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University projects be at an interest rate equal to the Short Term Investment Pool 's quarterly rate of return in effect for the quarter immediately preceeding the date when the first drawdown occurs , with the loan 's interest rate to be adjusted each succeeding quarter when a new quarterly STIP rate is calculated . The Statement sets out what we consider to be good practice in relation to contracts which contain an interest rate variation clause . An adjustable-rate mortgage has an interest rate that moves up and down based on changes in some other rate , called the " index rate . Requiring a seller of a hearing aid to bill fees for diagnostic tests separately from specified other charges ; authorizing a seller of a hearing aid to deduct payments made for diagnostic tests from a refund paid to a purchaser after cancellation of a hearing aid purchase ; etc. Retirement and Pension System who retire within 30 days after separating from employment with specified employers may receive creditable service for their unused sick leave ; requiring that specified trustees on the Board of Trustees for the State Retirement and Pension System meet specified criteria ; etc. Providing for specified enhanced criminal penalties that may be imposed if a person is convicted of specified alcohol - - or drug - - related driving offenses and the trier of fact finds that the person knowingly refused to take a specified test ; requiring a police officer to advise a person of the enhanced criminal penalties under specified circumstances ; providing for specified procedures ; etc. Limiting to 5 days the period in which a court may extend the date of a hearing on a petition to authorize detention , community detention , or shelter care for a specified child filed by an intake officer or specified official ; and providing for the application of the Act. Providing for the calculation of the minimum nonforfeiture amount under specified annuity contracts ; providing for the calculation of and imposing conditions on the interest rate used in determining the minimum nonforfeiture amount under an annuity contract ; requiring an insurer to provide specified information regarding the redetermination of an interest rate in an annuity contract ; providing for the calculation of and imposing specified conditions on benefits for annuity contracts ; etc. Prohibiting a member of the State Retirement and Pension System who elects to receive Option 2 or 5 as an optional form of retirement allowance from designating a beneficiary who is more than 10 years younger than the member ; repealing Option 7 as an optional form of retirement allowance ; and providing for the application of the Act. Specifying the persons against whom an action may be brought to abate a nuisance on property used for controlled dangerous substance offenses ; clarifying that a plaintiff is entitled to equitable relief in an action to abate a drug - - related nuisance whether or not an adequate remedy exists at law ; authorizing a court , if a tenant fails to comply with an order to abate a drug - - related nuisance , to order restitution of possession of the property to the operator of the property ; etc. Altering requirements for disclosures of specified medical records ; requiring that specified health care providers disclose specified medical records under specified circumstances ; requiring that specified health care providers receive assurances from specified parties or by specified means ; etc. Juvenile Causes - - Child in Need of Assistance - - Court Hearings and Findings Requiring a juvenile court in specified hearings concerning a child in need of assistance to make a finding whether a local department of social services made reasonable efforts to prevent placement of the child into the local department 's custody ; requiring the court in specified review hearings to make a finding whether the local department made reasonable efforts to finalize the child 's permanency plan and meet the child 's needs ; requiring the court to consider specified factors in making a finding ; etc. Making the appointment and service of minors as election judges subject to specified provisions of the labor and employment law ; and authorizing minors to be exempt from work hour restrictions , under specified circumstances . It does n't hurt to contact your creditors to request an interest rate reduction or a new payment schedule .