Hi guys, I was wondering if you could help me with 2 questions I have: 1. Acc Bank handed back its banking licence in 2014. Deed of Mortgage states that "the Bank may point (...) receiver BY WRITING UNDER ITS HAND". Is it legal that ACC LM Ltd authorised its employees (who are NOT Executive Director, Secretary or Law Agent) to appoint receiver "under hand of the bank" if they don't even have the banking licence? 2. The resolution that board of directors of ACC LM Ltd signed only in August 2015 (after Ben Gilroy won the case for Mr. McPhilips) is ratifing the authorisation of mentioned employees RETROSPECTIVELY - going back to 2010, when they have been given power to witness under seal only. Is that lawful?