FOR BREAKING NEWS VISIT www.qns.com THE COURIER SUN • FEBRUARY 9, 2017 23 THE DRAIN HOLE Q: On a construction site, I was passing from the roof into a room. First, I moved my left foot across its two-foot-high threshold. Then, without realizing it, I stepped into an uncovered drain hole in the floor directly behind the threshold. This caused me to fall to the floor. Apparently, a contractor had failed to provide temporary protection at the drain hole. A: You appear to have a good case under Labor Law § 241(6), which requires that an owner and contractors provide reasonable and adequate protection and safety to any person employed at, or lawfully visiting, this site. Your attorney will allege a violation of 12 NYCRR 23-1.7(e)(1), which applies to tripping hazards in a passageway – contending that the room’s ‘doorway’ constituted a passageway within the meaning of the regulation, and that the proximate cause of your injury was the drain hole within this passageway. You also seem to have a good case under Labor Law § 200 and common -negligence. Your injuries arose from the condition of the workplace, rather than the method used in performing the work, and it is very likely that you can show that the defendants were on notice as to the uncovered drain hole. As for the drain-hole contractor, it may contend that it owed you no duty of care because it ‘lacked contractual privity’. Your attorney is likely to say in rebuttal that nevertheless you were entitled to rely on that contractor’s performance, when you walked across the threshold. Valentineʼs Day Pop Up February 10 - 14 27-24 Queens Plaza S., LIC www.madeinqueens.nyc Chocolate Jewelry Chutney Flowers Cards Hot sauces & more Pottery Promotion period: January 17 – February 17, 2017 Hours: Feb. 10, 13 4PM-8PM Feb. 11, 12, 14 11AM-3PM Receive a Gold-Plated Rooster Figurine1 and special APY when you open: * Personal or Business CD 2 Opening deposit 12 months 18 months 24 months $30,000 - $99,999.99 0.80% APY 1.00% APY 1.21% APY OR * Money Market Account Opening Earn – Guaranteed When you maintain a Daily deposit Until 08/18/20173,4 Balance in the Money Market4 $25,000 - 0.60% APY $99,999.99 Between $25,000 - $99,999.99 Important: If the daily balance falls below $25,000 OR exceeds $99,999.99, the APY will be less than 0.60% and will revert to the APY in effect for the balance tier in which the account’s end-of-day balance falls. A Money Market Account is a variable, tiered rate5 savings account which allows you to earn better yields based on higher balances maintained in the account. EQUAL HOUSING LENDER FDIC Member MKT-3075 E (01/17) See important details below. Happy Chinese New Year Take Home a LUCKY ROOSTER Today! 1-800-9CATHAY 1-800-922-8429 www.cathaybank.com And, ask us how you can take home a Ceramic Rooster Money Bank. 1. One gold-plated rooster figurine per qualifying CD or Money Market account and household. Cannot be combined with any other offer. Other restrictions may apply; ask a financial service representative for details. Gift will be provided at the time account is opened. Value of the gift will be considered as reportable income for income tax purpose in the first year the account is opened. A 1099-INT statement for the gift amount (including tax) will be issued. Gift images for illustration only and may not be 100% representation of actual gifts. Gifts available while supplies last. 2. Promotional Annual Percentage Yield (APY) available for personal or business CD opened with new money for the terms stated above during the promotion period only. Opening deposit cannot be transferred from an existing Cathay Bank account. APY stated effective as of 1/17/2017 and subject to change at our discretion. Minimum balance required in the CD to earn the promotional APY is the same as the opening deposit amount. Promotional offers will apply to deposits renewing during the promotional period only if a minimum of $30,000 new money is added to the renewing CD. No other bonus rates available for this promotion. Penalty will or may be imposed for early withdrawal. Fees could reduce earnings on the account. 3. Promotional APY available on Consumer Smart Money Market or Business Money Market account opened with new money during the promotion period, and guaranteed until August 18, 2017 (provided you maintain the stated Daily Balance in the account), at which time the account will revert to the regular balance tiers and associated APYs payable on the Money Market account. 4. You must maintain the stated Daily Balance in the account to earn the 0.60% APY; if the daily balance falls below $25,000 OR exceeds $99,999.99, the account will revert to the APY in effect for the Money Market balance tier in which the account’s end-of-day balance falls. Consumer Smart Money Market current balance tiers and APYs are: Up to $9,999.99 earns 0.10% APY, $10,000 - $24,999.99 earns 0.15% APY, $25,000 - $49,999.99 earns 0.20% APY, $50,000 - $99,999.99 earns 0.25% APY, $100,000 - $299,999.99 earns 0.30% APY, $300,000 - $499,999.99 earns 0.30% APY, $500,000 - $999,999.99 earns 0.35% APY, $1,000,000 - $2,999,999.99 earns 0.45% APY, $3,000,000 and up earns 0.45% APY. APYs stated effective as of 01/04/2017 and subject to change at our discretion. A monthly maintenance charge of $10.00 will be imposed in any statement cycle if the daily balance in the Smart Money Market account falls below $5,000 on any day of the statement cycle. Ask for details on current balance tiers and associated APYs for the Business Money Market account. A monthly maintenance charge of $12.00 will be imposed in any statement cycle if the daily balance in the Business Money Market account falls below $10,000. Transaction limitations apply to all Money Market accounts. You may only make up to six withdrawals/transfers each monthly statement cycle by check, preauthorized or automatic transfer, draft, point-of-sale debit card, telephone and/or online banking; an Excess Withdrawal Fee of $10.00 will be imposed for each transaction exceeding the limits. 5. Interest rate and APY paid depends on the balance tier into which the account’s end-of-day balance falls. The interest rate that corresponds to the balance tier is paid on the full collected balance in the account at the end of the day. Interest rate and APY may change at any time without prior notice. Fees can reduce earnings. Cathay Bank reserves the right to withdraw these offers at any time.
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