Pursuant to the Resolution of the Council of Money and Credit of March 4 th, 2004 the rediscount rate shall be fixed at 4, %.
|
|
- Blaze Robinson
- 5 years ago
- Views:
Transcription
1 INSTRUCTIONS 2004
2 INSTRUCTION OF MARCH 4 TH, 2004 FIXING THE REDISCOUNT RATE Pursuant to the Resolution of the Council of Money and Credit of March 4 th, 2004 the rediscount rate shall be fixed at 4, %. This Instruction shall repeal the provisions of Instruction of May 29 th, 2003 and enter into force as from March 7 th, The Governor Mohammed LAKSACI
3 INSTRUCTION OF MAY 13 TH, 2004 RELATING TO THE RESERVE REQUIREMENT SYSTEM Article 1: Pursuant to Article 18 of Regulation of Moharram 12 th, 1425 corresponding to March 4 th, 2004 setting the conditions of minimum reserve requirement, the object of this Instruction is to set the effective conditions to constitute reserves requirement by Banks. Article 2: The reserve requirement assessment shall include all kinds of deposits in Dinars, i.e. demand deposits, time deposits, advance deposits, saving books cash vouchers and other deposits. Article 3: The reserve requirement rate shall be fixed at 6, 5 % of the reserves assessment as defined in Article 2 above. Article 4: Reserve requirement remuneration rate shall be fixed at 1, 75% per year. The remuneration shall be carried out as follows: Ai x Ni x P Rt = Rt= remuneration to be paid by the Bank of Algeria on reserves assets during the constitution period; Ai= reserves assets to be constituted during the constitution period, (assets of reserves exceeding the amount of reserve requirements to be constituted shall not be paid); Ni= calendar days during the constitution period; P= reserves assets remuneration rate. Article 5: The penalty rate for non constitution or insufficient constitution of the reserves requirement shall be (2) two points above the reserves requirement remuneration. Penalty computation shall be carried out as follows:
4 Bi x Ni x P1 Pt = Pt= penalty due for the insufficient reserve requirement assets constitution; Bi= average amount of reserves assets non constituted; Ni= number of calendar days during the constitution period; P1= penalty rate. Article 6: Banks shall send a statement showing the computation assessment statement of reserve requirements in accordance with canvas attached in appendix of this Instruction to the Bank of Algeria- General Department for Research- within the (10) ten days after closure of the reserves constitution period. Article 7: This Instruction shall cancel and replace Instruction of February 11 th, 2001 as amended and completed relating to the Reserve Requirement System. Article 8: This Instruction shall enter into force as from the date of its signature. The Governor Mohammed LAKSACI
5 Bank:. APPENDIX TO INSTRUCTION STATEMENT OF RESERVE REQUIREMENT ASSESSMENT FROM 15.TO 14.. In thousands of dinars Elements end Amounts I. Deposits in dinars a) demand deposits b) time deposits c) advance deposits d) cash vouchers e) saving passbooks f) other deposits Total Done, on Signature (1) (1)Signature of the Officer who shall sign 10R model statement
6 INSTRUCTION OF MAY 20 TH, 2004 SETTING THE TERMS AND CONDITIONS OF FOREIGN CREDITS STATEMENT Article 1: In accordance with Order of Jummada Ethania 1424 corresponding to August 26 th, 2003 relating to Money and Credit and Order of Safar 23 rd, 1417 corresponding to July 9 th, 1996 relating to the repression of law infringement and Regulation of exchange and capital movements to and from abroad as amended and completed, the object of this Instruction is to set the terms and conditions of foreign credits statement and transmission of any relevant information to control and monitor financial foreign liabilities. Article 2: Any foreign credit incurred with Banks, governments, private and public economic operators regularly registered in the Trade Register, shall be subject to a statement to the Bank of Algeria- General Department of Exchange according to the terms, procedures and deadlines specified by this Instruction. Article 3: Foreign credits with a reimbursement term above or equal to 12 months shall belong to the medium and long term foreign debt. They shall be declared according to the procedure debt identification sheet (D.I.S), debts maturity date sheet (D.M.S) and debts correction sheet (D.C.S) specified in appendix. Credits and/or foreign liabilities with a period between the date of the credit utilization and the final maturity date shall vary 60 and 360 calendar days classified as short term debts. Foreign liabilities of a period less than 60 days shall be considered as cash payment and shall not result in a prior statement. The 360 day credit line charge shall be considered as medium and long term debts. Article 4: Long and medium term foreign debt statements shall be carried out within the following maximum periods: - 60 days as from the date of signature of the financial agreement for identification by sheet D.I.S days as from each use (encashment) and its reimbursement maturity by presenting D.M.S and/or D.C.S sheet to the Department of Foreign Debt.
7 - 21 days before the maturity date for any payment of premium, commission, insurance, contractual interests and/or principal reimbursement according to the exchange file as defined in Article 7. Article 5: Short term debt statements, carried out according to the canvas in appendix, shall be sent to the Department of Foreign Debt at the end of the month following that month of use or reimbursement, at the latest. Article 6: Long and medium term foreign credit statement shall compulsorily lead to the remittance of a copy of loan contract or a financial agreement and any other document revealing foreign liability in addition to the D.I.S sheet and D.M.S sheet Short term foreign credits shall be subject to the monthly statement according to canvas in appendix. Article 7: Reimbursements and payments of long and medium term debt interests shall be carried out by the submission of the File Exchange, according to the credit type as follows: a. Governmental and/or Bilateral Credits: Principal amount in appendix IB and the Interests amount in appendix V; b. M.LT Financial Credits: Principal amount in appendix II B and the Interests amount in appendix V; c. Bank Credits for a period above 360 days: Principal amount in appendix III B and the Interest amount in appendix V; d. Multilateral Credits and borrowings requirements: Principal amount in appendix IV B and the Interests amount in appendix V; e. Suppliers unsecured Credits: Principal amount in appendix IX B and the Interests amount in appendix V; f. Other Payments (Commissions, Agios and any other payment excluded from one of the appendixes clearly provided for) in appendix VII; g. Payments in Foreign Currency Accounts in appendix VIII; h. Commercial Credits (Principal+ Interests) with a term less or equal to 360 days in appendix VI. Article 8: Any infringement of the provisions of this Instruction shall expose its perpetrator(s) to sanctions prescribed by Law, namely Order of Safar 23 rd, 1417 corresponding to July 9 th, 1996 relating to the repression of the infringement of the law and regulation of exchange and capital movements to and from abroad, as amended and completed. Article 9: This Instruction shall enter into force as from the date of its signature. The Governor Mohammed LAKSACI
8 INSTRUCTION OF JULY 22 ND, 2004 RELATING TO THE DETERMINATION OF THE PREMIUM RATE DUE UNDER THE CONTRIBUTION IN THE BANK DEPOSITS INSURANCE FUND Article 1:, The object of this Instruction is to fix the premium rate that Banks and foreign Banks branches operating in Algeria shall pay pursuant to Regulation of Moharram 12 th, 1425 corresponding to March 4 th, 2004 relating to the Bank Deposits Insurance System. Article 2: Pursuant to the Regulation mentioned in Article 1 above, the rate of the premium due by Banks and foreign Banks branches operating in Algeria shall be fixed for the financial year 2003 at 0, 35% of all the deposits recorded on December 31 st, 2003, under their contribution in the Bank Deposit Insurance System, in accordance with the Resolution of the Council of Money and Credit of July 19 th, Article 3: Premiums shall be paid, in favour of the Bank Deposits Guarantee Fund account to the Bank Deposits Insurance Company on the last business day of September 2004, at the latest. Article 4: This Instruction shall enter into force as from the date of its signature. The Governor Mohammed LAKSACI
9 INSTRUCTION OF AUGUST 2 ND, 2004 RELATING TO CREDIT CARD STANDARDIZATION Article 1: The object of this Instruction is the standardization of the bank smart credit card issued by Banks and Algérie-Poste. Article 2: The Smart card shall meet the international standards EMV (Europay MasterCard Visa). The chip shall allow for payments transactions on electronic payment terminals. The track of the card shall allow for withdrawals on ATM (DAB abd GAB). Article 3: The standardization of the bank smart credit card shall cover the following: - standardization of marking and stamping areas, - encoding magnetic zones, - smart engraving The Card standardization shall be completed by minimal specifications of electronic payments terminals. Article 4: Stamping and marking areas shall be those reserved to plain customization and coded customization of information according to suitable methods. Article 5: Encoding magnetic tracks shall consist in recording on the magnetic tracks of the card, the coded information with specific equipment and logistics in accordance with international standards. Article 6: Chip etching, composed of a microprocessor and memory, shall record credentials of the card holder and issuer with specific equipment and logistics in accordance with the international standards in force for the electronic payments on payment terminals set up at acceptors.
10 Article 7: Home payment transactions shall only be authorized on EMV chip. The following cases shall be excluded: - fold on magnetic track in case of no chip - fold on manual transaction in case of no chip. Article 8: Electronic payment terminals shall be able to deal with payment smart cards in accordance with the EMV standard. Article 9: Technical elements relating to automatic processing of cash withdrawal and electronic payments relating to support, coding, encoding and etching of chip processes, features, information exchange protocols together with electronic payment terminals shall be defined within the (5) five appendixes attached to this Instruction:. Appendix 1: stamping and marking areas,. Appendix 2: magnetic areas encoding,. Appendix 3: chip etching,. Appendix 4: credit card configuration,. Appendix 5: general specifications of TPE logistic. Article 10: Withdrawals on ATM shall continue using the magnetic track for a temporary period of three years. At the expiry of temporary period mentioned above at the latest, the information recorded on the magnetic area shall be etched on the chip. Article 11: This Instruction shall cancel and replace Instruction of September 28 th, 1994 relating to credit card standardization. Article 12: This Instruction shall enter into force as from the date of its signature. The Governor Mohammed LAKSACI
11 APPENDIX 1 STAMPING AND MARKING AREAS Physical specifications of credit card shall be defined by the standard ISO/IEC Customization of credit card shall be carried out according to two processes: - Plain customization including marking and stamping, - coded customization that shall basically consist in encoding magnetic areas and chip etching. I.1 MARKING Marking shall be carried out in accordance with the international standards, during manufacturing the (smart card and magnetic card), and shall record the following elements:. Verso: (the inner left section) of the card, a code indicating the manufacturing workshop, serial number and lot number shall be printed;. Recto: (the bottom), the mention expires at the end together with arrow indicating the insertion way of the car in ATM and payment terminals shall be printed. I.2 STAMPING (EMBOSSING) DATA Stamping or embossing shall bring up relief characters on the card recto Recording or printing by stamping technique shall be defined within the standard ISO/IEC 7811 that specifies the characters I.2.1 Characters type The characters selected for stamping shall be of type: FARRINGTON 7 B: for the ID card number ROC-B (OCR-B): Capital letters alphanumeric of dimension 1 for stamping.the expiry date. Full names of customer. Incorporate name of the company
12 FARRINGTON 7B and OCR-B printing specifications shall be detailed in 1.3 I.2.2 Characters spacing Characters spacing shall be as follows: a) nominal spacing: 3,63 mm and 2,54 mm for characters visually readable; b) minimal spacing between two consecutive characters: 3,48 mm and 2,46 mm for characters visually readable. I.2.3 Characters height The maximum height on the surface of printing stamped characters taking into consideration the inclination of the central line and misalignment of characters shall be : 4,32 mm. I.2.4 Height of stamped embossed characters The height of characters stamped above the surface of the card shall be 0, 48 mm with tolerance of + or 0, 05 mm. Stamping data as card number, expiry date, full names of customer shall be recorded by embossed writing in the stamping area of the card, in accordance with the international ISO standards. I.3 STAMPING AREA Stamping area shall be located on the card bottom. It shall be constituted of four lines gathered into (2) areas which are: I.3.1 Area 1 It shall be constituted by (1) one line reserved for card number that identifies both its issuer and holder. This area shall be called ID number line the characters on which shall be the following:.character type: FARRINGTON 7B (figures from 0 to 9 included). length of the line: 65,34 mm (+ or 1 mm). number of characters: 16 figures distributed in blocks of 4.
13 * Dimension of characters:. Nominal height = 3, 81 mm; maximum = 5 mm,. Nominal width = 2, 03 mm; maximum = 3, 63 mm * Dimension of lines:. Nominal width = 0, 51 mm: Maximum = 0, 76 Minimum = 0, 25 * Spacing and alignment of characters:. Nominal spacing = 7 characters per inch. Minimum horizontal spacing between characters = 0, 38 mm,. Inclination of character = maximum 3 * Distance between the centre line and the line of the ID number and the bottom edge of the card: 21, 42 mm (+ or 0, 12 mm). *Distance between the centre line of the first position of the character and the left edge of the card: 10, 18 mm (+ or 0, 25). * Spacing between area 1 and area 2 = 3, 7 mm. * Shape of the card surface after stamping: shall not exceed 0, 13 mm. I.3.2 Zone 2 It shall be constituted of (3) three lines provided for to receive data identifying the holder (full name, incorporate name and address) and the expiry date of the card. *This area shall be called name and address area the specifications of which shall be the following:. Characters type: OCR-B (Alphanumeric),. Length of each line= 7, 65 mm,. Characters number: 27 characters,. Spacing between characters: 10 characters per inch. * Dimension of the area: Maximum height = 14, 53 mm (for the 3 lines) * Bottom margin between the area and the bottom edge of the card: Minimum = 2, 41 mm Maximum = 3, 30 mm * Distance between centre line of the first position of each line character in the left of the card = 7, 65 mm (+ or 0, 25).
14 APPENDIX II ENCODING MAGNETIC TRACKS The customization of magnetic track shall basically consist in the customization of track ISO 2. The card shall contain on the verso a strip covering (3) three tracks ISO 1, ISO 2, ISO 3. Specifications of magnetic material: areas and encoding technique shall be defined by the standards ISO/IEC 7811 from 2 to 5. It should be noted that these specifications are extremely important because they are taken into account by constructors of ATM in Hardware and Software plan. The encoding (writing on track ISO 2) shall be carried out with equipment and specific logistics in accordance with track description and with the ISO (reference ISO/IEC 7813 AND 7811) international standards. The installation of national credit card system, involving interoperability and inter-banking of ATM, shall require the standardization of informative content of various area ISO 2 networks. These standards content, relating to the system security, shall be held by the Automation Company of Inter-banking Transactions (SATIM), empowered Institution, and shall scrupulously be respected by all concerned parties.
15 APPENDIX III CHIP ETCHING The microcircuit card, commonly called smart card shall contain on the recto a chip that contains a microprocessor and memory. Specifications of chip and etching technique shall be defined by the ISO/IEC 7816 and EMV 2000 standards. Specifications EMV 2000 of smart card shall define: Electromechanical specifications, logical interfaces and transmission protocols used to exchange information between the card and the electronic payment terminal. These specifications shall be described in Book 1 Application Independent ICC to Terminal Interface Requirement of standard EMV * ICC Integrated Circuit Card.
16 APPENDIX IV CONFIGURATION OF THE CARD RECTO 85, 72 B C D all 54, (*) S3 S2 S1 All dimensions shall be given by millimetres (*) ID number S3: expiry date S2: Mr. Full name S1: incorporate name. Location of chip vis-à-vis the card : A : mm C : 19, 20 mm B : 19, 87 mm D : 28, 55 mm ID number or card number (PAN) shall be defined by ISO. It shall contain (3) three elements: IIN/BIN, CAN, and CONTROL KEY. * IIN/BIN (Issuer Identification Number / Bank Identification Number) It shall be the card issuer identification number (cardholder bank). It shall contain (6) six fixed positions. This number shall be required by the organism ISO that shall ensure its uniqueness for each issuer.
17 * CAN (Customer Account Number): It shall be the holder s identification number. It shall contain 9 digital positions indicating from left to right: (2) two positions to codify card products issued by issuers. The codification product shall be the same for all Banks and Algérie poste. (7) seven positions from (9 to 15) shall be a registration chronologic numbering of the holder. * CONTROL KEY It shall be the key that checks the card number. This key shall be extended on position (position 16). The control key shall be calculated on the basis of formula Luhn (computation algorithm)
18 APPENDIX V GENERAL SPECIFICATIONS OF EPT The electronic payment terminals (EPT) set up at acceptors (traders, large public utilities companies, ) shall be connected to the SATIM servers centre. They shall obey to SPDH protocol (Standard Point of sale Devise Handler), version 6.0 V4 that shall define the exchange messages between EPT and the server. EPT shall respect the ISO/IEC standard EPT can operate in two ways: Off line: transaction shall be carried out on the basis of the holder management parameters etched on the chip. On line: transaction shall be carried out with a request for authorization sent to the SATIM server when off-line thresholds are passed. Software set up on EPT shall ensure the processing of the following operations: - sale transactions, - sale transactions with tip, - withdrawal on EPT in a Bank branch, - reimbursement of sale transactions, - pre-authorization management. - Software set up on EPT shall allow for the processing of the list of cards in opposition
19 INSTRUCTION OF AUGUST 2 ND, 2004 RELATING TO BANK IDENTIFICATION Article 1: The object of this Instruction is to determine standards relating to Bank identification of Bank clients and any other Institution issuing payment instrument in accordance with the provisions of Regulation of June 2 nd, 1994 relating to management principles and standards Institutions in the Banking. Article 2: The standards defined by this Instruction shall be relating to standardization of the:. Bank account number granted to clients;. Bank account details. Article 3: The Bank account number granted to Bank clients and other institutions issuing payment instruments clients shall be composed of (20) digital characters essentially distributed in the following order:.3 characters for the bank code,.5 characters for the branch code,.10 characters for the client individual account number.02 characters for the control key of account number. The control key of the account number shall be generated by applying Modulo 97 method in appendix attached to this Instruction. Article 4: Bank code shall be granted by the Bank of Algeria to each Bank or to any other Institution issuing payment instruments. The Branch code shall be granted by any Bank or Institution issuing payment instrument to each branch; these numbers which are part of the referential for payment systems shall be notified to the Bank of Algeria The customers individual account number shall be granted to customers by the Bank or Institution branch issuing payment instruments that has proceeded with the account opening. It shall be a number granted according to unique procedure organized by the Bank avoiding granting several accounts of the same kind to customer.
20 Article 5: Bank account details (RIB) shall be a document gathering the necessary basic information to identify the customer. This statement shall be presented by the customer at any time that the banker or Institution issuing payment instruments wants to check his identity. Components of this Bank identity statement shall be the following:. full names or incorporate name of the account holder,. name of the institution or the domiciliary branch, Bank identity number composed of 20 digital characters imperatively structured in the order mentioned in Article 3 above. Article 6: The Bank account details as defined in Article 5 above shall represent the elements necessary for the settlement of scriptural payment instruments (paper or electronic support) Article 7: This Instruction shall cancel and replace Instruction of September 28 th, 1994 relating to Bank identification Article 8: This instruction shall enter into force as from the date of its signature. The Governor Mohammed LAKSACI
21 INSTRUCTION OF DECEMBER 30 TH, 2004 RELATING TO THE DECLARATION OF THE RATIO CALLED RATIO OF EQUITY CAPITAL AND PERMANENT RESOURCES BY BANKS AND FINANCIAL INSTITUTIONS Article 1: Pursuant to Regulation of July 19 th, 2004 setting the ratio called ratio of equity capital and permanent resources, the object of this Instruction is to specify certain items in the computation of the ratio and to define the models of such ratio statement by Banks and Financial Institutions of this report. Article 2: The resources deemed stable but without fixed maturities such as deposits on housing saving books shall be included in the ratio denominator up to 20% Article 3: Under nonperforming claims or doubtful claims, claims classified in the category of potential risk claims net of allowances shall be included in the ratio denominator up to 50%. Claims classified in categories of high risk claims and doubtful claims net of allowances shall be included in denominator ratio up to 100%. Article 4: The declaration of the ratio called ratio of equity capital and permanent resources shall be carried out yearly, on March 31 st of each year at the latest, according to the statement models attached in the appendix of this Instruction: - model 4001 relating to permanent resources - model 4002 relating to permanent uses Article 5: The yearly statements duly filled out shall be signed by the entitled manager under Article 90 of Order 3-11 of August 26 th, 2003 relating to Money and Credit. They shall be sent to the Commission Bancaire with a copy to the General Department for Researches of the Bank of Algeria. Article 6: This Instruction shall enter into force as from the end of the financial year The Governor Mohammed LAKSAC
22 APPENDIX I TO INSTRUCTION Model 4001 Institution subject. COMPUTATION OF RATIO OF EQUITY CAPITAL AND PERMANENT RESOURCES CLOSING DATE Day Month Year Wording Code Amounts STABLE RESOURCES I- Equity capital Capital Reserves Statutory reserves Contractual and statuary reserves Assessment difference Allowances for general Bank risks Financial year Profits Forward Premium to a new creditor Subordinate debts Sub-total Shall be deducted: Partly paid capital Loss of the financial year Operating tangible assets excluding right to lease Setting up costs Forward Premium to a new debtor Sub-total Basic equity capital (C=A-B) A B C
23 II-permanent resources Partners current accounts Obligatory borrowings issued (beyond 5 years) cash vouchers and saving bonds Customers time deposits(beyond 5 years) Housing saving booklet Other stable saving booklets borrowings surplus on Banks and Financial Institutions loans(beyond 5 years) TOTAL OF PERMANENT RESOURCES D TOTAL OF PERMANENT RESOURCES (E= C+D) 123 E
24 Appendix II To Instruction Model 4002 Institution subject. COMPUTATION OF RATIO OF EQUITY CAPITAL AND PERMANENT RESOURCES closing date Day Month Year STABLE USES Wording Code Amounts Net fixed assets depreciation and eventual allowances Equity and subsidiary securities (allowances net) Subordinated loan Potential risk claims ( allowances net) Other classified claims ( allowances net) Current claims ( beyond 5 years) Leasing ( beyond 5 years) Loans surplus on Banks and Financial Institutions borrowings ( beyond 5 years) Non marketable bonds Non- tradable shares TOTAL OF STABLE USES COMPUTATION OF RATIO OF EQUITY CAPITAL AND PERMANENT RESOURCES 5 g+ E/F) F 135 G
Pursuant to the Resolution of the Council of Money and Credit of January 17 th, 2002, the rediscount rate shall be fixed at 5, 5%.
INSTRUCTIONS 2002 INSTRUCTION 01-2002 OF JANUARY 17 TH, 2002 FIXING THE REDISCOUNT RATE Pursuant to the Resolution of the Council of Money and Credit of January 17 th, 2002, the rediscount rate shall be
More informationArticle 3: The system mentioned in Article 2 above is based on obligations to be met by reporting Institutions, as defined hereinafter:
INSTRUCTIONS 2011 INSTRUCTION 01-2011 OF MARCH 9 TH, 2011 SETTING TERMS OF APPLICATION OF REGULATION 08-01 OF JANUARY 20 TH, 2008 RELATING TO THE SYSTEM FOR PREVENTION AND FIGHT AGAINST THE ISSUE OF DUD
More informationREGULATION OF JANUARY 20 TH, 2008 RELATING TO THE SYSTEM OF PREVENTION AND FIGHT AGAINST THE ISSUING OF DUD CHEQUES
REGULATIONS 2008 REGULATION 08-01 OF JANUARY 20 TH, 2008 RELATING TO THE SYSTEM OF PREVENTION AND FIGHT AGAINST THE ISSUING OF DUD CHEQUES The Governor of the Bank of Algeria, Whereas Order 75-59 of September
More informationWhereas Order of Chaâbane 1416 corresponding to January 10 th, 1996 relating to leasing;
REGULATIONS 2007 REGULATION 07-01 OF MOHARAM 1428 CORRESPONDING TO FEBRUARY 03 RD, 1428 RELATINGTO THE RULES APPLICABLE TO EXTERNAL CURRENT TRANSACTIONS AND FOREIGN CURRENCY ACCOUNTS The Governor of the
More informationINSTRUCTION OF FEBRUARY 11 TH, 2001 RELATING TO THE RESERVE REQUIREMENT SYSTEM
INSTRUCTIONS 2001 INSTRUCTION 01-2001 OF FEBRUARY 11 TH, 2001 RELATING TO THE RESERVE REQUIREMENT SYSTEM Article 1: In pursuance of Article 93 of Law 10-90 of April 14 th, 1990 relating to Money and Credit
More informationOrders by file for the issuing of direct debit payments
SPANISH BANKING ASSOCIATION Orders by file for the issuing of direct debit payments banking procedures and standards series 68 Madrid - September 2002 INDEX Page INTRODUCTION 3 1. CHARACTERISTICS 4 2.
More informationArticle 4: Any otherwise provisions shall be repealed, namely those of Instruction of June 23 rd, 2005.
INSTRUCTIONS 2007 INSTRUCTION 01-2007 OF MARCH 14 TH, 2007 AMENDING AND COMPLEMENTING INSTRUCTION 08-2001 OF DECEMBER 30 TH, 2001 SETTING THE TERMS AND CONDITIONS OF ISSUE OF AIRLINE TICKETS AND TRANSFER
More informationArticle 2: Article 6 of Instruction relating to the regime of mandatory reserves shall be amended to read as follows:
INSTRUCTION 01-2017 OF MARCH 1 st, 2017 AMENDING AND SUPPLEMENTING INSTRUCTION 02-2004 OF MAY 13 th, 2004 RELATING TO THE REGIME OF MANDATORY RESERVES Article 1 : This Instruction is to amend the basis
More informationTERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A CORPORATE CARD
TERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A CORPORATE CARD Československá obchodná banka, a. s. (hereinafter simply the Bank ) in accordance with Act No. 492/2009 Coll. on payment services and on
More informationTERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A ČSOB CREDIT CARD
TERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A ČSOB CREDIT CARD Československá obchodná banka, a. s. (hereinafter simply the Bank ) in accordance with Act no. 492/2009 Coll. on payment services and on
More informationTERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A CORPORATE CARD
TERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A CORPORATE CARD Československá obchodná banka, a. s. (hereinafter simply the Bank ) in accordance with Act No. 492/2009 Coll. on payment services and on
More informationCredit Card Conditions of use. Terms and Conditions
Credit Card Conditions of use Terms and Conditions Effective: 20 March 2014 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before
More informationLatvijas Banka. 13 March 2014 Regulation No. 131
Latvijas Banka 13 March 2014 Regulation No. 131 Regulation for Compiling Credit Institution, Electronic Money Institution and Payment Institution Payment Statistics Report Note: As amended by Latvijas
More informationBusiness Vantage Visa Credit Card. Conditions of Use. Effective Date: 4 November 2016
Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 4 November 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement
More informationTERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD
TERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD Československá obchodná banka, a. s. (hereinafter simply the Bank ) in accordance with Act No. 492/2009 Coll. on payment services and on the
More informationPRODUCT-SPECIFIC BUSINESS CONDITIONS FOR DEPOSIT PRODUCTS OF SLOVENSKÁ SPORITEĽŇA, A. S.
PRODUCT-SPECIFIC BUSINESS CONDITIONS FOR DEPOSIT PRODUCTS OF SLOVENSKÁ SPORITEĽŇA, A. S. 2 TERMS AND DEFINITIONS Deposit Product Bank Product covered by these PsBC. PsBC These Product-Specific Business
More informationTERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD
TERMS AND CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD Československá obchodná banka, a. s. (the Bank ) in accordance with Act No. 492/2009 Coll. on Payment Services and on amendments of and supplements
More informationCredit Card Conditions of Use. Credit Guide.
Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2014 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before
More informationGuide from. A guide to Income tax self-assessment
Guide from Tel: 01865 379272 www.crmoxford.co.uk A guide to Income tax self-assessment Increasing numbers of tax payers are affected by self-assessment, including the self-employed and paid company directors.
More informationCredit Card Conditions of Use and Credit Guide
Credit Card Conditions of Use and Credit Guide Effective Date: 28 October 2016 Your Credit Contract includes this Conditions of Use brochure, the letter which advises both your credit limit and other prescribed
More informationBall State University
PCI Data Security Awareness Training Agenda What is PCI-DSS PCI-DDS Standards Training Definitions Compliance 6 Goals 12 Security Requirements Card Identification Basic Rules to Follow Myths 1 What is
More informationGENERAL TERMS AND CONDITIONS FOR THE USE OF VISA AND/OR MASTERCARD CARDS
69, route d'esch L-2953 Luxembourg Tél. (+352) 4590-1 R.C.S. Luxembourg B-6307 BIC Code BILLLULL Name Identification Account GENERAL TERMS AND CONDITIONS FOR THE USE OF VISA AND/OR MASTERCARD CARDS DEFINITIONS
More informationRealisation of the Single Euro Payments Area in Finland
17.2.2010 Realisation of the Single Euro Payments Area in Finland SEPA Implementation and Migration Plan in Finland Version 4 Realisation of the Single Euro Payments Area in Finland SEPA Implementation
More informationMastercard Payment Transaction Services Turkey Bilişim Hizmetleri Anonim Şirketi
Mastercard Payment Transaction Services Turkey Bilişim Hizmetleri Anonim Şirketi System Rules prepared in compliance with Article 7 of the Regulation on the Operations of Payment and System Rules MasterCard
More information1 P a g e LAW ON ACCOUNTING. ("Off. Herald of RS", No. 62/2013)
LAW ON ACCOUNTING ("Off. Herald of RS", No. 62/2013) I GENERAL PROVISIONS Scope of Application Article 1 This law shall regulate the subjects of application of this law, the classification of legal persons,
More informationLCH LIMITED PROCEDURES SECTION 2C SWAPCLEAR CLEARING SERVICE
LCH LIMITED PROCEDURES SECTION 2C SWAPCLEAR CLEARING SERVICE CONTENTS Section Page 1. Swapclear Clearing Service... 1 1.1 The Clearing Process... 1 1.2 Operating Times and Calendars... 4 1.3 Registration...
More informationUBS BESR Payment Slip Payment Notification via File Transfer. September 2017
UBS BESR Payment Slip Payment Notification via File Transfer September 2017 Contents 1. Introduction... 5 1.1 UBS BESR The bank payment slip with UBS reference number... 5 1.2 System overview... 5 2. General
More informationTERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD
TERMS & CONDITIONS FOR THE ISSUANCE AND USE OF A DEBIT CARD Československá obchodná banka, a. s. (hereinafter simply the Bank ) in accordance with Act No. 492/2009 Coll. on payment services and on the
More informationEQUA BANK PRODUCT TERMS AND CONDITIONS FOR DEBIT PAYMENT CARDS 1. INTRODUCTORY PROVISIONS
EQUA BANK PRODUCT TERMS AND CONDITIONS FOR DEBIT PAYMENT CARDS 1. INTRODUCTORY PROVISIONS 1.1. Scope and changes 1.1.1. These product terms and conditions for debit cards (hereinafter the "Conditions for
More informationDecree No. 21/2006 (XI. 24.) of the Governor of the MNB. on carrying out payment transactions
Decree No. 21/2006 (XI. 24.) of the Governor of the MNB on carrying out payment transactions Pursuant to the authorisation defined in Article 60 (1) ha) of Act LVIII of 2001 on the Magyar Nemzeti Bank,
More informationSecurities account. terms and conditions. 1. Explanatory Terms. 2. General Terms
Securities account terms and conditions 420282 In effect from September 18, 2017 1. Explanatory Terms The Explanatory terms used but not defined in this Agreement shall have the same meaning as those defined
More informationFurther to the Resolutions of the Council of Money and Credit, of April 8 th 2013;
REGULATIONS 2013 REGULATION 13-01 OF APRIL 8 TH, 2013 SETTING GENERAL RULES DEFINING BANK CONDITIONS APPLICABLE TO BANK TRANSACTIONS The Governor of the Bank of Algeria, Whereas Order 03-11 of Juoumada
More informationPRODUCT-SPECIFIC BUSINESS CONDITIONS FOR DEPOSIT PRODUCTS OF SLOVENSKÁ SPORITEĽŇA, A. S.
PRODUCT-SPECIFIC BUSINESS CONDITIONS FOR DEPOSIT PRODUCTS OF SLOVENSKÁ SPORITEĽŇA, A. S. DEFINITIONS Deposit Product PsBC A Bank Product covered by these PsBC. These Product-Specific Business Conditions
More informationCARD ISSUER DUTIES & RESPONSIBILITIES. Copyright 2013 CO-OP Financial Services
SECTION 3 Operating Rules and Regulations without the prior written permission of CO-OP Financial Services. All Rights Reserved Card Issuers shall have the following responsibilities in addition to those
More informationDual Interface Test Card Set Summary
Dual Interface Test Card Set Summary August, 2016 Powered by Disclaimer Information provided in this document describes capabilities available at the time of developing this document and information available
More informationTerms and Conditions for the Issuance and Use of Payment Cards
Terms and Conditions for the Issuance and Use of Payment Cards Effective as of 3 January 2018 Part I/ Introduction (1) These Terms and Conditions for the Issuance and Use of Payment Cards (the Terms and
More informationBank ICBC (Joint-Stock Company) (Bank ICBC (JSC))
Bank ICBC (Joint-Stock Company) (Bank ICBC (JSC)) APPROVED by the Management Board of ICBC (JSC) (minutes No. dd., 20 ) Terms and Conditions for ICBC Bank Brokerage Services on the Securities Market Moscow
More informationUniCredit Bank Hungary Zrt s Bank Card Terms and Conditions
UniCredit Bank Hungary Zrt s Bank Card Terms and Conditions Effective from 22 nd November 2017 TABLE OF CONTENTS 3 1. Introductory provisions 3 2. Definitions concerning bank cards 9 3. Issuance and validity
More informationExperience business banking with more control.
Experience business banking with more control. Business Visa Debit Card User Guide. Welcome to an easier way of doing business, with the HSBC Business Visa Debit Card. Now you re in control of your business
More informationREGULATION OF JULY 1 st, 2017 RELATING TO THE INTERBANK FOREIGN EXCHANGE MARKET AND TO HEDGING INSTRUMENTS FOR FOREIGN EXCHANGE RISK
REGULATION 17-01 OF JULY 1 st, 2017 RELATING TO THE INTERBANK FOREIGN EXCHANGE MARKET AND TO HEDGING INSTRUMENTS FOR FOREIGN EXCHANGE RISK The Governor of the Bank of Algeria, - Whereas Order 96-22 of
More informationAMPLIFY CREDIT CARD. Business Conditions of Use.
AMPLIFY BUSINESS CREDIT CARD Business Conditions of Use. Effective Date: 30 May 2018 Your Credit Contract includes this Conditions of Use brochure, the letter which advises both your credit limit and other
More informationLondon Stock Exchange Derivatives Market
London Stock Exchange Derivatives Market LSEDM 401 HSVF Market Data Technical Specification (SOLA 11) Issue 5.1 31 March 2017 Contents 1.0 Introduction 6 6.4 Message Type ES: Instrument Schedule Notice
More informationMacedonian Interbank Payment System Operating RULES
Pursuant to Article 48 paragraph 1 item 7 of the Low of the National Bank of the Republic of Macedonia ("Official Gazette of the Republic of Macedonia no. 158/10, 123/12, 43/14, 153/15 and 6/16), and Article
More informationthe regular members of the Council of Money and Credit and their substitutes;
REGULATIONS 2002 REGULATION 2002-01 OF FEBRUARY 17 TH, 2002 SETTING THE CONDITIONS FOR ESTABLISHING THE FILE OF APPLICATION FOR AUTHORIZATION TO INVEST AND / OR SET UP REPRESENTATIVE OFFICE ABROAD OF ECONOMIC
More informationCorporate MasterCard. Conditions of Use.
Corporate MasterCard Conditions of Use. Effective Date: 4 November 2016 Corporate MasterCard Card account Conditions of Use St.George Bank This document does not contain all the terms of the agreement
More informationConsultation regarding purchase of national health insurance card
Consultation regarding purchase of national health insurance card 1. Background According to the Danish Finance and Appropriation Act agreed for 2014, the public travel medical insurance will be cancelled.
More informationREGULATIONS for the processing of card payments.
REGULATIONS for the processing of card payments. Version: 3.2.1, November 2015 TABLE OF CONTENTS CONTENTS 1 Debit cards: Maestro and V PAY 3-6 1.1 Security features 3-4 1.1.1 Maestro 3 1.1.2 V PAY 4 1.1.3
More informationECSG SEPA CARDS STANDARDISATION (SCS) VOLUME STANDARDS REQUIREMENTS
ECSG001-17 01.03.2017 (Vol Ref. 8.6.00) SEPA CARDS STANDARDISATION (SCS) VOLUME STANDARDS REQUIREMENTS BOOK 6 IMPLEMENTATION GUIDELINES Payments and Cash Withdrawals with Cards in SEPA Applicable Standards
More informationNATIONAL PAYMENT AND SETTLEMENT SYSTEMS DIVISION
NATIONAL PAYMENT AND SETTLEMENT SYSTEMS DIVISION MINIMUM STANDARDS FOR ELECTRONIC PAYMENT SCHEMES ADOPTED SEPTEMBER 2010 Central Bank of Swaziland Minimum standards for electronic payment schemes Page
More informationOPERATING RULES OF THE PAYMENT SYSTEM CENTROLINK OF THE BANK OF LITHUANIA CHAPTER I GENERAL PROVISIONS
APPROVED by Resolution No 03-176 of the Board of the Bank of Lithuania of 6 November 2017 OPERATING RULES OF THE PAYMENT SYSTEM CENTROLINK OF THE BANK OF LITHUANIA CHAPTER I GENERAL PROVISIONS 1. The Operating
More informationGeneral agreement terms and conditions 1 (9) governing services with access codes
General agreement terms and conditions 1 (9) 1. General Nordea Bank AB (publ), Finnish Branch (hereinafter the Bank ) offers its customers a service package accessible with access codes (hereinafter the
More informationThe full text of. Decision No 7/2012 of Národná banka Slovenska (NBS) of 16 October 2012
The only legally binding version of this Decision is the Slovak version. The full text of Decision No 7/2012 of Národná banka Slovenska (NBS) of 16 October 2012 on rules of the SIPS payment system, as
More informationCash Advance Application
Verifone Evolution Series Cash Advance Application Quick Reference Guide 2017 Elavon Inc. Elavon is a registered trademark in the United States and other countries. Apple Pay is a trademark of Apple Inc.
More informationFurther to the resolutions of the Council of Money and Credit, of February 20 th, 2012;
REGULATIONS 2012 REGULATION 12-01 OF FEBRUARY 20 TH, 2012 ON THE ORGANIZATION AND RUNNING OF THE CREDIT RISK REGISTRY OF COMPANIES AND HOUSEHOLDS The Governor of the Bank of Algeria, Whereas Order 03-11
More informationREGULATION OF FEBRUARY 16 TH, 2014 RELATING TO SOLVENCY RATIOS APPLICABLE TO BANKS AND FINANCIAL INSTITUTIONS
REGULATION 14-01 OF FEBRUARY 16 TH, 2014 RELATING TO SOLVENCY RATIOS APPLICABLE TO BANKS AND FINANCIAL INSTITUTIONS The Governor of the Bank of Algeria, Whereas Order 03-11 of Jumaada al-thaany 27 th,
More informationSecure Payment Transactions based on the Public Bankcard Ledger! Author: Sead Muftic BIX System Corporation
Secure Payment Transactions based on the Public Bankcard Ledger! Author: Sead Muftic BIX System Corporation sead.muftic@bixsystem.com USPTO Patent Application No: 15/180,014 Submission date: June 11, 2016!
More information1. Card Processor a bank or credit institution which
Rules for VISA BUSINESS Charge Cards of Raiffeisen Bank Polska S.A. The rules for VISA BUSINESS Charge Cards, hereinafter referred to as the Rules were published by Raiffeisen Bank Polska S.A., with its
More informationTERMS AND CONDITIONS. 1.1 In this Terms and Conditions, the following words and phrases will have the meanings as assigned below:
Money Transfers to India Account Holder TERMS AND CONDITIONS These terms and conditions ( Terms and Conditions ) apply to the HomeVantage Current Account and HiSAVE Remittance Account and should be read
More informationSPANISH BANKING ASSOCIATION. Orders by file for the issuing of transfers and cheques banking procedures and standards series
SPANISH BANKING ASSOCIATION Orders by file for the issuing of transfers and cheques banking procedures and standards series 34-1 Madrid - May 2008 Page INDEX INTRODUCTION 3 I. DEFINITION AND CHARACTERISTICS
More informationTechnical Specifications 01 November January SOLA Derivatives HSVF Market Data. SOLA 12 Drop 4: V November 2018
Technical Specifications 01 November 201827 January 2014 SOLA Derivatives HSVF Market Data SOLA 12 Drop 4: V9.0 01 November 2018 1 1 Introduction 7 1.1 Purpose 7 1.2 Readership 7 1.3 Revision History 7
More informationPRODUCT TERMS AND CONDITIONS FOR CURRENT ACCOUNTS, TERM DEPOSITS AND DEBIT CARDS OF EQUA BANK a.s. (INDIVIDUALS)
Page 1 of 10 PRODUCT TERMS AND CONDITIONS FOR CURRENT ACCOUNTS, TERM DEPOSITS AND DEBIT CARDS OF EQUA BANK a.s. (INDIVIDUALS) 1. INTRODUCTORY PROVISIONS 1.1. The Product Terms and Conditions for Current
More informationAccount means your designated account with ANZ through which Card Transactions are settled.
ANZ VISA DEBIT CARD TERMS AND CONDITIONS DEFINITION Account means your designated account with ANZ through which Card Transactions are settled. Account Holder means the person or persons in whose name
More informationGeneral agreement terms and conditions 1 (9) governing services with access codes
General agreement terms and conditions 1 (9) 1. General Services with access codes include: services provided by Nordea Bank AB (publ), Finnish Branch (hereinafter the Bank ) and by other service providers
More informationSEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES
Doc: EPC130-08 30 November 2012 (Version 7.0 Approved) EPC SEPA CORE DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets out the rules for
More informationTERMS AND CONDITIONS for the Payment System of Expobank CZ a.s.
TERMS AND CONDITIONS for the Payment System of Expobank CZ a.s. This document is strictly an informative translation of the original Terms and conditions for the Payment System of Expobank CZ a.s. In the
More informationBULBANK ONLINE ELECTRONIC BANKING SERVICE GENERAL TERMS AND CONDITIONS
BULBANK ONLINE ELECTRONIC BANKING SERVICE GENERAL TERMS AND CONDITIONS I. SUBJECT OF THE SERVICE 1. Through the BULBANK ONLINE electronic banking service, UNICREDIT BULBANK AD (hereinafter referred to
More informationBBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT
BBVA Compass VISA BUSINESS CARD MASTER AGREEMENT & SECURITY AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Visa Business Card Master Agreement (the "Agreement")
More informationAdministration and Department Credit Card Policy
Administration and Department Credit Card Policy Updated February 29, 2016 CONTENTS Purpose PCI DSS Scope/Applicability Authority Securing Credit Card Data Policy Glossary Page 2 of 5 PURPOSE As a department
More informationBSP CORPORATE MASTERCARD. Terms and Conditions
BSP CORPORATE MASTERCARD Terms and Conditions 2 BSP CORPORATE MASTERCARD CONTENTS 1 INTRODUCTION 4 2 DEFINITIONS 4 3 USING THE CARD 6 4 CARD AND PIN 8 5 FEES AND CHARGES 9 6 TRANSACTIONS 10 7 STATEMENT
More informationGENERAL TERMS AND CONDITIONS OF KEEPING
1 GENERAL TERMS AND CONDITIONS OF KEEPING TRANSACTION ACCOUNTS, CONDUCTING PAYMENT SERVICES AND THE AUTHORIZED OVERDRAFT FACILITY (OVERDRAFT LIMIT) FOR CONSUMERS I. Definitions For the purpose of these
More informationGE N E RA L C A RD T E RM S A N D C O N D IT IO N S F O R PRIV A T E C US T O M E R S
GE N E RA L C A RD T E RM S A N D C O N D IT IO N S F O R PRIV A T E C US T O M E R S 1. Scope of application These general card terms and conditions are applied to cards granted by (hereinafter the Bank
More informationACCOUNT MAINTENANCE AND CARD USAGE RULES of AS DNB banka
ACCOUNT MAINTENANCE AND CARD USAGE RULES of AS DNB banka APPROVED Edition of 15.12.2014, by the decision of the Management Board of AS DNB banka dated 15.12. 2014, Effective from 23.02.2015 1. TERMS USED
More informationLondon Stock Exchange Derivatives Market
London Stock Exchange Derivatives Market LSEDM 401 HSVF Market Data Technical Specification (SOLA 9) Issue 9.0.1 16 September 2016 Contents 2.0 Introduction 6 7.1 Message Type F: Option Quote 22 7.2 Message
More informationGuide to the Domestic Securities Investment Registration and Settlement Business of Qualified Foreign Institutional Investors
Guide to the Domestic Securities Investment Registration and Settlement Business of Qualified Foreign Institutional Investors China Securities Depository and Clearing Corp. Ltd. Shanghai Branch 1 Contents
More informationRESOLUTION 7/2015 OF THE MANAGEMENT BOARD OF NARODOWY BANK POLSKI. of 12 March 2015
RESOLUTION 7/2015 OF THE MANAGEMENT BOARD OF NARODOWY BANK POLSKI of 12 March 2015 concerning the introduction of the "Regulations on operating accounts and deposit accounts for Treasury bills and NBP
More informationOrdinance on Collective Investment Schemes
English is not an official language of the Swiss Confederation. This translation is provided for information purposes only and has no legal force. Ordinance on Collective Investment Schemes (Collective
More informationAS SEB Pank. Terms and conditions of the Internet Bank for private clients. Content. Valid as of
Terms and conditions of the Internet Bank for private clients Valid as of 13.01.2018 Content Definitions 2 General provisions 2 Technical requirements 2 Applied terms and conditions 2 Security requirements
More informationEffective Date: 1 March Corporate MasterCard. Conditions of Use
Effective Date: 1 March 2010 Corporate MasterCard Conditions of Use Corporate MasterCard Card account Conditions of Use St.George Bank This document does not contain all the terms of the agreement applicable
More informationD E C I S I O N On The Conditions And The Manner In Which Authorised Currency Exchange Offices Conduct Currency Exchange Transactions
Pursuant to Article 46, paragraph 5 of the Foreign Exchange Act (Official Gazette 96/2003, 140/2005 and 132/2006) and Article 38, paragraph 3 (l) of the Croatian National Bank Act (Official Gazette 36/2001
More informationC a t a l y s t C o r p o r a t e F e d e r a l C r e d i t U n i o n SHARE DRAFT PROGRAM. Prepared by
C a t a l y s t C o r p o r a t e F e d e r a l C r e d i t U n i o n SHARE DRAFT PROGRAM Prepared by Catalyst Corporate Federal Credit Union (800)442-5763 SHARE DRAFT PROGRAM TABLE OF CONTENTS Introduction
More informationregulating the credit transfers and money remittance;
ACCOUNT MAINTENANCE AND CARD USAGE RULES of AS DNB banka APPROVED Edition of 09.06.2014, by the decision of the Management Board of AS DNB banka dated 09.06. 2014, Effective from 20.08.2014 1. TERMS USED
More informationSEPA BUSINESS-TO-BUSINESS DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES
Doc: EPC131-08 30 November 2012 (Version 5.0 Approved) EPC SEPA BUSINESS-TO-BUSINESS DIRECT DEBIT SCHEME CUSTOMER-TO-BANK IMPLEMENTATION GUIDELINES Abstract Document Reference Issue This document sets
More informationSPUERKEESS
Terms and conditions for the use of payment cards linked to ZEBRA and axxess UNIF accounts and other retail products of Banque et Caisse d'epargne de l'etat, Luxembourg TABLE OF CONTENTS I. TERMS AND CONDITIONS
More informationPART A CONTRACTUAL TERMS
Pricing Supplement dated 22nd July 2015 Real People Kenya Limited Issue of up to KES 2,500,000,000 Fixed and Floating Interest Rate Notes under the KES 5,000,000,000 Medium Term Note Programme PART A CONTRACTUAL
More informationSecurity Rules and Procedures Merchant Edition
Security Rules and Procedures Merchant Edition 14 September 2017 SPME Contents Contents Chapter 1: Customer Obligations... 7 1.1 Compliance with the Standards...8 1.2 Conflict with Law...8 1.3 The Security
More informationCITY OF BEEVILLE REQUEST FOR PROPOSALS BANK DEPOSITORY SERVICES
CITY OF BEEVILLE REQUEST FOR PROPOSALS BANK DEPOSITORY SERVICES Introduction The City of Beeville requests proposals pursuant to Chapter 105, Tex. Loc. Govt. Code from qualified banking institutions to
More informationCOMPOUNDING UNDER FEMA BY CA.SUDHA G. BHUSHAN. INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA 25 th July 2015
COMPOUNDING UNDER FEMA BY CA.SUDHA G. BHUSHAN INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA 25 th July 2015 Scheme of Presentation Brief overview FEMA Enforcement under FEMA Adjudication and Appeal under
More informationUPCOMING SCHEME CHANGES
UPCOMING SCHEME CHANGES MERCHANTS/PARTNERS/ISO COPY Payvision Ref: Payvision-Upcoming Scheme Changes (v1.0)-october 2015 Page 1 Rights of use: COMPLYING WITH ALL APPLICABLE COPYRIGHT LAWS IS THE RESPONSABILITY
More informationBBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT
BBVA Compass SECURED VISA BUSINESS CREDIT CARD AGREEMENT This Agreement should be read carefully and maintained in the Business records. This Secured Visa Business Credit Card Agreement (the "Agreement")
More informationLEGAL ENTITY IDENTIFIER INDIA LIMITED
LEGAL ENTITY IDENTIFIER INDIA LIMITED NOTIFICATION 26 th April, 2017 Notification No: LEIL/2017/02 To, Legal Entities eligible to apply for LEI/Legal Entities holding LEI Dear Sir/Madam, Re: Changes to
More informationPersonal Credit Cards
Client Notice Personal Credit Cards > Changes to pricing > Changes to the cardholder agreement Effective July 17, 2017 At National Bank, our priority is helping you choose solutions geared to your needs
More informationRegulations on Corporate Payment Cards of mbank S.A.
Regulations on Corporate Payment Cards of mbank S.A. Warsaw, October 2016 mbank.pl Table of contents: Chapter I. General Provisions...3 Chapter II. Application for a Card...4 Chapter III. Approval of the
More informationOrder Execution Policy
Order Execution Policy Order Execution Policy September 2018 Introduction AUSPRIME is the tradename of Lttrader Limited (hereinafter the Company, We, Our, Us ), which is registered with the Register of
More informationBUSINESS PROCESSES ON GST REGISTRATION
Content provided by Mr. Vineet Bhatia, Advocate BUSINESS PROCESSES ON GST REGISTRATION This report focuses on the registration process and how to grant the registration on an automated basis, with least
More informationElectronic Cheque Clearing Operating Rules
Electronic Cheque Clearing Operating Rules November 2011 Kathmandu, Nepal TABLE OF CONTENTS TABLE OF CONTENTS DEFINITIONS...5 1. INTRODUCTION...8 2. SSTEM OPERATION...9 2.1 Clearing Session... 9 2.2 Daily
More informationSTANDARD TARIFFS OF PJSC ROSBANK* FOR CLIENTS - LEGAL ENTITIES (NON-CREDIT ORGANIZATIONS) AND INDIVIDUAL ENTREPRENEURS
STANDARD TARIFFS OF PJSC ROSBANK* FOR CLIENTS - LEGAL ENTITIES (NON-CREDIT ORGANIZATIONS) AND INDIVIDUAL ENTREPRENEURS BELONGING TO CORPORATE SEGMENT SERVICED AT HEAD OFFICE AND STRUCTURAL UNITS OF PJSC
More informationConditions for Corporate Dankort Card with corporate liability
Conditions for Corporate Dankort Card with corporate liability Due from September 2010 1 Definitions Corporate Dankort Card with corporate liability Means of payment issued by Nordea Bank Danmark A/S,
More informationT E R M S А N D C O N D I T I O N S
T E R M S А N D C O N D I T I O N S February 2012 www.piraeusbank.bg Terms and Conditions of Piraeus Bank Bulgaria AD 2 / 23 CONTENTS 1. GENERAL PROVISIONS... 3 2. PAYMENTS IN BGN... 3 3. PAYMENTS IN FOREIGN
More informationSTRENGTHENING THE FRAMEWORK OF FINANCIAL STABILITY IN ALGERIA AND NEW PRUDENTIAL MECHANISM
STRENGTHENING THE FRAMEWORK OF FINANCIAL STABILITY IN ALGERIA AND NEW PRUDENTIAL MECHANISM BY Mohammed Laksaci, Governor of the Bank of Algeria Communication at the meeting of the Association of Banks
More informationCentrale Bank van Curaçao en Sint Maarten. Manual International Investment Position Survey. Prepared by: Project group IIP
Centrale Bank van Curaçao en Sint Maarten Manual International Investment Position Survey Prepared by: Project group IIP Augustus 1, 2015 Contents Introduction 4 General reporting and explanatory notes
More information