	a client wishes to be diagnosed and treated in accordance 
with the protocols for a sprain, strain or WAD injury caused 
by an accident arising from the use or operation of an 
automobile, and
	(b)	a health care practitioner chooses to diagnose and treat the 
client's sprain, strain or WAD injury in accordance with the 
protocols.
Authorization for additional services or supplies
3   Nothing in this Regulation prevents or limits a client or a health 
care practitioner from applying to an insurer for an authorization for a 
service or supply in addition to the limits specified by this Regulation, 
and the insurer may, in accordance with the Automobile Accident 
Insurance Benefits Regulations (AR 352/72), approve the additional 
service or supply.
Interpretative bulletins and information circulars
4   The Superintendent may issue interpretative bulletins and 
information circulars
	(a)	describing the anticipated roles and general expectations of 
those persons affected by or who have an interest in the 
implementation, application and administration of the 
protocols;
	(b)	respecting the administration, implementation and operation 
of the protocols;
	(c)	respecting any other matter the Superintendent considers 
appropriate.
Prescribed fees
5(1)  The Superintendent may prescribe the fees and disbursements or 
the maximum fees and disbursements to be paid for any service, 
diagnostic imaging, laboratory testing, specialized testing, supply, 
treatment, visit, therapy, assessment or making a report under this 
Regulation, or any other activity or function necessitated by, described 
in or referred to in this Regulation.
(2)  The fees and disbursements or maximum fees and disbursements 
prescribed under subsection (1) must be published in The Alberta 
Gazette.
Part 2 
Diagnosis and Treatment Protocols
Division 1 
Diagnosis and Treatment 
Protocol for Strains
Protocols established
6   Sections 7 to 9 are established as protocols for the diagnosis and 
treatment of strains.
Developing the diagnosis
7(1)  With reference to the International Classification of Diseases and 
using evidence-based practice, a diagnosis of a strain is to be 
established by a health care practitioner using the following process:
	(a)	taking a history of the client, including
	(i)	how the injury occurred,
	(ii)	the current symptoms the client is experiencing,
	(iii)	the client=s relevant past history, including physical, 
psychological, emotional, cognitive and social history, 
and
	(iv)	how the client's physical functions have been affected 
by the injury;
	(b)	examining the client, including
	(i)	a general examination,
	(ii)	a relevant regional examination, including
	(A)	an examination of the neurological system, and 
	(B)	an examination of the musculoskeletal system,
			and
	(iii)	assessing the pain associated with the injury;
	(c)	making an ancillary investigation, including, as required,
	(i)	diagnostic imaging, 
	(ii)	laboratory testing, and
	(iii)	specialized testing;
	(d)	identifying the muscle or muscle groups injured.
(2)  If a strain is diagnosed, the diagnostic criteria to be used to 
determine the degree of severity of the strain are set out in the 
following table, extracted from Orthopaedic Physical Assessment by 
David J. Magee, (3rd), (1997), pg 19, with permission from Elsevier 
Inc.:


1st degree 
strain
2nd degree 
strain
3rd degree strain
Definition of 
the degree of 
strain
Few fibres 
of muscle 
torn
About half of 
muscle fibres 
torn
All muscle fibres torn 
(rupture)
Mechanism 
of injury
Overstretch 
Overload
Overstretch 
Overload 
Crushing
Overstretch Overload 
Crushing
Onset
Acute
Acute
Acute
Weakness 
Minor
Moderate to 
major (reflex 
inhibition)
Moderate to major
Disability
Minor
Moderate
Major
Muscle 
spasm
Minor
Moderate to 
major
Major
Swelling
Minor
Moderate to 
major
Moderate to major
Loss of 
function
Minor
Moderate to 
major
Major (reflex 
inhibition)
Pain on 
isometric 
contraction
Minor
Moderate to 
major
None to minor
Pain on 
stretch
Yes
Yes
Not if it is the only 
tissue injured; 
however, other 
structures may suffer 
1st degree or 2nd 
degree injuries and be 
painful
Joint play
Normal
Normal
Normal
Palpable 
defect
No
No
Yes (if detected early)
Range of 
motion
Decreased
Decreased
May increase or 
decrease depending on 
swelling
Treatment protocols
8   A strain is to be treated by
	(a)	educating the client with respect to at least the following 
matters:
	(i)	the desirability of an early return to normal activities 
and to work, if applicable;
	(ii)	an estimate of the probable length of time that 
symptoms will last;
	(b)	managing inflammation and pain, as required,  
	(i)	by the protected use of ice;
	(ii)	by elevating the injured area;
	(iii)	by compression;
	(c)	teaching the client about maintaining flexibility, balance, 
strength and the functions of the injured area;
	(d)	giving advice about self-care and the disadvantage of 
extended dependence on health care providers;
	(e)	subject to section 9(3), providing treatment that is 
appropriate and within the scope of practice of the person 
providing it under 
	(i)	the Medical Profession Act,
	(ii)	the Chiropractic Profession Act, or 
	(iii)	the Physical Therapy Profession Act,
		as the case may be, and that is necessary, in the opinion of 
the health care practitioner, for the treatment or rehabilitation 
of the injury;
	(f)	any other adjunct therapy that, in the opinion of the health 
care practitioner, is necessary for the treatment or 
rehabilitation of the injury and that is linked to the continued 
clinical improvement of the client.
Diagnostic and treatment authorization
9(1)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a 1st degree strain, a 2nd degree strain 
or a 3rd degree strain,
	(a)	one visit to a health care practitioner for an assessment of the 
injury, including the preparation of a treatment plan and 
prescribed claim form, if required, which is in addition to the 
visits that may be authorized under subsection (2);
	(b)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(c)	necessary medication to manage the inflammation or pain, or 
both;
	(d)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(2)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a 1st degree strain or a 2nd degree 
strain, not more than a combined total of 10 medical, physical therapy, 
chiropractic and adjunct therapy visits to provide the treatment 
described in section 8.
(3)  Under these protocols, a health care practitioner may not use a 
visit to treat a 1st degree strain or a 2nd degree strain by a deliberate, 
brief, fast thrust to move the joints of the spine beyond the normal 
range but within the anatomical range of motion, which generally 
results in an audible click or pop.
(4)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a 3rd degree strain,
	(a)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(b)	necessary medication;
	(c)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(5)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a 3rd degree strain, a combined total of 
21 medical, physical therapy, chiropractic and adjunct therapy visits to 
provide the treatment described in section 8, and in particular 
definitive care of specific muscles or muscle groups at specific 
anatomical sites, including, as required,
	(a)	immobilization,
	(b)	strengthening exercises,
	(c)	surgery, and
	(d)	if surgery is required, post-operative rehabilitation therapy.
Division 2 
Diagnosis and Treatment 
Protocol for Sprains
Protocols established
10   Sections 11 to 13 are established as protocols for the diagnosis 
and treatment of sprains.
Developing the diagnosis
11(1)  With reference to the International Classification of Diseases 
and using evidence-based practice, a diagnosis of a sprain is to be 
established by a health care practitioner using the following process:
	(a)	taking a history of the client, including
	(i)	how the injury occurred,
	(ii)	the current symptoms the client is experiencing,
	(iii)	the client=s relevant past history, including physical, 
psychological, emotional, cognitive and social history, 
and
	(iv)	how the client's physical functions have been affected 
by the injury;
	(b)	examining the client, including
	(i)	a general examination,
	(ii)	a relevant regional examination, including
	(A)	an examination of the neurological system, and
	(B)	an examination of the musculoskeletal system,
			and
	(iii)	assessing the pain associated with the injury;
	(c)	making an ancillary investigation, including, as required,
	(i)	diagnostic imaging,
	(ii)	laboratory testing, and
	(iii)	specialized testing;
	(d)	identifying the tendons or ligaments, or both, that are 
involved and the specific anatomical site of the injury.
(2)  If a sprain is diagnosed, the diagnostic criteria to be used to 
determine the degree of severity of the sprain are set out in the 
following table, extracted from Orthopaedic Physical Assessment by 
David J. Magee, (3rd), (1997), pg 19, with permission from Elsevier 
Inc.:


1st degree 
sprain
2nd degree 
sprain
3rd degree sprain
Definition 
of the 
degree of 
sprain
Few fibres of 
ligament torn 
(partial tear, no 
instability or 
opening of the 
joint)
About half of 
ligament torn 
(partial tear with 
some instability 
indicated by 
partial opening 
of the joint on 
stress 
manoeuvres) 
All fibres of 
ligament torn 
(complete tear with 
complete opening 
of the joint on 
stress manoeuvres)
Mechanism 
of injury
Overstretch 
Overload
Overstretch 
Overload 
Overstretch 
Overload
Onset
Acute
Acute
Acute
Weakness 
Minor
Minor to 
moderate  
Minor to moderate  
Disability
Minor
Moderate
Moderate to major
Muscle 
spasm
Minor
Minor
Minor
Swelling
Minor
Moderate
Moderate to major
Loss of 
function
Minor
Moderate to 
major
Moderate to major 
(instability)
Pain on 
isometric 
contraction
None
None
None
Pain on 
stretch
Yes
Yes
Not if it is the only 
tissue injured; 
however, other 
structures may 
suffer 1st degree or 
2nd degree injuries 
and be painful
Joint play
Normal
Normal
Normal to 
excessive
Palpable 
defect
No
No
Yes 
Range of 
Motion
Decreased
Decreased
May increase or 
decrease 
depending on 
swelling 
Dislocation or 
subluxation 
possible
Treatment protocols
12   A sprain is to be treated by
	(a)	educating the client with respect to at least the following 
matters:
	(i)	the desirability of an early return to normal activities 
and to work, if applicable;
	(ii)	an estimate of the probable length of time that 
symptoms will last;
	(b)	managing inflammation and pain, as required,  
	(i)	by the protected use of ice;
	(ii)	by elevating the injured area;
	(iii)	by compression;
	(c)	teaching the client about maintaining flexibility, balance, 
strength and the functions of the injured area;
	(d)	giving advice about self-care and the disadvantage of 
extended dependence on health care providers;
	(e)	subject to section 13(3), providing treatment that is 
appropriate and within the scope of practice of the person 
providing it under
	(i)	the Medical Profession Act,
	(ii)	the Chiropractic Profession Act, or
	(iii)	the Physical Therapy Profession Act, 
		as the case may be, and that is necessary, in the opinion of 
the health care practitioner, for the treatment or rehabilitation 
of the injury;
	(f)	any other adjunct therapy that, in the opinion of the health 
care practitioner, is necessary for the treatment or 
rehabilitation of the injury and that is linked to the continued 
clinical improvement of the client.
Diagnostic and treatment authorization
13(1)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a 1st degree sprain, a 2nd degree sprain 
or a 3rd degree sprain,
	(a)	one visit to a health care practitioner for an assessment of the 
injury, including the preparation of a treatment plan and 
prescribed claim form, if required, which is in addition to the 
visits that may be authorized under subsection (2);
	(b)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(c)	necessary medication to manage the inflammation or pain, or 
both;
	(d)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(2)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a 1st degree sprain or a 2nd degree, 
sprain not more than a combined total of 10 medical, physical therapy, 
chiropractic and adjunct therapy visits to provide the treatment 
described in section 12.
(3)  Under these protocols, a health care practitioner may not use a 
visit to treat a 1st degree sprain or a 2nd degree sprain by a deliberate, 
brief, fast thrust to move the joints of the spine beyond the normal 
range but within the anatomical range of motion, which generally 
results in an audible click or pop.
(4)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a 3rd degree sprain,
	(a)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(b)	necessary medication;
	(c)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(5)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a 3rd degree sprain, a combined total of 
21 medical, physical therapy, chiropractic and adjunct therapy visits to 
provide the treatment described in section 12, and in particular 
definitive care of specific tendons or ligaments at specific anatomical 
sites, including, as required,
	(a)	immobilization,
	(b)	strengthening exercises,
	(c)	surgery, and
	(d)	if surgery is required, post-operative rehabilitation therapy.
Division 3 
Diagnostic and Treatment Protocol 
for WAD Injuries
Protocols established
14   Sections 15 to 21 are established as protocols for the diagnosis 
and treatment of WAD injuries.
Developing the diagnosis
15   With reference to the Scientific Monograph of the Quebec Task 
Force on Whiplash Associated Disorders: Redefining "Whiplash" and 
Its Management, published by Hagerstown, MD: J.B. Lippincott 
Company, 1995, and using evidence-based practice, a diagnosis of a 
WAD injury is to be established by a health care practitioner using the 
following process:
	(a)	taking a history of the client, including
	(i)	how the injury occurred,
	(ii)	the current symptoms the client is experiencing,
	(iii)	the client's relevant past history, including physical, 
psychological, emotional, cognitive and social history,
	(iv)	inquiry into alerting factors that may influence 
prognosis, and
	(v)	how the client's physical functions have been affected 
by the injury;
	(b)	examining the client, including
	(i)	a general examination,
	(ii)	a relevant regional examination, including
	(A)	an examination of the neurological system, and
	(B)	an examination of the musculoskeletal system,
			and
	(iii)	assessing the pain associated with the injury;
	(c)	making an ancillary investigation, including, as required,
	(i)	diagnostic imaging,
	(ii)	laboratory testing, and
	(iii)	specialized testing;
	(d)	identifying the anatomical sites.
Diagnostic Criteria and Treatment  
of WAD I Injuries
Diagnostic criteria:  WAD I injuries
16(1)  If a WAD injury is diagnosed, the criteria to be used to 
diagnose a WAD I injury are
	(a)	complaints of spinal pain, stiffness or tenderness;
	(b)	no demonstrable, definable and clinically relevant physical 
signs of injury;
	(c)	no objective, demonstrable, definable and clinically relevant 
neurological signs of injury;
	(d)	no fractures to or dislocation of the spine.
(2)  If a WAD I injury is diagnosed, no further investigation of the 
injury is warranted, unless there is cause to do so.
Treatment protocols:  WAD I injuries
17   A WAD I injury is to be treated, as required, by
	(a)	educating the client with respect to at least the following 
matters:
	(i)	the desirability of an early return to normal activities 
and to work, if applicable;
	(ii)	an estimate of the probable length of time that 
symptoms will last;
	(iii)	reassurance that there is likely no serious currently 
detectable underlying cause of the pain;
	(iv)	the importance of postural and body mechanics control;
	(v)	that the use of a soft collar is not advised;
	(vi)	the probable factors that are responsible for other 
symptoms the client may be experiencing that are 
temporary in nature and that are not reflective of tissue 
damage, including
	(A)	disturbance of balance,
	(B)	disturbance or loss of hearing,
	(C)	limb pain or numbness,
	(D)	cognitive dysfunction, and
	(E)	jaw pain;
	(b)	giving advice about self-care and the disadvantage of 
extended dependence on health care providers;
	(c)	prescribing medication, including the appropriate use of 
analgesics, which may include short-term use of non-opoid 
analgesics or non-steroidal anti-inflammatory drugs, but 
muscle relaxants and narcotics are not authorized under these 
protocols for treatment of WAD I injuries;
	(d)	in the case of treatment of an injury,
	(i)	pain management, as required;
	(ii)	injury specific exercises;
	(iii)	early return to normal activities;
	(iv)	a home exercise program to improve range of motion;
	(v)	thermal therapy by the client;
	(vi)	preparing the client for a return to work, if appropriate;
	(e)	providing treatment that is appropriate and within the scope 
of practice of the person providing it under 
	(i)	the Medical Profession Act,
	(ii)	the Chiropractic Profession Act, or 
	(iii)	the Physical Therapy Profession Act,
		as the case may be, and that is necessary, in the opinion of 
the health care practitioner, for the treatment or rehabilitation 
of the injury;
	(f)	any other adjunct therapy that, in the opinion of the health 
care practitioner, is necessary for the treatment or 
rehabilitation of the injury and that is linked to the continued 
clinical improvement of the client.
Diagnostic and treatment authorization
18(1)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a WAD I injury,
	(a)	one visit to a health care practitioner for an assessment of the 
injury, including the preparation of a treatment plan and 
prescribed claim form, if required, which is in addition to the 
visits that may be authorized under subsection (2);
	(b)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(c)	necessary medication to manage the inflammation or pain, or 
both;
	(d)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(2)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a WAD I injury, not more than a 
combined total of 10 medical, physical therapy, chiropractic and 
adjunct therapy visits to provide the treatment described in section 17.
Diagnostic Criteria and Treatment 
of WAD II Injuries
Diagnostic criteria:  WAD II injuries
19(1)  If a WAD injury is diagnosed, the criteria to be used to 
diagnose a WAD II injury are
	(a)	complaints of spinal pain, stiffness or tenderness;
	(b)	demonstrable, definable and clinically relevant physical signs 
of injury, including
	(i)	musculoskeletal signs of decreased range of motion of 
the spine, and
	(ii)	point tenderness of spinal structures affected by the 
injury;
	(c)	no objective, demonstrable, definable and clinically relevant 
neurological signs of injury;
	(d)	no fracture to or dislocation of the spine.
(2)  An investigation to determine a WAD II injury and to rule out a 
more severe whiplash injury may include
	(a)	for cervical spine injuries, radiographic series in accordance 
with The Canadian C-Spine Rule for Radiography in Alert 
and Stable Trauma Patients, published in the Journal of the 
American Medical Association, October 17, 2001 - Volume 
286, No. 15;
	(b)	for thoracic, lumbar and lumbosacral spine injuries, 
radiographic series appropriate to the region of the spine that 
is injured, if the client has one or more of the following 
characteristics: 
	(i)	an indication of bone injury;
	(ii)	an indication of significant degenerative changes or 
instability;
	(iii)	an indication of rheumatoid arthritis;
	(iv)	an indication of osteoporosis;
	(v)	a history of cancer.
(3)  The use of magnetic resonance imaging or computerized 
tomography is not authorized under these protocols, unless 3 plain 
view films are equivocal.
Treatment protocols:  WAD II injuries
20   A WAD II injury is to be treated, as required, by
	(a)	educating the client with respect to at least the following 
matters:
	(i)	the desirability of an early return to normal activities 
and to work, if applicable;
	(ii)	an estimate of the probable length of time that 
symptoms will last;
	(iii)	reassurance that there is likely no serious currently 
detectable underlying cause of the pain;
	(iv)	the importance of postural and body mechanics control;
	(v)	that the use of a soft collar is not advised;
	(vi)	the probable factors that are responsible for other 
symptoms the client may be experiencing that are 
temporary in nature and that are not reflective of tissue 
damage, including
	(A)	disturbance of balance,
	(B)	disturbance or loss of hearing,
	(C)	limb pain or numbness,
	(D)	cognitive dysfunction, and
	(E)	jaw pain;
	(b)	giving advice about self-care and the disadvantage of 
extended dependence on health care providers;
	(c)	prescribing medication, including the appropriate use of 
analgesics, which may include short-term use of non-opoid 
analgesics or non-steroidal anti-inflammatory drugs, but 
muscle relaxants and narcotics are not authorized under these 
protocols for treatment of WAD II injuries;
	(d)	in the case of treatment of an injury,
	(i)	pain management, as required;
	(ii)	injury specific exercises;
	(iii)	early return to normal activities;
	(iv)	a home exercise program to improve range of motion;
	(v)	initiation of manipulation, manual therapy or 
mobilization, or any 2 or more of them, to improve 
function, if appropriate;
	(vi)	preparing the client for a return to work, if appropriate;
	(e)	providing treatment that is appropriate and within the scope 
of practice of the person providing it under 
	(i)	the Medical Profession Act,
	(ii)	the Chiropractic Profession Act, or 
	(iii)	the Physical Therapy Profession Act,
		as the case may be, and that is necessary, in the opinion of 
the health care practitioner, for the treatment or rehabilitation 
of the injury;
	(f)	any other adjunct therapy that, in the opinion of the health 
care practitioner, is necessary for the treatment or 
rehabilitation of the injury and that is linked to the continued 
clinical improvement of the client.
Diagnostic and treatment authorization
21(1)  Within the practitioner's scope of practice, a health care 
practitioner may authorize, for a WAD II injury,
	(a)	one visit to a health care practitioner for an assessment of the 
injury, including the preparation of a treatment plan and 
prescribed claim form, if required, which is in addition to the 
visits that may be authorized under subsection (2);
	(b)	necessary diagnostic imaging, laboratory testing and 
specialized testing;
	(c)	necessary medication to manage the inflammation or pain, or 
both;
	(d)	acquisition of necessary supplies to assist in the treatment or 
rehabilitation of the injury.
(2)  Subject to the limits described in section 22, within the 
practitioner's scope of practice, a health care practitioner may 
authorize, for the treatment of a WAD II injury, not more than a 
combined total of 21 medical, physical therapy, chiropractic and 
adjunct therapy visits to provide the treatment described in section 20. 
Division 4 
Treatment Limits and Referrals
Aggregate limits on visits
22(1)  Except as otherwise specifically provided in this Regulation, if 
a client is diagnosed and treated under these protocols for 2 or more 
injuries,
	(a)	only one visit for an assessment of the injuries by a health 
care practitioner is authorized by these protocols;
	(b)	if the injuries are diagnosed as a 1st degree strain, 2nd degree 
strain, 1st degree sprain or 2nd degree sprain, the cumulative 
total of visits for the 2 or more injuries that may be 
authorized under the protocols, without the approval of the 
insurer, may not exceed 10;
	(c)	if 2 or more of the injuries described in clause (b) and one or 
more of
	(i)	a 3rd degree strain for which treatment is authorized,
	(ii)	a 3rd degree sprain for which treatment is authorized, or
	(iii)	a WAD II injury
		are diagnosed, the cumulative total of visits for the 2 or more 
injuries that may be authorized under the protocols, without 
the approval of the insurer, may not exceed 21;
	(d)	if 2 or more of 
	(i)	a 3rd degree strain,
	(ii)	a 3rd degree sprain, or
	(iii)	a WAD II injury
		are diagnosed, the cumulative total of visits for the 2 or more 
injuries that may be authorized under these protocols, 
without the approval of the insurer, may not exceed 21.
(2)  Despite anything in this Regulation,
	(a)	an authorization by a health care practitioner for anything 
permitted by these protocols must be in writing and issued 
within 90 days of the date of the accident in which the client 
was injured,
	(b)	an authorization under these protocols expires 90 days after 
the date of the accident in which the client was injured, 
unless the authorization is approved by an insurer for use 
after the 90 days, and
	(c)	an authorization may be issued in respect of the person who 
issues the authorization.
Assessment of non-protocol injuries
23   If, after an assessment, a physical therapist as defined in the 
Physical Therapy Act or a registered member as defined in the 
Chiropractic Profession Act diagnoses an injury as one to which these 
protocols do not apply, these protocols authorize a claim under Part 3 
for the assessment.
Referral to injury management consultant
24(1)  A health care practitioner may authorize a visit by a client to an 
injury management consultant if the health care practitioner
	(a)	is uncertain about an injury to which the protocols apply or 
the diagnosis or treatment of it;
	(b)	believes that the injury 
	(i)	is not resolving appropriately, or 
	(ii)	is not resolving within the time expected and the 
practitioner requires another opinion or report.
(2)  If a client is diagnosed with a WAD I or WAD II injury and the 
client has any alerting factor that may influence prognosis, the health 
care practitioner must seek to reassess the client within 21 days of the 
accident and, if the injury is not resolving, authorize a visit by the 
client to an injury management consultant for an assessment and 
report.
(3)  The visit and the cost and expenses related to an assessment and 
report by an injury management consultant under subsection (2) are 
authorized to be claimed under Part 3 and are in addition to the 
aggregate limit on visits referred to in section 22.
(4)  Except for the visit, assessment and report described in this 
section, no further visit, assessment or report by an injury management 
consultant in respect of the same injury is authorized by these 
protocols, unless the insurer approves of it.
Injuries unresolved after 90 days
25(1)  Subject to subsection (3), if after 90 days from the date of the 
accident an injury has not resolved or is not satisfactorily resolving, the 
health care practitioner may refer the client to an injury management 
consultant.
(2)  The injury management consultant may
	(a)	provide advice and a report about the diagnosis or treatment 
of the client, or
	(b)	recommend a further assessment or a multi-disciplinary 
assessment of the injury or an aspect of the injury and the 
persons who should be included in that assessment.
(3)  No examination, further assessment, multi-disciplinary assessment 
or any report referred to in subsection (2), and no visit or treatment as a 
result, is authorized by these protocols, unless the insurer approves it.
Part 3 
Injury Management 
Consultants Register
Register established
26(1)  The Superintendent must establish, maintain and administer a 
register of injury management consultants.
(2)  The Superintendent must ensure that the IMC register is published 
in a form and manner so that the register is accessible to the public.
Eligibility requirements
27(1)  A health care practitioner is an injury management consultant 
under this Regulation if, in accordance with this Part,
	(a)	the council of the College of Physicians and Surgeons of the 
Province of Alberta notifies the Superintendent that a 
physician meets the requirements set out in subsection (2) 
and the Superintendent enters the name of that person on the 
IMC register;
	(b)	the Council of the College of Chiropractors of Alberta 
notifies the Superintendent that a registered member as 
defined in the Chiropractic Profession Act meets the 
requirements set out in subsection (2) and the Superintendent 
enters the name of that person on the IMC register;
	(c)	the Council of the College of Physical Therapists of Alberta 
notifies the Superintendent that a physical therapist as 
defined in the Physical Therapy Profession Act meets the 
requirements set out in subsection (2) and the Superintendent 
enters the name of that person on the IMC register.
(2)  A person is eligible to be an injury management consultant if the 
person
	(a)	is an active practising member of that person's profession,
	(b)	has demonstrated to the satisfaction of the council of that 
person's profession that he or she
	(i)	is knowledgeable with respect to the biopsychosocial 
model,
	(ii)	is knowledgeable with respect to assessing acute and 
chronic pain, 
	(iii)	is experienced in rehabilitation and disability 
management, and 
	(iv)	uses evidence-based decision-making in his or her 
practice,
		and
	(c)	meets any additional qualifications established by the 
Superintendent and approved by the councils of the colleges 
concerned.
Ceasing to be an injury management consultant
28   A person ceases to be an injury management consultant if 
	(a)	the council of the profession concerned notifies the 
Superintendent that the person's name is to be removed from 
the IMC register, and
	(b)	the Superintendent removes the person's name from the IMC 
register.
Transitional
29(1)  Notwithstanding section 27, the Superintendent may enter on 
the IMC register the name of a physician, a registered member as 
defined in the Chiropractic Profession Act or a physical therapist as 
defined in the Physical Therapy Profession Act when the respective 
council of the profession concerned notifies the Superintendent that the 
person
	(a)	is an active practising member of the profession, and
	(b)	in the opinion of the council, is able to perform the functions 
of an injury management consultant.
(2)  A person whose name is entered on the IMC register under 
subsection (1) ceases to be an injury management consultant
	(a)	on the date the practising member becomes an injury 
management consultant under section 27,
	(b)	2 years from the date this section comes into force or such 
later date as the Superintendent determines, or
	(c)	on the date the member ceases to be an injury management 
consultant under section 28,
whichever occurs first.
Part 4 
Claims and Payment of Claims
Definitions
30   In this Part,
	(a)	"applicant" means a client or health care practitioner who 
sends a completed prescribed claim form to the insurer under 
section 32;
	(b)	"business days" means any day other than a Saturday, 
Sunday or other holiday as defined in section 28(1)(x) of the 
Interpretation Act;
	(c)	"prescribed claim form" means the form established by the 
Minister under section 803 of the Insurance Act.
Priority of this Part
31   If there is any inconsistency or conflict between this Part and 
Section B - Accident Benefits under the Automobile Accident 
Insurance Benefits Regulations (AR 352/72), this Part prevails.
Claims
32   A client or health care practitioner who wishes to make a claim 
under this Part must send to the insurer a completed prescribed claim 
form, which must include
	(a)	details of the injury, and
	(b)	details of the accident that are within the personal knowledge 
of the client,
within 10 business days of the date of an accident or, if that is not 
reasonable, as soon as practicable after that.
Decision by insurer
33(1)  An insurer, within 5 business days of receiving a completed 
prescribed claim form, must send to the applicant a decision notice
	(a)	approving the claim, or 
	(b)	refusing the claim.
(2)  A claim may only be refused by the insurer giving reasons for 
refusing the claim, but those reasons are limited to the following:
	(a)	the person who suffered the injury is not an insured person 
under the Automobile Accident Insurance Benefits 
Regulations (AR 352/72);
	(b)	the insurer is not liable to pay as a result of an exclusion 
contained in the Special Provisions, Definitions and 
Exclusions of Section B under the Automobile Accident 
Insurance Benefits Regulations (AR 352/72);
	(c)	there is no contract of insurance in existence that applies with 
respect to the person who suffered the injury;
	(d)	the injury was not caused as a result of an accident arising 
out of the use or operation of an automobile.
Failure of insurer to respond
34   If an insurer does not send a decision notice back to the applicant 
within 5 business days of receipt of the applicant's completed 
prescribed claim form, the insurer 
	(a)	is deemed to have approved the claim, and
	(b)	is liable to pay the claim under section 36, unless the claim is 
denied under section 35. 
Subsequent denial of liability
35(1)  If an insurer 
	(a)	approves a claim, or
	(b)	is deemed to have approved a claim 
under this Part, the insurer may subsequently deny liability in 
accordance with subsection (2).
(2)  Liability may only be denied if an insurer sends notice in writing 
to the client and every person whom, under the prescribed claim form, 
the insurer is notified the client is authorized to visit, or who is 
authorized to provide services or supplies to the client, giving reasons 
why liability is denied, but those reasons are limited to the following:
	(a)	the person who suffered the injury is not an insured person 
under the Automobile Accident Insurance Benefits 
Regulations;
	(b)	the insurer is not liable to pay as a result of an exclusion 
contained in the Special Provisions, Definitions and 
Exclusions of Section B under the Automobile Accident 
Insurance Benefits Regulations;
	(c)	there is no contract of insurance in existence that applies with 
respect to the person who suffered the injury;
	(d)	the injury was not caused as a result of an accident arising 
out of the use or operation of an automobile.
(3)  A valid notice of denial under subsection (2) takes effect on the 
date it is received by the person to whom it is sent and, after receipt of 
the notice of denial by the client, the insurer is not liable, under section 
36, to pay any future claim by a person under this Part.
Making and paying claims
36(1)  Where anything is authorized under this Regulation, the 
authorization may be the subject of a claim under subsection (2).
(2)  The insurer must pay a claim that is authorized by this Regulation 
or is authorized by a health care practitioner or injury management 
consultant under this Regulation, that,
	(a)	in the case of an invoice by a health care practitioner, injury 
management consultant or provider of an adjunct therapy, is 
also verified by the client concerned, or 
	(b)	in the case of a claim by the client, a receipt for the benefit is 
provided, together with satisfactory evidence that the claim is 
authorized by this Regulation or is authorized by a health 
care practitioner under this Regulation.
Sending notices
37   Where this Part requires or permits a notice to be sent to a person, 
it may be
	(a)	delivered personally, 
	(b)	mailed,
	(c)	faxed, or
	(d)	transmitted by e-mail if both parties have agreed to this 
method of sending and receiving notices.
Multiple claims
38   If a person has a claim under these protocols and a claim for other 
benefits under provisions of Section B of the Automobile Accident 
Insurance Benefits Regulations (AR 352/72), the claimant must 
comply with this Regulation and the provisions of Section B, 
according to the claim or claims made.
Part 5 
Review and Coming into Force
Review
39   This Regulation must be reviewed
	(a)	not less than every 2 years from the date this Regulation 
comes into force, and
	(b)	whenever 
	(i)	the council of the College of Physicians and Surgeons 
of the Province of Alberta,
	(ii)	the Council of the College of Chiropractors of Alberta, 
or
	(iii)	the Council of the College of Physical Therapists of 
Alberta
		provides written notice to the Superintendent that the 
protocols should be reviewed.
Coming into Force
40   This Regulation comes into force on October 1, 2004.



Alberta Regulation 123/2004
Insurance Act
MINOR INJURY REGULATION
Filed: June 21, 2004
Made by the Lieutenant Governor in Council (O.C. 272/2004) on June 21, 2004 
pursuant to section 650.1 of the Insurance Act. 
Table of Contents
	1	Definitions
Part 1 
Assessment of Injuries and 
Determination of Minor Injury
	2	Injuries must be assessed separately
	3	Injury must be primary contributing factor
	4	Determination of minor injury
	5	Protocols not followed
Part 2 
Damages Recoverable for 
Non-pecuniary Loss
	6	Damages recoverable for non-pecuniary loss for minor injuries
	7	Damages recoverable for non-pecuniary loss for minor 
and non-minor injuries


Part 3 
Certified Examiner
Division 1 
Assessment by Certified Examiner
	8	Disagreement as to whether injury is or is not a minor injury
	9	Scheduling of assessment
	10	Assessment by certified examiner
	11	Opinion of certified examiner
	12	Prima facie evidence
	13	Cost of assessment and opinion
	14	Manner of giving notice
Division 2 
Certified Examiners Register
	15	Register established
	16	Eligibility requirements
	17	Ceasing to be a certified examiner
	18	Transitional
Part 4 
Expiry and Coming into Force
	19	Expiry
	20	Coming into force
Definitions
1   For the purpose of section 650.1 of the Act and this Regulation,
	(a)	"accident" means an accident arising from the use or 
operation of an automobile;
	(b)	"Act" means the Insurance Act;
	(c)	"certified examiner" means a physician who is entered in the 
certified examiners register in accordance with Division 2 of 
Part 3;
	(d)	"certified examiners register" means the register of certified 
examiners established under section 15;
	(e)	"claimant" means a person injured as a result of an accident;
	(f)	"council" means the council of the College of Physicians and 
Surgeons of the Province of Alberta;
	(g)	"defendant" means a person against whom an accident claim 
is made or may be made and includes, without limitation,
	(i)	that person's insurer,
	(ii)	any insurer made a third party to the claim by the Court 
under section 635(14) of the Act, and
	(iii)	the Administrator of the Motor Vehicle Accident Claims 
Act when the Administrator is added as a party to an 
action in respect of the claim by order under section 
4(5) of that Act;
	(h)	"minor injury", in respect of an accident, means
	(i)	a sprain,
	(ii)	a strain, or
	(iii)	a WAD injury
		caused by that accident that does not result in a serious 
impairment;
	(i)	"prescribed" means established by the Minister under section 
803 of the Act;
	(j)	"serious impairment", in respect of a claimant, means an 
impairment of a physical or cognitive function
	(i)	that results in a substantial inability to perform the
	(A)	essential tasks of the claimant's regular 
employment, occupation or profession, despite 
reasonable efforts to accommodate the claimant's 
impairment and the claimant's reasonable efforts 
to use the accommodation to allow the claimant to 
continue the claimant's employment, occupation or 
profession,
	(B)	essential tasks of the claimant's training or 
education in a program or course that the claimant 
was enrolled in or had been accepted for enrolment 
in at the time of the accident, despite reasonable 
efforts to accommodate the claimant's impairment 
and the claimant's reasonable efforts to use the 
accommodation to allow the claimant to continue 
the claimant's training or education, or
	(C)	normal activities of the claimant's daily living,
	(ii)	that has been ongoing since the accident, and
	(iii)	that is expected not to improve substantially;
	(k)	"sprain" means an injury to one or more tendons or 
ligaments, or to both;
	(l)	"strain" means an injury to one or more muscles;
	(m)	"Superintendent" means the Superintendent of Insurance 
appointed under the Act;
	(n)	"WAD injury" means a whiplash-associated disorder other 
than one that exhibits one or both of the following:
	(i)	objective, demonstrable, definable and clinically 
relevant neurological signs;
	(ii)	a fracture to or a dislocation of the spine.
Part 1 
Assessment of Injuries and 
Determination of Minor Injury
Injuries must be assessed separately
2   If a claimant sustains more than one injury as a result of an 
accident, each injury must be assessed separately to determine whether 
the injury is or is not a minor injury.
Injury must be primary contributing factor
3   For a sprain, strain or WAD injury to be considered to have resulted 
in a serious impairment, the sprain, strain or WAD injury must be the 
primary factor contributing to the impairment.
Determination of minor injury
4(1)  The determination as to whether an injury sustained by a 
claimant as a result of an accident is or is not a minor injury must be 
based on
	(a)	a determination as to whether the injury is a sprain, strain or 
WAD injury, and
	(b)	if the injury is determined to be a sprain, strain or WAD 
injury, a determination as to whether the sprain, strain or 
WAD injury results in a serious impairment.
(2)  For the purpose of subsection (1)(a), the determination as to 
whether an injury is a sprain, strain or WAD injury must be based on 
an individual assessment of the claimant in accordance with the 
diagnostic protocols established under the Diagnostic and Treatment 
Protocols Regulation.
(3)  For the purpose of subsection (1)(b), the determination as to 
whether a sprain, strain or WAD injury results in a serious impairment 
must take into account
	(a)	the claimant's pre-existing medical history, and
	(b)	the matters referred to in section 1(j)(i) that relate to the 
claimant.
Protocols not followed
5(1)  If
	(a)	a claimant sustains a sprain, strain or WAD injury as a result 
of an accident,
	(b)	the claimant is, without reasonable excuse, not diagnosed and 
treated in accordance with the diagnostic and treatment 
protocols established under the Diagnostic and Treatment 
Protocols Regulation, and
	(c)	the sprain, strain or WAD injury results in a serious 
impairment,
the sprain, strain or WAD injury shall be considered to be a minor 
injury unless the claimant establishes that the sprain, strain or WAD 
injury would have resulted in a serious impairment even if the claimant 
had been diagnosed and treated in accordance with the protocols 
referred to in clause (b).
(2)  Subsection (1) does not apply to a claimant who is a person 
described in provision (2) of the Special Provisions, Definitions and 
Exclusions of Section B under the Automobile Accident Insurance 
Benefits Regulations (AR 352/72).
Part 2 
Damages Recoverable for 
Non-pecuniary Loss
Damages recoverable for non-pecuniary loss for minor injuries
6   Subject to section 7(2)(a), for the purpose of section 650.1(2) of the 
Act, the total amount recoverable as damages for non-pecuniary loss 
for all minor injuries sustained by a claimant as a result of an accident 
shall not exceed $4000.
Damages recoverable for non-pecuniary loss for minor 
and non-minor injuries
7(1)  In this section, "non-minor injury" means an injury other than a 
minor injury.
(2)  If a claimant sustains one or more minor injuries and one or more 
non-minor injuries as a result of an accident, the assessment of 
damages for non-pecuniary loss for all injuries sustained by the 
claimant is subject to the following rules:
	(a)	if the non-minor injury or injuries, when assessed separately 
from the minor injury or injuries, would result in an award 
for non-pecuniary loss of not more than $4000, the total 
amount recoverable as damages for non-pecuniary loss for all 
injuries sustained by the claimant shall not exceed $4000;
	(b)	if the non-minor injury or injuries, when assessed separately 
from the minor injury or injuries, would result in an award 
for non-pecuniary loss of more than $4000, the total amount 
recoverable as damages for non-pecuniary loss for all injuries 
sustained by the claimant shall be calculated as the total of
	(i)	the amount of damages assessed for non-pecuniary loss 
for the non-minor injury or injuries, and
	(ii)	subject to section 6, the amount of damages assessed for 
non-pecuniary loss for the minor injury or injuries.
Part 3 
Certified Examiner
Division 1 
Assessment by Certified Examiner
Disagreement as to whether injury is or is not a minor injury
8(1)  If a claimant and a defendant disagree as to whether an injury 
sustained by the claimant as a result of an accident is or is not a minor 
injury, either party may give notice to the other party in the prescribed 
form
	(a)	stating that the party giving notice desires to have a certified 
examiner assess the claimant for the purpose of giving an 
opinion as to whether the injury is or is not a minor injury, 
and
	(b)	specifying the name of the proposed certified examiner.
(2)  If, on receipt of a notice under subsection (1), the other party
	(a)	accepts the certified examiner proposed under subsection 
(1)(b), that party must, within 14 days, so notify the party 
giving notice under subsection (1), or
	(b)	does not accept the certified examiner proposed under 
subsection (1)(b), that party must, within 14 days, so notify 
the party giving notice under subsection (1) and provide the 
name of a certified examiner that the party is willing to 
accept.
(3)  If a party fails to provide notice under subsection (2), that party is 
considered to have accepted the certified examiner proposed under 
subsection (1)(b).
(4)  If the parties cannot agree on a certified examiner to assess the 
claimant, either party may apply to the Superintendent in the 
prescribed form to select a certified examiner to assess the claimant.
(5)  The Superintendent must, within 5 business days after receiving an 
application under subsection (4), select a certified examiner from the 
certified examiners register.
(6)  The Superintendent may not select a certified examiner who was 
proposed by either party under this section.
(7)  Notwithstanding anything in this section,
	(a)	neither the claimant nor the defendant may give notice under 
subsection (1) until at least 90 days have passed since the 
accident;
	(b)	only one assessment of the claimant in respect of the accident 
may be carried out under this section;
	(c)	a certified examiner is not eligible to assess a claimant under 
this section if the certified examiner
	(i)	has diagnosed or treated the claimant, or
	(ii)	has been consulted with respect to the diagnosis or 
treatment of the claimant
		in respect of any injury arising from the accident.
Scheduling of assessment
9(1)  The certified examiner must make reasonable efforts to schedule 
the assessment of the claimant for a time that is convenient for the 
claimant and that is within 30 days of the referral to the certified 
examiner.
(2)  For the purpose of subsection (1), the certified examiner must give 
notice in writing to the claimant of the date, time and location of the 
assessment.
Assessment by certified examiner
10(1)  For the purpose of giving an opinion as to whether the 
claimant's injury is or is not a minor injury, the certified examiner 
must assess the claimant to determine in accordance with section 4
	(a)	whether the claimant's injury is a sprain, strain or WAD 
injury, and
	(b)	if the claimant's injury is determined to be a sprain, strain or 
WAD injury, whether the sprain, strain or WAD injury 
results in a serious impairment.
(2)  For the purpose of conducting an assessment of the claimant, the 
certified examiner may
	(a)	request the claimant to authorize in writing the release of any 
relevant diagnostic, treatment or care information in respect 
of the claimant that is in the possession of a physician or 
other person, including a regional health authority, and
	(b)	receive from the claimant or the defendant any information 
that either party considers relevant to the assessment.
(3)  If the claimant, without reasonable excuse,
	(a)	fails to attend an assessment for which notice has been given 
under section 9 or 11(3),
	(b)	refuses to answer any relevant questions of the certified 
examiner about
	(i)	the claimant's medical condition or medical history, or
	(ii)	matters referred to in section 1(j)(i) that relate to the 
claimant,
	(c)	fails to authorize the release of any relevant diagnostic, 
treatment or care information in respect of the claimant 
pursuant to subsection (2)(a), or
	(d)	in any other way obstructs the certified examiner's 
assessment,
the claimant's injury shall be considered to be a minor injury.
Opinion of certified examiner
11(1)  The certified examiner must, within 30 days of the certified 
examiner's assessment of the claimant, prepare an opinion in the 
prescribed form as to whether the claimant's injury is or is not a minor 
injury and provide a copy of that opinion to each party.
(2)  Notwithstanding subsection (1), if the certified examiner is not 
able to provide an opinion under subsection (1) without further 
assessing the claimant, the certified examiner may, on written notice to 
the parties, require the claimant to attend a further assessment, in 
which case the certified examiner must provide an opinion under 
subsection (1) within 30 days of that further assessment.
(3)  A notice under subsection (2) must contain
	(a)	the reason for the further assessment of the claimant, and
	(b)	the date, time and location of the further assessment.
(4)  A further assessment of the claimant under subsection (2) must be 
completed within 6 months of the first assessment of the claimant.
Prima facie evidence
12   The opinion of the certified examiner is prima facie evidence that 
the claimant's injury is or is not a minor injury, as the case may be.
Cost of assessment and opinion
13(1)  An assessment conducted and opinion provided by a certified 
examiner under this Division are to be at the expense of the party 
requesting the assessment and opinion.
(2)  The Superintendent may establish specific fees and disbursements 
or the maximum fees and disbursements that a certified examiner may 
charge for conducting an assessment and providing an opinion under 
this Division.
(3)  The fees and disbursements or maximum fees and disbursements 
established under subsection (2) must be published in The Alberta 
Gazette.
Manner of giving notice
14   Where this Division requires or permits a notice or other 
document to be given to a person, it may be given
	(a)	by sending it to that person by mail to the last known address 
of that person,
	(b)	by personal service, or
	(c)	by means of a facsimile or an e-mail if both parties have 
agreed to either of those methods of sending and receiving 
notices or other documents.
Division 2 
Certified Examiners Register
Register established
15(1)  The Superintendent must establish, maintain and administer a 
register of certified examiners.
(2)  The Superintendent must ensure that the certified examiners 
register is published in a form and manner so that the register is 
accessible to the public.
Eligibility requirements
16(1)  A physician is a certified examiner under this Regulation if, in 
accordance with this Division,
	(a)	the council notifies the Superintendent that the physician 
meets the requirements set out in subsection (2), and
	(b)	the Superintendent enters the physician's name on the 
certified examiners register.
(2)  A physician is eligible to be a certified examiner if the physician
	(a)	is an active practising member under the Medical Profession 
Act,
	(b)	has successfully completed an examination approved by the 
council for admission as a certified examiner,
	(c)	has demonstrated to the satisfaction of the council that the 
physician
	(i)	is knowledgeable with respect to the biopsychosocial 
model,
	(ii)	is knowledgeable with respect to assessing acute and 
chronic pain,
	(iii)	is knowledgeable in the application of the International 
Classification of Diseases,
	(iv)	is experienced in rehabilitation and disability 
management,
	(v)	is competent in conducting independent assessments 
and providing third party opinions, and
	(vi)	uses evidence-based decision-making in the physician's 
practice,
		and
	(d)	meets any additional qualifications established by the 
Superintendent and approved by the council.
(3)  For the purpose of subsection (2)(iii), "International Classification 
of Diseases" means the most recent edition of the publication titled the 
International Statistical Classification of Diseases and Related Health 
Problems, Canada, published by the Canadian Institute of Health 
Information, based on a publication issued from time to time titled the 
International Statistical Classification of Diseases and Related Health 
Problems, published by the World Health Organization.
Ceasing to be a certified examiner
17   A physician ceases to be a certified examiner if
	(a)	the council notifies the Superintendent that the physician's 
name is to be removed from the certified examiners register, 
and
	(b)	the Superintendent removes the physician's name from the 
certified examiners register.
Transitional
18(1)  Notwithstanding section 16, the Superintendent may enter the 
name of a physician on the certified examiners register when the 
council notifies the Superintendent that the physician
	(a)	is an active practising member under the Medical Profession 
Act, and
	(b)	in the opinion of the council is able to perform the functions 
of a certified examiner.
(2)  A physician whose name is entered on the certified examiners 
register under subsection (1) ceases to be a certified examiner
	(a)	on the date the physician becomes a certified examiner under 
section 16(1),
	(b)	2 years from the date this section comes into force or such 
later date as the Superintendent determines, or
	(c)	on the date the physician ceases to be a certified examiner 
under section 17,
whichever occurs first.
Part 4 
Expiry and Coming into Force
Expiry
19   For the purpose of ensuring that this Regulation is reviewed for 
ongoing relevancy and necessity, with the option that it may be 
repassed in its present or an amended form following a review, this 
Regulation expires on September 30, 2011.
Coming into force
20   This Regulation comes into force on October 1, 2004.


--------------------------------
Alberta Regulation 124/2004
Insurance Act
AUTOMOBILE INSURANCE PREMIUMS REGULATION
Filed: June 21, 2004
Made by the Lieutenant Governor in Council (O.C. 273/2004) on June 21, 2004 
pursuant to sections 656, 657, 660.2, 661.1, 661.3, 661.4 and 790 of the Insurance 
Act. 
Table of Contents
	1	Definitions
Part 1 
Refunds, Premiums for Basic 
Coverage and Adjustments
	2	Refunds of premiums for basic coverage
	3	Maximum premium for basic coverage
	4	Industry-wide adjustments
	5	Offsetting adjustments to rating variables
	6	Review of insurer rating program
	7	Equalization of rate differentials
	8	Setting of premiums
Part 2 
Additional Coverage, New Insurers and 
Information Requirements
	9	Filing of additional coverage
	10	New insurers
	11	Information required
	12	Use of prescribed forms
Part 3 
Complaint Resolution
	13	Definitions
	14	Complaint to insurer
	15	Complaint to General Insurance OmbudService
	16	Application for arbitration
	17	Referral to arbitration
	18	Automobile Insurance Dispute Resolution Committee
Part 4 
Transitional Provisions, Amendments, 
Review and Coming into Force
	19	Application of former Act
	20	Transitional
	21	Freeze order amended
	22	Enforcement and Administration Regulation
	23	Review
	24	Coming into force 
 
Schedules
Definitions
1   In this Regulation,
	(a)	"Act" means the Insurance Act;
	(b)	"additional coverage" has the same meaning as it has in 
section 652(a) of the Act;
	(c)	"adjust" and "adjustment" mean increase or decrease;
	(d)	"application for basic coverage" includes an application for 
renewal of basic coverage;
	(e)	"base premium" means the premium determined under 
Schedule 3 for basic coverage for 12 months, or if for a 
period of less than 12 months, an amount prorated 
accordingly;
	(f)	"basic coverage" means insurance provided for under 
sections 627 and 629 of the Act;
	(g)	"Board" means the Automobile Insurance Rate Board 
established under section 653 of the Act;
	(h)	"freeze order" means Order in Council numbered 
O.C. 592/2003, as amended from time to time;
	(i)	"grid" means the grid established by Schedule 2;
	(j)	"grid step" means the location on the grid corresponding to a 
step indicated on the grid;
	(k)	"insurer" means, except in Part 2, an insurer who provides 
basic coverage for private passenger vehicles;
	(l)	"maximum market premium" means the premium calculated 
under section 3(2) for basic coverage for 12 months, or if for 
a period of less than 12 months, an amount prorated 
accordingly;
	(m)	"new insurer" means an insurer referred to in section 10(1);
	(n)	"policyholder", except in section 2, means the person who 
holds a policy for basic coverage in respect of a private 
passenger vehicle;
	(o)	"private passenger vehicle" means a motor vehicle not 
weighing more than 4500 kg that is used for
	(i)	pleasure,
	(ii)	driving to or from work or school, or
	(iii)	business purposes, including farming operations,
		but does not include
	(iv)	a motorcycle, power bicycle or moped,
	(v)	a vehicle used for commercial purposes, including, but 
not limited to,
	(A)	a vehicle used for transporting individuals for 
compensation, delivery of goods, courier or 
messenger service, parcel delivery, meal delivery 
or driver training,
	(B)	a vehicle rated under a fleet formula,
	(C)	a short-term lease or rental vehicle,
	(D)	a funeral vehicle, or
	(E)	a vehicle held for sale or used for demonstration or 
testing,
	(vi)	an emergency vehicle as defined in section 1(1)(m) of 
the Traffic Safety Act,
	(vii)	a recreational vehicle,
	(viii)	an antique vehicle registered under the Traffic Safety 
Act as an antique vehicle, or
	(ix)	an all terrain vehicle, a snow vehicle, a miniature motor 
vehicle or any other similar off-highway vehicle;
	(p)	"rates", when used in relation to a rating program, means the 
premiums in respect of the rating variables under the rating 
program that are used to determine the premium to be 
charged to or collected from a policyholder;
	(q)	"rating program" means the rules, criteria, policies or 
guidelines of any nature, including rates, used or adopted by 
an insurer to determine the premiums for either basic or 
additional coverage, as applicable, to be charged to or 
collected from a policyholder;
	(r)	"rating variable" means a class of risk for which a rate under 
a rating program is determined.
Part 1 
Refunds, Premiums for Basic 
Coverage and Adjustments
Refunds of premiums for basic coverage
2(1)  In this section, "policyholder" means a person who holds a policy 
for basic coverage in respect of a private passenger vehicle on October 
1, 2004.
(2)  An insurer must refund to its policyholders with respect to each 
private passenger vehicle insured under the policy an amount 
determined in accordance with the following formulas, whichever 
amount is greater:
	(a)	R = (A - B) x C 
               365
	(b)	R = (A x C) x 5% 
               365
where
	R  	means the refund to be provided to the policyholder in 
respect of the private passenger vehicle;
	A  	means the annualized premium of the policyholder for basic 
coverage in respect of the private passenger vehicle as of 
October 1, 2004;
	B  	means the grid premium in respect of the private passenger 
vehicle determined under Schedule 1, section 6(2);
	C  	means the number of days in the period beginning on 
October 1, 2004 and ending on the day the basic coverage in 
respect of the private passenger vehicle expires.
(3)  Notwithstanding subsection (2), if the policyholder is paying a 
premium in instalments,
	(a)	 the refund payable under subsection (2) must be prorated 
with respect to the premium already paid, and
	(b)	for the portion of the premium unpaid, the insurer must, in 
accordance with subsection (2), reduce the amount payable, 
prorated accordingly.
(4)  Any refund exceeding $10 to which a policyholder is entitled 
under this section must be provided to the policyholder by January 31, 
2005.
(5)  Refunds of $10 or less must be provided to the policyholder at the 
request of the policyholder.
(6)  A policyholder is not entitled to a refund under this section in 
respect of a private passenger vehicle if the premium for that vehicle 
includes an amount that takes into account a criminal code conviction 
as defined in Schedule 4.
Maximum premium for basic coverage
3(1)  With respect to basic coverage for a private passenger vehicle 
coming into effect or renewed on or after October 1, 2004, no insurer 
may charge or collect a premium of more than
	(a)	the maximum market premium, or
	(b)	the grid premium determined under Schedule 1, section 6(2),
whichever is less.
(2)  The maximum market premium for each private passenger vehicle 
of the policyholder is,
	(a)	during the period October 1, 2004 to September 30, 2005, the 
premium for basic coverage calculated
	(i)	in accordance with the freeze order, less 5%;
	(ii)	in the case of a new insurer offering basic coverage for 
private passenger vehicles, in accordance with the rates 
set by the Board under section 10;
	(b)	on and after October 1, 2005, the premium for basic coverage 
calculated in accordance with sections 4, 5, 6 and 7 or, in the 
case of a new insurer, in accordance with the rates set by the 
Board under section 10 and subsequently in accordance with 
sections 4, 5, 6 and 7.
Industry-wide adjustments
4(1)  On or before August 1 in each year, the Board may adjust 
uniformly on an Alberta automobile insurance industry-wide basis, in 
accordance with the criteria described in subsection (3), the rates under 
rating programs for basic coverage of private passenger vehicles.
(2)  In accordance with the procedures of the Board, the Board may 
hear representations with respect to an adjustment under this section.
(3)  The criteria for an adjustment are
	(a)	the Alberta automobile insurance industry-wide loss costs, as 
that term is understood by the Board, for basic coverage for 
private passenger vehicles;
	(b)	the administrative expenses relating to basic coverage for 
private passenger vehicles, on an Alberta automobile 
insurance industry-wide basis, that the Board considers 
appropriate to consider, which may include commissions, 
federal, provincial and municipal taxes and general expenses, 
as reported in the annual returns submitted by insurers to the 
Superintendent or a similar regulatory authority in another 
jurisdiction;
	(c)	other Alberta automobile insurance industry-wide costs or 
expenses that the Board considers appropriate relating to 
basic coverage for private passenger vehicles;
	(d)	any other criteria recommended by the Superintendent and 
approved by the Board.
(4)  An adjustment under this section is effective October 1 of the year 
in which the adjustment is made by the Board.
(5)  Notwithstanding subsection (4), if the Board increases the rates 
under a rating program for basic coverage in respect of private 
passenger vehicles, the increases may be applied by an insurer over a 
period of not more than 3 years commencing October 1 of the year in 
which the adjustment is made by the Board.
(6)  Information about adjustments under subsection (1) must be made 
publicly available in a manner satisfactory to the Superintendent.
Offsetting adjustments to rating variables
5(1)  On and after October 1, 2005, an insurer may, by notice in 
writing to the Board, increase, by up to 10% each, the rates for one or 
more of its rating variables under a rating program for basic coverage 
for private passenger vehicles if the increases in the rates are offset by 
reductions in the rates of one or more other rating variables.
(2)  In making an adjustment under subsection (1), the insurer must 
ensure that the results of the adjustments are revenue neutral to the 
insurer, determined on the policies for basic coverage for private 
passenger vehicles in effect at a point in time not more than 60 days 
before a notice under subsection (1) is given.
(3)  A notice under subsection (1) must be accompanied with
	(a)	details of the rates that would apply to each rating variable 
after applying the adjustments, and
	(b)	an analysis of how the adjustments are revenue neutral.
(4)  An insurer may not, solely as a result of the adjustments under 
subsection (1), charge a policyholder on renewal a premium that on an 
annualized basis exceeds by more than 10% the premium previously 
charged for basic coverage for private passenger vehicles by that 
insurer to that policyholder.
(5)  The information provided under subsection (3) must be verified as 
accurate by statutory declaration made by an officer of the insurer 
satisfactory to the Board.
Review of insurer rating program
6(1)  On application by an insurer to the Superintendent, on or after 
October 1, 2005, to review the rating program of the insurer for basic 
coverage for private passenger vehicles, the Superintendent may in his 
or her sole discretion direct the Board to undertake such a review.
(2)  On completion of the review, the Board, if it determines that an 
adjustment is appropriate, shall adjust the rates under the rating 
program for that insurer for basic coverage for private passenger 
vehicles effective on a date specified by the Board.
Equalization of rate differentials
7(1)  In accordance with procedures established by the Superintendent 
under section 658 of the Act, and before July 1, 2005, or such later 
date approved by the Superintendent, each insurer must file with the 
Board a plan to eliminate any differential in rates in its rating programs 
for basic coverage identified by the Superintendent with respect to 
private passenger vehicles.
(2)  The elimination of the differential referred to in subsection (1) 
must not commence before October 1, 2005 and must be completed in 
accordance with the plan by October 1, 2008 in instalments approved 
by the Superintendent.
Setting of premiums
8(1)  For the purpose of section 656 of the Act, the premium set for 
basic coverage for private passenger vehicles for the period October 1, 
2004 to September 30, 2005 is the premium calculated in accordance 
with the freeze order, less 5%.
(2)  On the receipt of a notice under section 5(1), a determination 
under section 6(2) and the filing of a plan under section 7, premiums 
are deemed to have been set for the purpose of section 656 of the Act.
(3)  Adjustments under sections 4, 5, 6 and 7 are cumulative.
Part 2 
Additional Coverage, New Insurers and 
Information Requirements
Filing of additional coverage
9(1)  Every insurer that offers additional coverage must file with the 
Board by February 1, 2005,
	(a)	its rating program for additional coverage, and
	(b)	the rates under the rating program applicable to each type of 
additional coverage.
(2)  An insurer, by notice in writing to the Board, may change its rating 
program for additional coverage or its rates under the rating program 
for additional coverage.
New insurers
10(1)  An insurer that, under the Act,
	(a)	becomes, on or after October 1, 2004, licensed in Alberta to 
undertake the class of automobile insurance and intends to 
offer basic coverage, or
	(b)	is licensed in Alberta to undertake the class of automobile 
insurance and is not offering basic coverage but, on or after 
October 1, 2004, intends to begin offering basic coverage
must file with the Board its rating program for basic coverage for 
private passenger vehicles and the rates under the rating program.
(2)  If the Board is satisfied with the material, information, calculations 
and proposed rates filed with it under this section, the Board must set 
the rates for basic coverage under the rating program, effective on a 
date specified by the Board.
(3)  An insurer that, under the Act,
	(a)	becomes, on or after October 1, 2004, licensed in Alberta to 
undertake the class of automobile insurance and intends to 
offer additional coverage, or
	(b)	is licensed in Alberta to undertake the class of automobile 
insurance and is not offering additional coverage but, on or 
after October 1, 2004, intends to begin offering additional 
coverage
must comply with section 9(1) as soon as practicable, and must comply 
with section 9(2).
Information required
11   For the purposes of carrying out any of its functions under this 
Regulation, the Board may
	(a)	require an insurer to provide any information to it that the 
Board considers necessary if the information can reasonably 
be obtained taking into account the cost and practicability of 
doing so;
	(b)	specify the manner and form in which anything required to 
be filed or provided under this Regulation or required to be 
provided under clause (a) must be provided to the Board;
	(c)	require anything filed with or provided to the Board to be 
verified as true and correct by a statutory declaration made 
by an officer of the insurer satisfactory to the Board.
Use of prescribed forms
12   An insurer must use any form prescribed by the Minister under 
section 803 of the Act.
Part 3 
Complaint Resolution
Definitions
13   In this Part,
	(a)	"adverse contractual action" has the same meaning as it has 
in section 613.1(1) of the Act;
	(b)	"Committee" means the Automobile Insurance Dispute 
Resolution Committee established by section 18;
	(c)	"General Insurance OmbudService" means the General 
Insurance OmbudService incorporated under the Canada 
Corporations Act (Canada);
	(d)	"policyholder" includes an applicant for basic coverage or for 
renewal of basic coverage.
Complaint to insurer
14(1)  If a policyholder, with respect to a calculation, a determination, 
an action or an incident occurring on or after this section comes into 
force,
	(a)	is not satisfied with respect to the basis on which a premium 
for basic coverage for a private passenger vehicle was 
determined under this Regulation, or
	(b)	considers that an insurer, directly or indirectly, has with 
respect to insurance for basic coverage taken an adverse 
contractual action contrary to section 613.1 of the Act,
the policyholder may make a complaint to the insurer.
(2)  On receipt of the complaint, the insurer must, in accordance with 
its policies and procedures and in accordance with regulations made 
under section 511(2) of the Act, make an attempt in good faith to 
resolve the policyholder's complaint.
Complaint to General Insurance OmbudService
15(1)  If a complaint is not resolved in accordance with section 14, the 
policyholder may, in accordance with the policies and procedures of 
the General Insurance OmbudService, apply to the General Insurance 
OmbudService to have the complaint addressed.
(2)  The policies and procedures of the General Insurance 
OmbudService are, for the purposes of this section, those policies and 
procedures agreed to by the Superintendent and the General Insurance 
OmbudService.
(3)  On completion of its process, the General Insurance 
OmbudService must issue a written report to the policyholder and to 
the insurer.
Application for arbitration
16(1)  Within 30 days of receipt of a report from the General 
Insurance OmbudService, the policyholder may apply to the 
Committee to refer a matter in dispute with an insurer to arbitration.
(2)  In accordance with its rules, the Committee must
	(a)	identify the matter in dispute,
	(b)	determine whether
	(i)	a further settlement effort may resolve the issue and, if 
so, facilitate that settlement effort,
	(ii)	the matter should be referred to arbitration, or
	(iii)	any further action should be taken
		and
	(c)	notify the policyholder and the insurer of its determination.
Referral to arbitration
17(1)  If the Committee decides to refer a matter to arbitration it must, 
in accordance with its rules,
	(a)	appoint one or more arbitrators and identify the matter in 
dispute, and
	(b)	give notice of the appointment to the insurer, the 
policyholder and the Superintendent, 
and the arbitration is commenced on service of the notice.
(2)  The Superintendent has the right to attend and make 
representations in an arbitration.
(3)  An arbitrator must make an award as soon as practicable, but in 
any case within the time specified by the Committee's rules, and send 
copies to
	(a)	the parties,
	(b)	the Superintendent, and
	(c)	the Committee.
(4)  An arbitrator may make an award to remedy the matter in dispute, 
but if damages are claimed the arbitrator may award only 
compensatory damages.
(5)  The Arbitration Act as modified by this Part and the Committee's 
rules apply to an arbitration conducted under this Part.
(6)  The fees and expenses of the arbitrator and the arbitrator's costs in 
conducting the arbitration shall be set by the Superintendent.
Automobile Insurance Dispute Resolution Committee
18(1)  The Automobile Insurance Dispute Resolution Committee is 
hereby established composed of the one or more persons appointed to 
the Committee by the Minister.
(2)  If the Committee has more than one member,
	(a)	the Minister must appoint a member as chair, and
	(b)	the chair may designate one or more members of the 
Committee to act on the Committee's behalf.
(3)  The Committee's function is to seek to resolve complaints under 
this Part as expeditiously and efficiently as possible, and the 
Committee may
	(a)	establish mediation or other dispute resolution processes to 
facilitate settlement of disputes;
	(b)	establish, subject to the approval of the Minister, rules for 
arbitration proceedings, including
	(i)	providing for electronic hearings and documents-only 
hearings when the situation warrants,
	(ii)	specifying the time within which an award must be 
issued, subject to extension of time by agreement of the 
parties,
	(iii)	determining responsibility for the payment of the 
arbitrator's fees, costs and expenses,
	(iv)	the appointment of arbitrators and the manner in which 
the Committee decides the matter in dispute,
	(v)	the consolidation of several similar or related matters 
into one reference to arbitration, or the reference of a 
representative dispute to arbitration, and
	(vi)	generally, for the procedure and conduct of arbitration 
proceedings;
	(c)	establish a roster of suitably qualified individuals to act as 
arbitrators;
	(d)	establish or adopt a code of ethical conduct for arbitrators.
(4)  With the consent of the Minister, the Committee may delegate any 
one or more of its functions to another person.
Part 4 
Transitional Provisions, 
Amendments, Review and 
Coming into Force
Application of former Act
19(1)  Sections 652 to 660 of the Act, except section 654(a), as the Act 
read immediately before being amended by the Insurance Amendment 
Act, 2003 (No. 2) continue to apply to the insurance of automobiles 
other than private passenger vehicles.
(2)  For the purposes of the provisions referred to in subsection (1), 
"Board" means the Alberta Automobile Insurance Board until the 
Automobile Insurance Rate Board is established.
(3)  On the establishment of the Automobile Insurance Rate Board, 
that Board has the duties and functions of the Alberta Automobile 
Insurance Board under the provisions of the Act referred to in 
subsection (1).
Transitional
20   A classification of automobiles
	(a)	approved by the Alberta Automobile Insurance Board, or
	(b)	filed with the Alberta Automobile Insurance Board for 60 
days that is neither approved or disapproved by that Board
under section 656(1) of the Act as it read immediately before section 
15 of the Insurance Amendment Act, 2003 (No. 2) came into force is 
deemed to be a rating variable under this Regulation.
Freeze order amended
21   The freeze order is amended
	(a)	in section 7 by striking out "automobiles" and 
substituting "new model automobiles only";
	(b)	in section 10(1) by striking out "April 29," and 
substituting "September 30,".
Enforcement and Administration Regulation
22   The Enforcement and Administration Regulation 
(AR 129/2001) is amended in the Schedule by adding the 
following after item 5:
6   Automobile Insurance Premiums Regulation
		- sections 2, 3, 5(4), 9, 10, 11 and 12.
Review
23   A review of this Regulation must be completed no later than 
September 30, 2006.
Coming into force
24(1)  This Regulation, except section 21, comes into force on 
October 1, 2004.
(2)  Section 21 comes into force on June 21, 2004.
Schedule 1 
Calculation of Grid Premiums
Definitions
1(1)  In this Schedule,
	(a)	"at-fault claim" means, in respect of liability described in 
section 627 of the Act or under the same or equivalent 
coverage in any other jurisdiction, inside or outside Canada,
	(i)	a claim paid in respect of that liability for which the 
driver is wholly or partially at fault, and
	(ii)	a claim made in respect of which the insurer has 
reasonably determined that a payment will or is likely to 
be made as a result of the fault, whole or partial, of the 
driver,
		but does not include a claim in respect of which the 
policyholder has repaid the insurer for the amount of the 
claim within 90 days after the claim was paid by the insurer;
	(b)	"driver training certificate" means a certificate evidencing 
successful completion of an approved driver training course 
issued by a driver training school licensed under the Traffic 
Safety Act or any other school outside Alberta satisfactory to 
the insurer;
	(c)	"driving experience" means the combined time during which 
a person has had
	(i)	a valid operator's licence in Canada, and
	(ii)	a valid operator's licence in a country outside Canada, if 
the person provides evidence satisfactory to the insurer,
			but does not include
	(iii)	the time during which the person held a learner's 
operator's permit, and
	(iv)	a period of time during which the person's operator's 
licence was suspended, cancelled or revoked;
	(d)	"highest rated driver" means the person who has the highest 
percentage determined under section 6(1)(b);
	(e)	"inexperienced driver" means a driver who has less than 8 
years' driving experience;
	(f)	"occasional driver" means an inexperienced driver referred to 
in section 4(4)(b);
	(g)	"relevant date" means
	(i)	with respect to a driver referred to in section 5(2)(a), the 
most recent date on or before September 30, 2004 on 
which the basic coverage came into effect;
	(ii)	with respect to a driver referred to in section 5(2)(b), the 
date the basic coverage comes into effect;
	(h)	"relevant driver" means the person determined to be the 
relevant driver under section 4.
(2)  For the purpose of determining driving experience, if a driver 
obtains a driver training certificate before or within 2 years after 
obtaining an operator's licence, the driver is considered to have 2 
years' driving experience, but is not considered to have 3 years' 
driving experience until the person has actually had 3 years' driving 
experience.
(3)  For the purpose of section 4(4), an inexperienced driver is a 
principal driver of a private passenger vehicle if the inexperienced 
driver will be driving the vehicle more than any other driver.
Guidelines
2   The Superintendent may issue guidelines respecting location and 
movements on the grid.
Steps to determine grid premium
3   To determine a grid premium in respect of a private passenger 
vehicle,
	(a)	the relevant driver and any occasional driver of the private 
passenger vehicle must be determined in accordance with 
section 4,
	(b)	the relevant driver and any occasional driver of the private 
passenger vehicle must each be located at a grid step in 
accordance with section 5, and
	(c)	the grid steps at which the relevant driver and any occasional 
driver are located must be converted to a dollar amount in 
accordance with section 6.
Relevant and occasional drivers
4(1)  The relevant driver and any occasional driver of a private 
passenger vehicle must be determined in accordance with this section.
(2)  If the policyholder has the same number of private passenger 
vehicles as there are drivers of those vehicles, each driver must be 
matched to a vehicle, and the drivers are the relevant drivers in respect 
of the vehicles to which they are matched.
(3)  If the policyholder has more private passenger vehicles than there 
are drivers of those vehicles,
	(a)	each driver must be matched to a vehicle, and
	(b)	for those vehicles not matched with a driver, the drivers 
already matched must be matched with the one or more 
unmatched vehicles, starting with the driver who has the 
lowest percentage determined under section 6(1)(b),
and the drivers are the relevant drivers in respect of the vehicles to 
which they are matched.
(4)  If the policyholder has fewer private passenger vehicles than there 
are drivers of those vehicles,
	(a)	the highest rated drivers must be matched with the vehicles 
first, but an inexperienced driver may not be matched unless 
the inexperienced driver is the principal driver of one of the 
vehicles, and the drivers are the relevant drivers in respect of 
the vehicles to which they are matched, and
	(b)	the remaining drivers must not be matched with respect to 
any of the vehicles unless the drivers are inexperienced 
drivers, in which case those inexperienced drivers are 
considered to be occasional drivers.
(5)  If the number of occasional drivers is equal to or less than the 
number of passenger vehicles, each occasional driver must be matched 
to a vehicle.
(6)  If there are more occasional drivers than there are vehicles, each 
occasional driver must be matched to a vehicle starting with the 
occasional driver who is the highest rated driver, but in no case may 
more than one occasional driver be matched in respect of the same 
vehicle.
Locating the correct grid step
5(1)  A grid step must be established for each driver of a private 
passenger vehicle.
(2)  A grid step is first established for a driver
	(a)	with respect to a driver under basic coverage for a private 
passenger vehicle in effect on September 30, 2004, as of the 
relevant date of that coverage, and
	(b)	if clause (a) does not apply in respect of a driver, the first 
time a policy for basic coverage for a private passenger 
vehicle comes into effect on or after October 1, 2004 under 
which the driver is included.
(3)  The grid step is first established for a driver as follows, starting at 
grid step zero:
	(a)	move up 5 grid steps for each at-fault claim during the 6 
years preceding the relevant date, then, if applicable, move 
down one grid step for each year of driving experience, to a 
maximum of 5 years, in which there has not been an at-fault 
claim since the last at-fault claim preceding the relevant date, 
or
	(b)	if there are no at-fault claims during the 6 years preceding the 
relevant date, move down one grid step for each year of 
driving experience, to a maximum of 15 years' driving 
experience.
(4)  An insurer must, with respect to each subsequent application for 
basic coverage, make any necessary adjustments to the driver's 
location on the grid under subsections (5) and (6), starting from the 
previous grid location for that person, whether or not location on the 
grid was previously established by the same insurer.
(5)  If, during the term of the policy being renewed or replaced,
	(a)	the driver had an at-fault claim, the driver must be moved up 
5 grid steps for each at-fault claim during the term of the 
policy, or
	(b)	the driver did not have an at-fault claim and is not already 
located at grid step -15, the driver must be moved down one 
grid step for each full year of driving experience with no 
at-fault claims since the driver's location on the grid was last 
changed or, if it has never changed, since the driver's 
location on the grid was first established.
(6)  Despite subsection (5), if no at-fault claims have been made for the 
6 consecutive years of driving experience immediately preceding the 
coming into effect or renewal of a policy for basic coverage, and the 
driver is located higher than grid step zero, the driver must be located 
on grid step zero.
(7)  Every insurer must on the request of another insurer provide to that 
insurer any information necessary to determine a driver's location on 
the grid, including information about his or her current location on the 
grid.
Computation of grid premium
6(1)  After each driver is located on a grid step in accordance with 
section 5, a premium must be determined for each driver as follows:
	(a)	determine the base premium for the driver in accordance with 
Schedule 3;
	(b)	determine the percentage by which to multiply the base 
premium in accordance with the following formula:
P = A + (A x B) 
 
where
	P	means the percentage by which to multiply the base 
premium of the driver;
	A	means the percentage of the base premium for the grid 
step of the driver determined in accordance with 
Schedule 2;
	B	means the percentage surcharge, if any, for driving 
convictions calculated in accordance with Schedule 4;
	(c)	multiply the base premium determined in clause (a) by the 
percentage determined in clause (b).
(2)  The grid premium for basic coverage for a private passenger 
vehicle is the premium for the relevant driver determined in subsection 
(1) plus 25% of the premium determined in subsection (1) for the 
occasional driver, if any, of that vehicle.
Schedule 2 
Grid
Grid established
1   The following grid is established for the purposes of this 
Regulation: 

Grid steps
% for element A of Schedule 1, section 
6(1)  

 
 
 
    
 
 
 
+16...............................
an increase of 23 percentage points for this 
and each subsequent step up the grid, 
computed cumulatively (see section 2 of 
this Schedule)
    
+15...............................
338%
    
+14...............................
315%
    
+13...............................
293%
    
+12...............................
270%
    
+11...............................
248%
    
+10...............................
225%
    
+9.................................
210%
    
+8.................................
195%
    
+7.................................
180%
    
+6.................................
165%
    
+5.................................
150%
    
+4.................................
140%
    
+3.................................
130%
    
+2.................................
120%
    
+1.................................
110%
    
Grid step zero
100%  
    
-1..................................
95%
    
-2..................................
90%
    
-3..................................
85%
    
-4..................................
80%
    
-5..................................
75%
    
-6..................................
70%
    
-7..................................
65%
    
-8..................................
60%
    
-9..................................
55%
    
-10................................
50%
    
-11................................
50%
    
-12................................
50%
    
-13................................
50%
    
-14................................
50%
    
-15................................
50%
Determining percentage
2   Element A of Schedule 1, section 6(1), is determined by identifying 
the percentage opposite the grid step on which the relevant driver or 
occasional driver is located, except that
	(a)	at grid step +16, the percentage is 23 percentage points more 
than the percentage opposite grid step +15, and
	(b)	at each step higher than +16, the percentage is to be increased 
by 23 percentage points more than the percentage for the 
preceding grid step.
Schedule 3 
Base Premium Calculation
Definitions
1   In this Schedule,
	(a)	"Calgary territory" means the City of Calgary;
	(b)	"Edmonton territory" means Townships 52, 53 and 54, 
Ranges 23, 24 and 25, all west of the 4th Meridian, which 
includes the City of Edmonton, the City of St. Albert, Clover 
Bar, Sherwood Park, Lancaster Park, Namao and 
Winterburn;
	(c)	"rest of Alberta territory" means all areas of Alberta that are 
not included in the Edmonton territory or the Calgary 
territory.
Determining base premium
2(1)  The base premium for a relevant driver and occasional driver is 
an amount calculated in accordance with the following table by 
determining
	(a)	the territory in which the policyholder resides, and
	(b)	the choice of the policyholder's coverage under section 627 
of the Act, namely: $200 000, $500 000, $1 million or 
$2 million or such other coverage amounts offered by the 
insurer that are included in the table. 

Policyholder's choice 
of coverage
Territory

Edmonton 
territory
Calgary 
territory
Rest of 
Alberta 
territory
$200 000
$1683
$1530
$1224
$250 000
$1738
$1580
$1264
$300 000
$1775
$1614
$1291
$400 000
$1835
$1668
$1334
$500 000
$1881
$1710
$1368
$750 000
$1922
$1747
$1398
$1 million
$1980
$1800
$1440
$2 million
$2158
$1962
$1570
NOTE:  The amounts in this table are subject to change by the Board under 
section 2(2), (3) and (4) of this Schedule.
(2)  The Board must,
	(a)	effective October 1, 2005, reduce the differential base 
premium between the Edmonton territory and the Calgary 
territory shown in the table by 40%;
	(b)	effective October 1, 2006, reduce the differential base 
premium between the Edmonton territory and the Calgary 
territory shown in the table by 50%;
	(c)	effective October 1, 2007, eliminate the remaining 
differential between the Edmonton territory and the Calgary 
territory shown in the table.
(3)  In making an adjustment under subsection (2), the Board must 
ensure that the base premium for the rest of Alberta territory is 20% 
less than for the Calgary territory.
(4)  In addition to the adjustments under subsections (2) and (3), if the 
Board has made an adjustment on an industry-wide basis under section 
4 of this Regulation, the Board must, effective October 1 of the year in 
which the adjustment is made, make a corresponding percentage 
change to the base premiums in the table in this Schedule.
Schedule 4 
Surcharges for Driving Convictions
Surcharges for driving convictions
1(1)  This Schedule determines the percentage, if any, to be included 
in element B of the formula described in Schedule 1, section 6(1).
(2)  A percentage is to be determined for a driver, in accordance with 
Table 1, for a criminal code conviction, serious traffic safety 
conviction and traffic safety conviction on a driver's abstract within 
the 3 years before the effect date of basic coverage or renewal of basic 
coverage, or any longer period determined under subsection (3).
(3)  If a driver's operator's licence has been suspended or cancelled or 
the driver has been disqualified from driving, the 3-year period is 
extended by adding the period of suspension, cancellation or 
disqualification to the 3 years.
(4)  If a person's driver abstract described in subsection (2) has on it a 
combination of any 2 or more of the following:
	(a)	one or more criminal code convictions;
	(b)	one or more serious traffic safety convictions;
	(c)	one or more traffic safety convictions,
the percentage totals in each of the applicable columns of Table 1 must 
be added together and that total is the percentage for the relevant driver 
or occasional driver to be included in element B of the formula 
described in Schedule 1, section 6(1):
Table 1 


Number of 
convictions
Surcharge for

Traffic 
safety 
convictions
Serious 
traffic 
safety  
convictions
Criminal Code 
convictions
1
0%
25%
300%
2
25%
50%
450%
3
35%
100%




For each additional 
conviction, add 150 
percentage points to the 
immediately preceding 
percentage
4
50%
200%

5
75%
400%

6
100%
800%

7 or 
more
For each 
additional 
conviction, 
double the 
immediately 
preceding 
percentage 
For each 
additional 
conviction, 
double the 
immediately 
preceding 
percentage 

Definitions
2   In this Schedule,
	(a)	"criminal code conviction" means a conviction for an offence 
under section 130 of the National Defence Act or for any of 
the following offences under the Criminal Code (Canada):

Description of offence
(for convenience of reference only)
Criminal Code 
Section Number
Criminal negligence causing death committed by means 
of a motor vehicle
220
Criminal negligence causing bodily harm committed by 
means of a motor vehicle
221
Manslaughter committed by means of a motor vehicle
236
Dangerous operation of a motor vehicle
249(1)
Dangerous operation of a motor vehicle causing bodily 
harm
249(3)
Dangerous operation of a motor vehicle causing death
249(4)
Failing to stop a motor vehicle while being pursued by 
peace officer
249.1(1)
Failing to stop a motor vehicle causing bodily harm or 
death while being pursued by peace officer
249.1(3)
Failing to stop at scene of accident
252(1)
Failing to stop at scene of accident knowing bodily harm 
has been caused
252(1.2)
Failing to stop at scene of accident knowing death has 
been caused or reckless re bodily harm causing death
252(1.3)
Impaired driving or over .08
253
Failing or refusing to provide a blood or breath sample 
on demand
254
Impaired driving causing bodily harm
255(2)
Impaired driving causing death
255(3)
Operating a motor vehicle while disqualified
259(4)
	(b)	"driver abstract" means the abstract of the driving record 
referred to in section 5(1) of the Access to Motor Vehicle 
Information Regulation (AR 140/2003) or a similar 
document of another province or territory in Canada;
	(c)	"serious traffic safety conviction" means a conviction for any 
of the following offences under the Traffic Safety Act, or a 
conviction for an offence that is substantially similar under 
an enactment of Canada, other than the Criminal Code 
(Canada), or of another province or territory: 

Description of offence 
(for convenience of 
 reference only)
Enactment and 
section number

Traffic 
Safety Act
Use of 
Highway and 
Rules of the 
Road 
Regulation
Failing to remain at scene of accident
69(1)

Speeding - exceeding limit by more 
than 50 kph
115(2)(p)
53(5)(c)
Careless driving
115(2)(b)

Racing
115(2)(c)

Driving on a bet or wager
115(2)(d)

Failing to stop for a school bus

72(1)
Driving while unauthorized
94(2)

Failing to stop school bus, vehicle 
carrying explosives, etc. at uncontrolled 
railway crossing

42(5)
Failing to stop for a peace officer
166(2)

	(d)	"traffic safety conviction" means a conviction for any of the 
following offences under the Traffic Safety Act, or a 
conviction for an offence that is substantially similar under 
an enactment of Canada, other than the Criminal Code 
(Canada), or of another province or territory: 

Description of offence 
(for convenience of 
 reference only)
Enactment and 
section number

Traffic 
Safety Act
Use of 
Highway and 
Rules of the 
Road 
Regulation
Speeding - unreasonable rate of speed

2(1)(a)
Speeding - exceeding limit by over 30 
but not more than 50 kph
115(2)(p)
53(5)(c)
Following too close

18
Failing to notify owner 
   (a)  of an unattended vehicle 
         damaged in accident 
   (b)  of property damaged in 
         accident
 
 
69(2)(a) 
 
69(2)(b)

Driver failing to make accident report
71(1)

Speeding - exceeding limit by over 15 
but not more than 30 kph
115(2)(p)
53(5)(c)
Improper passing in school zone or 
playground zone

8
Failing to stop, etc. when meeting 
oncoming vehicle on narrow roadway

14
Passing on hill or curve or near railway 
crossing

19(1)
Passing on left when view obstructed 
or traffic present on left side of 
highway

20
Failing to pass on left in safe manner or 
failing to return to right side of 
roadway in safe manner

21(1)
Overtaking another vehicle by driving 
off the roadway, in a parking lane or 
when unsafe

23
Passing another vehicle stopped at 
crosswalk

41(2)
Driving left of centre line

12(1)
Driving wrong way on one-way 
highway

17
Impeding passing vehicle

21(2)
Impeding passing vehicle  - multi-lane 
highway

22(2)(b)
Failing to yield right of way to a 
vehicle 
   (a)  at an intersection, or turning 
         left unsafely 
   (b)  at yield sign 
   (c)  in traffic circle 
   (d)  at merge sign 
   (e)  at green light or green arrow 
   (f)  at flashing yellow light

 
 
 
34 
39 
40 
50, 51 
52(1), (3)-(5) 
53(3)
Failing to yield right of way to a 
pedestrian 
   (a)  at an alley entrance or driveway 
   (b)  in a crosswalk 
   (c)  at a green light or green arrow 
   (d)  at flashing yellow light at 
         intersection 
   (e)  at flashing yellow light 
          not at intersection 
   (f)  at flashing yellow light with zone 
          sign or symbol



36(3) 
41(1) 
52(1)-(5) 
 
53(3) 
 
53(4) 
 
53(5)(d)
Failing to stop 
   (a)  before entering highway 
   (b)  at a stop sign 
   (c)  for an emergency vehicle 
         sounding siren 
   (d)  at railway crossing when a train 
          is approaching 
   (e)  within prescribed distance from 
          railway when stop sign 
   (f)  at yellow light at intersection 
   (g)  at yellow light not at intersection 
   (h)  at red light at intersection 
   (i)  at red light not at intersection 
   (j)  at flashing red light at intersection 
   (k)  at flashing red light not at 
          intersection

 
36(2) 
37 
 
65(1) 
 
42(2) 
 
42(4)(a) 
53(1) 
53(2) 
54(1)(a) 
54(4) 
54(5)(a) 
 
54(6)(a)
Unauthorized following within 150 
metres of emergency vehicle sounding 
siren or with flashing lights or both

65(2)
Driving around barrier at railway 
crossing

42(3)
Proceeding when unsafe 
   (a)  after stopping at intersection 
   (b)  after stopping for stop sign at 
          railway crossing 
   (c)  after stopping for school bus 
   (d)  after stopping for red light at 
         intersection 
   (e)  after stopping for flashing red 
          light at intersection 
   (f)  after stopping for flashing red 
          light not at intersection

 
38 
 
42(4)(b) 
72(2) 
 
54(1)(b)
 
54(5)(b) 
 
54(6)(b)
Stunting
115(2)(f)

Speeding - exceeding limit by up to 
15 kph
115(2)(p)
53(5)(c)
Traffic lane violation 
   (a)  slow moving vehicle in incorrect 
          lane 
   (b)  driving at less than maximum 
          speed in designated fast lane 
          outside an urban area 
   (c)  improperly crossing solid or 
          broken lines or driving 
          improperly on left side of 
          broken lines on 2-way highway 
   (d)  making unsafe lane change 
   (e)  failing to drive in centre of 
          marked lane 
   (f)  occupying 2 lanes 
   (g)  improperly driving in centre 
          lane of 3 lane highway 
   (h)  driving in lane marked with "X"

 
 
3 
 
 
2(1)(b) 
 
 
 
15(1) 
15(4) 
 
15(5) 
15(6) 
 
16(1) 
27(4)
Failing to obey instruction of traffic 
control device

57
Slow driving impeding or blocking 
traffic

2(1)(c)
Driving at less than minimum speed
115(2)(q)

Failing to obey direction of peace 
officer to increase speed, etc.

2(4)
Failing to signal 
   (a)  when changing lanes 
   (b)  when turning left or right 
   (c)  when stopping

 
15(2) 
24 
35
Improper turns  
   (a)  when turning right 
   (b)  when turning left 
   (c)  failing to obey traffic control 
         device 
   (d)  making U-turn unsafely or 
         where prohibited 
   (e)  making U-turn with a school 
          bus where prohibited

 
25 
26 
 
27(1), (2) 
 
29, 30 
 
31
Backing up vehicle unsafely or where 
prohibited

32, 33


THE ALBERTA GAZETTE, PART II, JUNE 30, 2004




- 430 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


430
-  -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 103/2004	CANCER PROGRAMS
- 446 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 105/2004	MUNICIPAL GOVERNMENT
- 448 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


- 447 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 106/2004	MUNICIPAL GOVERNMENT
- 452 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 107/2004	COURT OF QUEEN'S BENCH
- 455 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 108/2004	REGULATIONS
- 466 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004

- 467 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 109/2004	FUEL TAX
- 468 -
THE ALBERTA GAZETTE, PART II, MAY 31, 2004


4



- 469 -

     dr/ymmdd/lawyeroperator/
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 110/2004	ALBERTA TREASURY BRANCHES
- 477 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 111/2004	CREDIT UNION
- 493 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 112/2004	MARKETING OF AGRICULTURAL PRODUCTS
- 495 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004

- 496 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


- 498 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


- 514 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 116/2004	ALBERTA HOUSING
- 501 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004

- 502 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 117/2004	MARKETING OF AGRICULTURAL PRODUCTS
- 506 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 118/2004	ALBERTA ENERGY AND UTILITIES BOARD 
- 507 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 119/2004	OIL AND GAS CONSERVATION
- 561 -
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 121/2004	INSURANCE
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 122/2004	INSURANCE
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 122/2004	INSURANCE
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004

THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 123/2004	INSURANCE
THE ALBERTA GAZETTE, PART II, JUNE 30, 2004


AR 124/2004	INSURANCE
- 587 -