UNIFIED TARIFFS FOR SERVICES AND TRANSACTIONS FOR PI IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (except card accounts)

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "UNIFIED TARIFFS FOR SERVICES AND TRANSACTIONS FOR PI IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (except card accounts)"

Transcription

1 Approved by he Tariff Commiee Resoluion 6 dd (wih amendmens and supplemens dd ) UNIFIED TARIFFS FOR SERVICES AND TRANSACTIONS FOR PI IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 1 Mainaining curren accouns (excep he card ones) 2 Transfer of PI funds wihou opening an accoun 3 Mainaining deposi accouns 4 Non-rade ransacions 5 Tariffs for leasing ou individual safe deposi boxes 6 Credi ransacions 7 Transfer of funds using money ransfer sysems 8 For he employees of PJSC "CREDIT AGRICOLE BANK"

2 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 1. Mainaining curren accouns (including invesmen excep he card ones) 1.1 Opening a curren accoun for privae individuals* UAH 50 for one accoun Mainaining a curren accoun in naional currency opened for accruing parial reimbursemen of ineres rae on loans o young families and young single ciizens for consrucion (reconsrucion) and purchase of housing UAH 10 monhly 1.2 Enry of funds o he curren accoun of a privae individual when non-cash amoun in naional and foreign currency is enered o he accoun - when accoun holder replenishes an accoun by cash in naional currency - when he hird pary (excep persons who have he righ o manage an accoun under he power of aorney) replenishes an accoun by cash in naional currency Cash wihdrawal from he curren accoun of a privae individual in naional and foreign currency: - when funds are enered in non-cash form o he naional currency accoun 1 up o 20000,00-1%, from 20000,01 o 50000,00-0,7%, from 50000,01 and more - 0,5% up o 20000,00-1%, from 20000,01 o 50000,00-0,7%, from 50000,01 and more - 0,5% up o 5000,00-1%, from 5000,01 - when funds are enered in non-cash form o he USD and EUR accoun 1, 3 o 10000,00-0,7%, from 10000,01 and more - 0,5% when funds are enered in non-cash form o he GBP accoun 1, 2, 3 o 10000,00-0,7%, from 10000,01 up o 5000,00-1%, from 5000,01 and more - 0,5% UAH 10 UAH 10 1USD/EUR (according o he NBU rae as of he day of ransacion) 1GBP (according o he NBU rae as of he day of ransacion) when funds are eneered in non-cash form o he accoun in oher foreign currencies 1, 3 up o ,00-2%, from ,01 and more - 1% UAH when cash is enered o he accoun 1.4 Closing curren accoun of privae individuals 1.5 Managing curren accoun in erms of graning he righ o manage curren accoun o oher privae individual a he Bank Issue of curren accoun cash flow saemen (excep copies) Issue of cerificaes, cash flow saemens, copies of cash desk or selemen documens a reques of PI cusomers (using he Bank form) Issue of cerificaes, cash flow saemens, copies of cash desk or selemen documens a reques of PI cusomers (for ransacions wih a period exceeding 1 year), cerificaes using he Cusomer's form Transfer of funds from he curren accoun in naional currency a he 1.7 cusomer's reques: ransfers o he accouns of privae individuals or legal eniies opened wih oher Ukraininan banks UAH 75 UAH ransfers o he accouns opened wih PJSC "CREDIT AGRICOLE BANK" 0.3% received credi funds o he accouns of legal eniies, privae individuals and privae enrepreneurs (wihin he framework of effecive lending programs a PJSC "CREDIT AGRICOLE BANK") - o he personal curren, deposi and card accouns opened wih eniies of PJSC "CREDIT AGRICOLE BANK" - o he cusomers' loan accouns for he personal indebedness opened wih PJSC "CREDIT AGRICOLE BANK" Making regular paymens from he curren accoun in naional currency accoring o he cusomer's insrucions: - ransfers o he accouns of privae individuals or legal eniies opened wih oher Ukrainian Banks 0.8% ransfers o he accouns opened wih PJSC "CREDIT AGRICOLE BANK" 0.2% o personal curren, deposi and card accouns opened wih eniies of PJSC "CREDIT AGRICOLE BANK" Transfer of funds from he curren accoun in foreign currency a he cusomer's reques: - o accouns of privae individuals or legal eniies opened wih PJSC "CREDIT AGRICOLE BANK" 0.4% 0.5% UAH 1, max UAH of he amoun, 1000 min UAH 10, max UAH 250 UAH 5, max UAH of he amoun, 1000 min UAH 5, max UAH 250 of he ransfer amoun, mіn 10 USD, mах 200 USD (according o he NBU rae as of he day of ransacion) o accouns of privae individuals or legal eniies opened wih oher banks (wih OUR/SHA/BEN ype commission) 0.6% of he ransfer amoun, mіn 30 USD, maх 200 USD (according o he NBU rae as of he day of ransacion) - o personal curren, deposi and card accouns opened wih eniies of PJSC "CREDIT AGRICOLE BANK" o he cusomers' loan accouns for he personal indebedness opened wih PJSC "CREDIT AGRICOLE BANK" Invesigaion, change/clarificaion of paymen condiions for he ransfers performed from he curren accoun: in naional currency UAH 50 for every reques in foreign currency of he 1 group of he NBU foreign currency classificaor in Russian rubles RUB Servicing unacive accouns (accoun 2903) NOTES: $50, bu no more han he acual balance for every reques in hryvnias using he NBU rae as of he dae of reques for every submission reques in hryvnies using he NBU rae as of he dae of reques submission 1 per year * he ariff is no applied, if curren and deposi accouns are opened for he privae individual on he same day in he same bank eniy and when opening a curren accoun for sending/paying ou PI money ransfers using Wesern Union, MoneyGram, Unisream, Express ransfers money ransfer sysems using PJSC "CREDIT AGRICOLE BANK" sysem 1 he abovemenioned ariff does no apply o: -- ransacions which he Bank performs a reques and for he benefi of he cusomer (accrual of funds received from he FX sale and purchase on he inerbank currency marke of Ukraine, receiving a loan a PJSC "CREDIT AGRICOLE BANK" by is enry in non-cash form o he curren accoun of a privae individual); - ineres and deposi amoun accrued afer he end of bank deposi agreemen validiy period; - deposi amoun indicaed in cl hereof -amoun of funds from he Savings on demand deposi, which was deposied in cash or ransferred in non-cash form from he personal curren accoun o which he funds were enered in cash and/or in form of receips, indicaed in his reference; - amoun of pensions and social assisance received from eniies of Pension Fund of Ukraine and Labour and Social Securiy Auhoriies; - funds enered from he curren accoun of PI borrower in line wih agreemen for he sale and purchase of movable/immovable propery (wihin he framework of acive lending programs of PJSC "CREDIT AGRICOLE BANK") 2 he ariff applies solely o he Kyiv region (Kyiv ciy and Kyiv region) 3 he ariff is no applied when disbursing funds which were received o he accoun from he Cusomer's personal card accoun opened wih PJSC "CREDIT AGRICOLE BANK" in he same (wih amendmens and supplemens dd )

3 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 2. Transfer of PI funds wihou opening an accoun Acceping cash paymens in naional currency from privae individuals for he benefi of legal eniies and privae individuals (is paid by he payer, privae individual): - if paymen accepance agreemen provides for receipien paying for he bank services and does no provide for prohibiion o wihhold commission from he payer - if condiions of he agreemen wih legal eniy provide for he recepien paying for he bank services and/or provide for prohibiion o wihhold commission from he payer - wihou an agreemen concluded wih a funds recepien (or in line wih condiions of concluded agreemens) or if condiions of he agreemen wih legal eniy do no provide for he paymen from he person receiving he bank services ¹ UAH 10 for one paymen up o 10000,00-1%, from 10000,01 o 50000,00-0,8%, from 50000,01 and more - 0,5% (wih amendmens and supplemens dd ) of he paymen amoun (min UAH 10, max UAH per one paymen documen) 2.2 Transfer of funds wihou opening an accoun in foreign currency ouside Ukraine: wih OUR ype commission wih SHA/BEN ype commission Transfer of funds wihou opening an accoun o he cusomers' loan accouns for heir personal indebendess opened wih PJSC "CREDIT AGRICOLE BANK" in naional and foreign currency Disbursemen of cash under non-rade ransacions wihou is enry o he curren accoun in naional and foreign currency (excep ransfers, indicaed in cl. 7.15) 1% of he amoun, mіn 30, mах 300 USD (according o he NBU rae as of he dae of ransacion) USD 20, max USD 300 (according o he NBU rae as of he dae of ransacion) 0.70% UAH Invesigaion, change/clarificaion of paymen condiions regarding performed ransfers in naional currency UAH 50 for every reques in foreign currency of he 1 group of NBU foreign currency classificaor $ in Russian rubles RUB 500 ¹ ariff is no applied when enering funds for repaymen of PI loans for every reques in UAH a he NBU rae as of he dae of reques submission for every reques in UAH a he NBU rae as of he dae of reques submission (wih amendmens and supplemens dd )

4 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 3. Mainaining deposi accouns 3.1 Opening a deposi accoun for privae individual is no charged 3.2 Enering deposi amoun and replenishmen of PI deposi accouns is no charged Cash replenishmen of Savings Deposi by he hird paries (no by accoun holders) 0,5%, min UAH 10 of he amoun 3.3 Cash disbursemen from deposi accouns is no charged Disbursemen of cash (received in non-cash form)* from Savings deposi a reques of a privae individual Transfer of funds from deposi accouns including o he deposior's curren accoun Provision of cash flow saemen under deposi accoun in erms of performed ransacions (excep copies) Issue of cerificaes, copy of he agreemen, cash desk or selemen documens a reques of he cusomers, privae individuals (using he Bank form) Issue of cerificaes, copy of he agreemen, cash desk or selemen documens a reques of he cusomers, privae individuals (for ransacions wih a period of limiaions exceeding 1 year) cerificaes using he Cusomer's form Managing deposi accoun in erms of graning he righ o manage deposi accoun o anoher privae individual a he Bank 0,5% min UAH 8 of he amoun is no charged is no charged UAH 75 UAH 200 *he abovemenioned ariff does no apply o: - funds amoun from he Savings deposi which was deposied in cash; - ransferred in non-cash form from he personal curren accoun, o which he funds were enered in cash and/or in form of receips indicaed in reference 1 o Secion 1 of Unified ariffs; - ransferred in non-cash form from he personal card accoun in frame of projec "Salary&Credi" (wih amendmens and supplemens dd )

5 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 4. Non-rade ransacions 4.1. Conversion of foreign currency cash, which belongs o he 1s group of he NBU foreign currency classificaor 2.00% 10 USD (is paid in UAH according o he NBU rae as of he dae of ransacion) 4.2. Conversion of non-cash foreign currency on he Inerbank currency marke of Ukraine a he cusomer's reques 0.20% of he amoun which should be purchased/sold, min USD 5 (is paid in UAH according o he NBU rae as of he dae of ransacion) 4.3. Purchase of non-cash foreign currency on he Inerbank currency marke of Ukraine a he cusomer's reques 0.50% of he amoun which should be purchased, min USD 5 (is paid in UAH according o he NBU rae as of he dae of ransacion) 4.4. Sale of non-cash foreign currency on he Inerbank currency marke of Ukraine a he cusomer's reques 0.30% of he currency amoun which should be sold (is paid in UAH according o he selling rae as of he dae of ransacion) 4.5. Purchase of non-cash foreign currency on he Inerbank currency marke of Ukraine for he repaymen of deb under loans received in foreign currency by he borrowers (privae individuals) a PJSC "CREDIT AGRICOLE BANK" 4.6. Acceping worn ou bills which los main currency feaures for he exchange by he paymen currency* 10.0% of he amoun 4.7. Change of foreign currency bills ino oher denominaions 1.00% USD/EUR/GBP 2 (is paid in UAH according o he NBU rae as of he dae of ransacion) 4.8. Recalculaion of bills wih verificaion of heir paying abiliy (a cusomer's reques) 0.5% min 10 UAH of he amoun * in USD and EUR (wih amendmens and supplemens dd )

6 UNIFIED TARIFFS FOR SERVICES AND TRANSACTIONS FOR PI IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) 5.1 for he eniies of PJSC "CREDIT AGRICOLE BANK" in Kyiv Secion 5. Tariffs for leasing ou individual safe deposi boxes 1,2 size 15х30х45 20х30х45 Lease period Discoun size 10х30х45 size 9х53х39,5 6х30х45 7.5х30х45 25х30х45 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH 600,00 size 17х53х39,5 Lease period Discoun 6х30х40 7.5х30х40 size 10х30х40 size 15х30х40 20х30х40 25х30х40 size 33.5х43х7.5 size 33.5х43х х43х20 size 33.5х43х30 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH Lease period Discoun size size size 5 size 8.5х19.5х37 size 15х33.5х43 6.1х28.4х х28.4х х28.4х х28.4х х19.5х37 6х19.5х х19.5х37 х33.5х43 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH for oher eniies of PJSC "CREDIT AGRICOLE BANK" (excep oules in Kharkiv ciy) Lease period Discoun 5.0х32.5х40 7.5х32.5х40 size 10х32.5х40 size 15х32.5х40 20х32.5х40 9х40х70.5 size 30х32.5х40 size 36х19х18 18х40х45 size 45х65х15 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH Lease period Discoun 7.5х22х32 10х22х32 size 15х22х32 size 20х22х32 30х22х32 8.4х55х32 size 13х55х43 size 14.6х55х32 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH Lease period Discoun 7.5х30х45 10х30х45 size 20х30х45 size 25х30х45 6.0х25х35 8.5х25х35 size 18.5х25х35 size 28.5х25х35 40x32.5х37 30 days 0% from 31 o 90 10% from 91 o % from 181 o % from 271 o % key deposi - UAH for oher eniies of PJSC "CREDIT AGRICOLE BANK" in Kharkiv Сума плати за 1 день, з ПДВ (грн) Строк оренди (днів) size 5,0*33,5*43,0 7,5*33,5*43,0 size 10,0*33,5*43,0 size 15,0*33,5*43,0 20,0*33,5*43,0 30,0*33,5*43,0 30 днів від 31 до від 91 до більше 180 днів key deposi - UAH Minimum lease period - 30 days. Maximum lease or prolongaion period days. 5.6 If he cusomer does no come afer he end of he Agreemen on leasing ou individual safe deposi boxes of PJSC "CREDIT AGRICOLE BANK validiy period a penaly is charged in amoun of a double lease paymen (of he iniial cos) for every pas due day. 5.7 Paymen for using a safe deposi box is made on he day of he lese agreemen conclusion for he whole period of is validiy. 1. Leasing ou individual safe deposi boxes is available only for cardholders of Visa / MC Gold wihin any banking card produc. 2. If he Visa / MC Gold card wihin he banking produc 'Basic card " is bough along wih individual safe deposi boxes lease he special price for Visa / MC Gold card is applied - UAH 600 (wo years of service). Issuing Visa / MC Gold wihin oher banking card producs is made according o sandard ariffs.

7 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 6. Credi ransacions 6.1 Opening a loan accoun for privae individuals 6.2 Operaions in he Sae Regiser of Encumbrances over movable propery: Enering / excluding record o / from he Sae Regiser of Encumbrances over he Movable Propery and receiving he exrac on enering / excluding he record Providing exrac from he Sae Regiser of Encumbrances over he movable propery Amending he Sae Regiser of Encumbrances over he Movable Propery UAH Reviewing cusomer's applicaion proposing o amend condiions of effecive agreemens 6.4 Drawing up a copy of a loan agreemen and / or surey agreemen a he cusomer's iniiaive 6.5 Reviewing cusomer's applicaion proposing o amend condiions of effecive collaeral agreemens З 6.6 Providing cerificaes: on absence of deb under he loan accouns (once afer he loan is compleely repaid) on absence of deb under he loan accouns or is siuaion (if any) (using he Bank form) - on absence of deb under he loan accouns or is siuaion (if any) (using he Cusomer's form) UAH 200 UAH 250 UAH on he deb siuaion under he loan accouns wihin he period ill UAH Servicing loan deb under Svoboda cash loan wih a period of up o 24 monhs* ¹ 2.30% monhly, of iniial loan amoun 6.8 Servicing loan deb under Svoboda cash loan wih a period from 24 o 48 monhs* ¹ 2.30% monhly, of iniial loan amoun 6.9 Servicing loan deb under he produc (AUTO, projec - 1)* ¹ 0.1% monhly, of acual loan deb balance 6.10 Servicing loan deb under he loan produc (AUTO, projec 92)* ¹ 0.1% monhly, of iniial loan amoun 6.11 Performing a ransacion on car loan disbursemen o privae individual 3.0% Performing a ransacion on loan disbursemen o privae individual for he 6.12 purchase of housing: For general lis of cusomers 2.50% For privae individuals who receive salary or income from enrepreneurial aciviy o he curren or card accoun opened wih PJSC "CREDIT AGRICOLE BANK" 1.00% and cusomers, who are holders of VIP package For privae individuals who will receive loan for he purchase of housing from he % JSC HC "Kyivmiskbud" company For ransacion of consumer loan (secured by real esae) disbursemen o 6.13 privae individual For general lis of cusomers 2.50% For privae individuals who receive salary or income from enrepreneurial aciviy o he curren or card accoun opened wih PJSC "CREDIT AGRICOLE BANK" 1.20% and cusomers holding VIP package. For ransacion of loan disbursemen o privae individual for he purchase of he % used vehicle Drawing up a paymen documen when repaying loan ousanding which 6.15 was received in cash (for agreemens concluded before )* Receiving informaion from he Sae regiser of iles o real esae (from 6.16 he Unified regiser of prohibiion on real esae alienaion) in erms of car loans. Reimbursemen of expenses on loan managemen in erms of repeaed 6.17 review of loan applicaion a he cusomer's iniiaive Bank services relaed o operaions in sae Regiser of iles o real esae 6.18 regarding loans for he purchase of housing / for consumer needs secured by real esae, including: Receiving informaion from he Sae regiser of iles o real esae (from he Unified regiser of prohibiion on real esae alienaion); Sae regisraion of encumbrances over immovable propery Sae regisraion of morgage; Sae regisraion of erminaion of encumbrances over immovable propery Sae regisraion of morgage erminaion ; Receiving exracs on regisraion of encumbrances / on regisraion of morgage; Receiving exracs on regisraion of erminaion of encumbrances / regisraion of morgage erminaion. Bank services of making amendmens o he Sae regiser of iles o real 6.19 esae, including correcion of echnical misake which did no occur due o he regisrar's (of iles o real esae) faul Bank services relaed o erminaion of encumbrances over real esae when loans, which were graned before for he purchase of 6.20 housing / consumer needs (secured by real esae), are compleely repaid, including: Sae regisraion of erminaion of encumbrances over he real esae Sae regisraion of morgage erminaion Receiving exracs on regisraion of erminaion of encumbrances / morgage UAH 3 разова, від початкової суми кредиту, стягується на момент отримання кредиту single-ime, of iniial loan amoun which is colleced as of he momen of loan disbursemen single ime of iniial loan amoun which is colleced as of for performed ransacion UAH 150 for one exrac UAH 150 UAH 940,00 UAH 70,00 UAH 450,00 single-ime, of iniial loan amoun which is colleced as of he momen of loan disbursemen Reviewing applicaion proposing o amend ypical sandard forms 6.21 (emplaes) of he Bank agreemens a he Cusomer's reques and iniiaive UAH 500 * in line wih loan agreemen condiions відповідно до умов кредитного договору ¹ - includes: deb monioring which means elecronic informing (reminder) on monhly paymens on loan and ineres, informing cusomer on occcurence of pas due deb, consuling cusomer (including documenary one) regarding deb repaymen, imeliness of paymens, ec. (wih amendmens and supplemens dd )

8 UNIFIED TARIFFS FOR PI SERVICES AND TRANSACTIONS IN NATIONAL AND FOREIGN CURRENCY AT PJSC "CREDIT AGRICOLE BANK" (excep card accouns) Secion 7. Transfer of PI funds using money ransfer sysems (wihou opening an accoun and from he curren accoun) (excep special offers) 7.1. "Express ransfer" of money in naional currency via PJSC "CREDIT AGRICOLE BANK" sysem % % and more 0.8% min UAH Transfer of funds in naional currency via Wesern Union sysem wihin Ukraine: - UAH до 100, UAH -,01-200,00 15 UAH - UAH 200,01-300,00 19 UAH - UAH 300,01-400,00 22 UAH - UAH 400,01-500,00 25 UAH - UAH 500,01-600,00 28 UAH - UAH 600,01-800,00 34 UAH - UAH 800, ,00 40 UAH - 0, ,00 45 UAH - UAH 2000, ,00 55 UAH - UAH 3000, ,00 70 UAH - UAH 4000, ,00 75 UAH - UAH 5000, ,00 90 UAH - UAH 6000, , UAH - UAH 7000, , UAH - UAH 8000, , UAH over 00 in every following inerval of 0 UAH 10 are added o he paymen for making a ransfer 7.3. Transfer of money in USD via Wesern Union sysem from Ukraine o CIS counries*: - USD 0,01-200,00 $ 3,0 - USD 200, ,00 1,7% - USD 2 000, ,00 1,3% - USD 3 000,01 та більше 1,0% 7.4. "12 hour" ariff** from Wesern Union for sending money ransfers in USD o CIS counries (excep Turkmenisan)* USD 0,01-200,00 $ 2,0 - USD 200,01-300,00 1,0% - USD 300, ,00 0,5% Money ransfer via Wesern Union sysem in USD from Ukraine o oher counries: - USD 0,01-50,00 $13 - USD 50,01-100,00 $15 - USD 100,01-200,00 $22 - USD 200,01-300,00 $29 - USD 300,01-400,00 $34 - USD 400,01-500,00 $40 - USD 500,01-750,00 $45 - USD 750, ,00 $50 - USD 1000, ,00 $76 - USD 1500, ,00 $81 - USD 1750, ,00 $91 - USD 2000, ,00 $111 - USD 2500, ,00 $121 - USD 3000, ,00 $141 - USD 3500, ,00 $161 - USD 4000, ,00 $181 - USD 4500, ,00 $201 Over USD 5000 in every following inerval of USD 500 USD 20 are added o he paymen for sending ransfer Money ransfer via Wesern Union sysem in EUR from Ukraine o EU counries [3]: - EUR 0,01-50, EUR 50,01-100, EUR 100,01-200, EUR 200,01-300, EUR 300,01-400, EUR 400,01-500, EUR 500,01-750, EUR 750, , EUR 1000, , EUR 1500, , EUR 1750, , EUR 2000, , EUR 2500, , Over EUR 3000 in every following inerval of EUR 500 EUR 20 are added o he paymen for sending ransfer Money ransfer via Wesern Union sysem in Russian rubles from Ukraine o Russia: sending express ransfer - RUB 0, ,00 RUB RUB 5 000, ,00 RUB 1.7% - RUB , ,00 RUB 1.3% - RUB ,01 and more RUB 1.0% "12 hours" service (maximum ransfer amoun which may be sen using "12 hours" service - RUB ) - RUB 0, ,00 RUB RUB 5 000, ,00 RUB 1.0% - RUB , ,00 RUB 0.5% Money ransfer via "Unisream" sysem in USD, EUR, RUB Money ransfer via "Unisream" sysem in USD, EUR, RUB o CIS counries, Georgia To Russia, Belarus, Georgia, Armenia, Kazakhsan, Kyrgyzsan, Tajikisan To Russia, Belarus, Georgia, Armenia, Kazakhsan, Kyrgyzsan, Tajikisan From EUR/USD/from RUB - 1.0% of he ransfer amoun Up o USD/EUR and up o RUB inclusively - 1.5% of he ransfer amoun To Moldova Up o USD/EUR and up o RUB inclusively - 1.5% of he ransfer amoun. From USD/EUR and from RUB - 1.3% of he paymen amoun To Uzbekisan To "Unisream" Commercial Bank JSC (Russia) Up o USD/EUR - 1.5% of he ransfer amoun. From USD/EUR % of he ransfer amoun Up o USD USD/EUR and up o RUB inclusively - 1.5% of he ransfer amoun.

9 To "Unisream" Commercial Bank JSC (Russia) from USD 3 000,00 доларів - USD 30. From EUR 3 000,00-1,0% of he ransfer amoun. From RUB ,00 RUB To JSC Kor Sandard Bank (Georgia) To JSC Kor Sandard Bank (Georgia) Up o USD/EUR and up o ,99 RUB inclusively - 1% of he ransfer amoun From USD/EUR and from RUB - 0.7% of he ransfer amoun Money ransfers via "Unisream" sysem in USD, EUR, RUB o he counries which are no former Sovie Union counries depending on he ransfer desinaion from 1,3% o 2,3% Money ransfer vis "Unisream" sysem in USD, RUB (bi-currency ransfers wihou address) Transfer of RUB wih a paymen in USD 0,1% of he ransfer amoun Transfer of USD wih a paymen in RUB [1] 0,1% of he ransfer amoun Money ransfer via MoneyGram sysem in EUR from Ukraine o Russia EUR 0,01-250, EUR 250, , % Money ransfer via MoneyGram sysem in EUR from Ukraine o CIS counries (excep Russia), Israel, Balic counries*** of he ransfer amoun 2.5% minimum 2.5 Money ransfer via MoneyGram sysem in EUR from Ukraine o oher counries [2] - EUR 0,01-50, EUR 50,01-100, EUR 100,01-200, EUR 200,01-300, EUR 300,01-400, EUR 400,01-500, EUR 500,01-700, EUR 700, , EUR 1000, , EUR 1500, , EUR 1750, , EUR 2000, , EUR 2500, , EUR 3000, , EUR 3500, , EUR 4000, , EUR 4500, , EUR 5000, , EUR 5500, , EUR 6000, , EUR 6500, , Money ransfer via MoneyGram sysem in EUR from Ukraine o Hong Kong EUR 0, , EUR 1 000, ,00 0,1% Money ransfer via MoneyGram sysem in USD from Ukraine o Russia USD 0,01-250,00 $ USD 250, ,00 1% Money ransfer via MoneyGram sysem in USD from Ukraine o CIS counries (excep Russia), Israel, Balic counries*** Of he ransfer amoun 2.5% minimum $ Money ransfer via MoneyGram sysem in USD from Ukraine o oher counries - USD 0,01-50,00 $9 - USD 50,01-100,00 $11 - USD 100,01-200,00 $18 - USD 200,01-300,00 $23 - USD 300,01-400,00 $29 - USD 400,01-500,00 $35 - USD 500,01-700,00 $39 - USD 700, ,00 $45 - USD 1000, ,00 $65 - USD 1500, ,00 $72 - USD 1750, ,00 $79 - USD 2000, ,00 $95 - USD 2500, ,00 $99 - USD 3000, ,00 $120 - USD 3500, ,00 $140 - USD 4000, ,00 $160 - USD 4500, ,00 $180 - USD 5000, ,00 $195 - USD 5500, ,00 $215 - USD 6000, ,00 $235 - USD 6500, ,00 $255 - USD 7000, ,00 $275 - USD 7500, ,00 $275 - USD 8000, ,00 $310 - USD 8500, ,00 $330 - USD 9000, ,00 $350 Money ransfer via MoneyGram sysem in USD from Ukraine o Hong Kong USD 0, ,00 $ USD 1000, ,00 0,1% Disbursemen of funds under he money ransfers via "Wesern Union", Unisream, MoneyGram via "Express-ransfers" sysem of PJSC "CREDIT AGRICOLE BANK" [1] excep Uzbekisan * Azerbaijan, Belarus, Armenia, Georgia, Kazakhsan, Kyrgyzsan, Moldova, Russia, Tajikisan, Turkmenisan, Uzbekisan **Money ransfer may be paid ou afer 12 hours since he ime when i was sen *** Israel; CIS counries: Belarus, Armenia, Georgia, Kazakhsan, Kyrgyzsan, Moldova, Russia, Tajikisan, Uzbekisan. Balic counries: Esonia, Lavia, Lihuania.

10 [2]Addiional services (fee in USD, is paid in naional currency): - Check delivery o he recipien: Dominican Republic ,00 Philippines ,00 Ecuador ,00 Oher counries where his service is rendered ,00 - Informing via elegraph / elephone: Vienam ,00 Oher counries where his service is rendered, ,00 Noificaion for free [3] Ausria, Belgium, Cyprus, Esonia, Finland, France, Germany, Ireland, Luxembourg, Mala, Neherlands, Republic of Slovakia, Slovenia, Ialy, Spain, Porugal, Greece, Lavia Addiional services (fees in EUR, are paid in naional currency): - Delivery o he recipien: Informing via phone: Noificaion:

Information for bank customers on terms and conditions of transfers via international money transfer systems:

Information for bank customers on terms and conditions of transfers via international money transfer systems: Information for bank customers on terms and conditions of transfers via international money transfer systems: 1 AVERS international money transfer system within Ukraine (USD, UAH): 0.8% of the transferred

More information

Double Entry System of Accounting

Double Entry System of Accounting CHAPTER 2 Double Enry Sysem of Accouning Sysem of Accouning \ The following are he main sysem of accouning for recording he business ransacions: (a) Cash Sysem of Accouning. (b) Mercanile or Accrual Sysem

More information

FINANCIAL AID. The law suspends aid eligibility for students convicted under federal or state law of sale or possession

FINANCIAL AID. The law suspends aid eligibility for students convicted under federal or state law of sale or possession FINANCIAL AID The mission of he Office of Financial Aid and Scholarships is o assis sudens in obaining funds o achieve heir educaional poenial. The universiy provides assisance o sudens hrough hree basic

More information

European Commission - Energy Policy

European Commission - Energy Policy In naional currency Euro-super 95 Gas oil auomobile Auomoive gas oil Dieselkrafsoff Gasoil de chauffage Heaing gas oil Heizöl (II) Soufre

More information

European Commission - Energy Policy

European Commission - Energy Policy In naional currency Euro-super 95 Gas oil auomobile Auomoive gas oil Dieselkrafsoff Gas oil de chauffage Heaing gas oil Heizöl (II) Bulgaria (BGN) 1,373.33 1,479.70 1,276.00 Soufre

More information

LOC # BLD # STREET, CITY, COUNTY, STATE, ZIP+4 CITY LIMITS INTEREST YR BUILT PART OCCUPIED OUTSIDE TENANT

LOC # BLD # STREET, CITY, COUNTY, STATE, ZIP+4 CITY LIMITS INTEREST YR BUILT PART OCCUPIED OUTSIDE TENANT M COMMERCIAL INSURANCE APPAION APPAN INFORMAION SECION AGENCY NAIC CODE: UNDERWRIER FAX (A/C, No.): POIES OR PROGRAM REQUESED POY NUMBER UNDERWRIER OFF. CODE: AGENCY CUSOMER ID: SAUS OF RANSACION SUB CODE:

More information

Impact of scripless trading on business practices of Sub-brokers.

Impact of scripless trading on business practices of Sub-brokers. Impac of scripless rading on business pracices of Sub-brokers. For furher deails, please conac: Mr. T. Koshy Vice Presiden Naional Securiies Deposiory Ld. Tradeworld, 5 h Floor, Kamala Mills Compound,

More information

European Commission - Energy Policy

European Commission - Energy Policy In naional currency Euro-super 95 Gas oil auomobile Auomoive gas oil Dieselkrafsoff Gas oil de chauffage Heaing gas oil Heizöl (II) Bulgaria (BGN) 1,033.33 1,115.00 939.00 Soufre

More information

WORLD INTELLECTUAL PROPERTY ORGANIZATION UNITED INTERNATIONAL BUREAUX FOR THE PROTECTION OF INTELLECTUAL PROPERTY GENEVA

WORLD INTELLECTUAL PROPERTY ORGANIZATION UNITED INTERNATIONAL BUREAUX FOR THE PROTECTION OF INTELLECTUAL PROPERTY GENEVA WIPO MM I A (Exr.) /Ill/ 4 MM I CDIR (Exr.)/111/ 4 ORIGINAL: French DATE: November 30, 1972 WORLD INTELLECTUAL PROPERTY ORGANIZATION UNITED INTERNATIONAL BUREAUX FOR THE PROTECTION OF INTELLECTUAL PROPERTY

More information

What is a swap? A swap is a contract between two counter-parties who agree to exchange a stream of payments over an agreed period of several years.

What is a swap? A swap is a contract between two counter-parties who agree to exchange a stream of payments over an agreed period of several years. Currency swaps Wha is a swap? A swap is a conrac beween wo couner-paries who agree o exchange a sream of paymens over an agreed period of several years. Types of swap equiy swaps (or equiy-index-linked

More information

Diagnostic Examination

Diagnostic Examination Diagnosic Examinaion TOPIC XV: ENGINEERING ECONOMICS TIME LIMIT: 45 MINUTES 1. Approximaely how many years will i ake o double an invesmen a a 6% effecive annual rae? (A) 10 yr (B) 12 yr (C) 15 yr (D)

More information

The Grantor Retained Annuity Trust (GRAT)

The Grantor Retained Annuity Trust (GRAT) WEALTH ADVISORY Esae Planning Sraegies for closely-held, family businesses The Granor Reained Annuiy Trus (GRAT) An efficien wealh ransfer sraegy, paricularly in a low ineres rae environmen Family business

More information

Markit Excess Return Credit Indices Guide for price based indices

Markit Excess Return Credit Indices Guide for price based indices Marki Excess Reurn Credi Indices Guide for price based indices Sepember 2011 Marki Excess Reurn Credi Indices Guide for price based indices Conens Inroducion...3 Index Calculaion Mehodology...4 Semi-annual

More information

The Interest Rate Risk of Mortgage Loan Portfolio of Banks

The Interest Rate Risk of Mortgage Loan Portfolio of Banks The Ineres Rae Risk of Morgage Loan Porfolio of Banks A Case Sudy of he Hong Kong Marke Jim Wong Hong Kong Moneary Auhoriy Paper presened a he Exper Forum on Advanced Techniques on Sress Tesing: Applicaions

More information

LEASING VERSUSBUYING

LEASING VERSUSBUYING LEASNG VERSUSBUYNG Conribued by James D. Blum and LeRoy D. Brooks Assisan Professors of Business Adminisraion Deparmen of Business Adminisraion Universiy of Delaware Newark, Delaware The auhors discuss

More information

Société Générale is here to help you (1)

Société Générale is here to help you (1) Sociéé Générale EXECUTIVE RELOCATIONS PARTNERSHIP MOVING TO FRANCE? Sociéé Générale is here o help you (1) offer valid unil 02/29/2012 offer valid unil 02/29/2012 offer valid unil 02/29/2012 Sociéé Générale

More information

Grant Application Format

Grant Application Format Gran Applicaion Forma Organizaions applying for Gran are requesed o submi his applicaion along wih he projec proposal o: The Program Manager Coca-Cola India Foundaion Enkay Towers, Udyog Vihar Phase V

More information

Developing Equity Release Markets: Risk Analysis for Reverse Mortgage and Home Reversion

Developing Equity Release Markets: Risk Analysis for Reverse Mortgage and Home Reversion Developing Equiy Release Markes: Risk Analysis for Reverse Morgage and Home Reversion Daniel Alai, Hua Chen, Daniel Cho, Kaja Hanewald, Michael Sherris Developing he Equiy Release Markes 8 h Inernaional

More information

MSCI Index Calculation Methodology

MSCI Index Calculation Methodology Index Mehodology MSCI Index Calculaion Mehodology Index Calculaion Mehodology for he MSCI Equiy Indices Index Mehodology MSCI Index Calculaion Mehodology Conens Conens... 2 Inroducion... 5 MSCI Equiy Indices...

More information

Why Did the Demand for Cash Decrease Recently in Korea?

Why Did the Demand for Cash Decrease Recently in Korea? Why Did he Demand for Cash Decrease Recenly in Korea? Byoung Hark Yoo Bank of Korea 26. 5 Absrac We explores why cash demand have decreased recenly in Korea. The raio of cash o consumpion fell o 4.7% in

More information

1. Fund types and population covered

1. Fund types and population covered Performance and financial overview of invesmen funds - France 1 March 016 The Banque de France draws up he following informaion for invesmen funds: 1 monhly saisics on fund ousandings and flows, and on

More information

Chapter 1.6 Financial Management

Chapter 1.6 Financial Management Chaper 1.6 Financial Managemen Par I: Objecive ype quesions and answers 1. Simple pay back period is equal o: a) Raio of Firs cos/ne yearly savings b) Raio of Annual gross cash flow/capial cos n c) = (1

More information

Table of contents Chapter 1 Interest rates and factors Chapter 2 Level annuities Chapter 3 Varying annuities

Table of contents Chapter 1 Interest rates and factors Chapter 2 Level annuities Chapter 3 Varying annuities Table of conens Chaper 1 Ineres raes and facors 1 1.1 Ineres 2 1.2 Simple ineres 4 1.3 Compound ineres 6 1.4 Accumulaed value 10 1.5 Presen value 11 1.6 Rae of discoun 13 1.7 Consan force of ineres 17

More information

GUIDE GOVERNING SMI RISK CONTROL INDICES

GUIDE GOVERNING SMI RISK CONTROL INDICES GUIDE GOVERNING SMI RISK CONTROL IND ICES SIX Swiss Exchange Ld 04/2012 i C O N T E N T S 1. Index srucure... 1 1.1 Concep... 1 1.2 General principles... 1 1.3 Index Commission... 1 1.4 Review of index

More information

THE LAW SOCIETY OF THE AUSTRALIAN CAPITAL TERRITORY

THE LAW SOCIETY OF THE AUSTRALIAN CAPITAL TERRITORY Complee he form in BLOCK LETTERS Provide deails on separae shees if required To Responden Address THE LAW SOCIETY OF THE AUSTRALIAN CAPITAL TERRITORY Personal Injury Claim ificaion pursuan o he Civil Law

More information

Outline of Medicare Supplement Coverage

Outline of Medicare Supplement Coverage Underwrien by Serling Life Insurance Company Ouline of Medicare Supplemen Coverage Benefi Char of Medicare Supplemen Plans Sold wih Effecive Daes on or afer June 1, 2010 TX OC (09/11) Medicare Supplemen

More information

MEDIA KIT NEW YORK CITY BAR

MEDIA KIT NEW YORK CITY BAR MEDIA KIT NEW YORK CITY BAR The New York Ciy Bar is he premier professional membership associaion for lawyers in he greaer New York Meropolian area. Wih over 24,000 aorney and law suden members, we represen

More information

TAX INFORMATION A handbook for Washington state employers

TAX INFORMATION A handbook for Washington state employers Unemploymen Insurance TAX INFORMATION A handbook for Washingon sae employers Revised Ocober 2014 This book provides an overview and general guidance abou unemploymen axes I does no serve as law Specific

More information

The Time Value of Money

The Time Value of Money THE TIME VALUE OF MONEY CALCULATING PRESENT AND FUTURE VALUES Fuure Value: FV = PV 0 ( + r) Presen Value: PV 0 = FV ------------------------------- ( + r) THE EFFECTS OF COMPOUNDING The effecs/benefis

More information

WHAT ARE OPTION CONTRACTS?

WHAT ARE OPTION CONTRACTS? WHAT ARE OTION CONTRACTS? By rof. Ashok anekar An oion conrac is a derivaive which gives he righ o he holder of he conrac o do 'Somehing' bu wihou he obligaion o do ha 'Somehing'. The 'Somehing' can be

More information

Chapter 9 Bond Prices and Yield

Chapter 9 Bond Prices and Yield Chaper 9 Bond Prices and Yield Deb Classes: Paymen ype A securiy obligaing issuer o pay ineress and principal o he holder on specified daes, Coupon rae or ineres rae, e.g. 4%, 5 3/4%, ec. Face, par value

More information

Equities: Positions and Portfolio Returns

Equities: Positions and Portfolio Returns Foundaions of Finance: Equiies: osiions and orfolio Reurns rof. Alex Shapiro Lecure oes 4b Equiies: osiions and orfolio Reurns I. Readings and Suggesed racice roblems II. Sock Transacions Involving Credi

More information

MITEL NETWORKS CORPORATION CONSOLIDATED BALANCE SHEETS (in millions of US dollars) (unaudited) December 31, December 31, 2015 2014

MITEL NETWORKS CORPORATION CONSOLIDATED BALANCE SHEETS (in millions of US dollars) (unaudited) December 31, December 31, 2015 2014 CONSOLIDATED BALANCE SHEETS,, 5 ASSETS Curren asses: Cash and cash equivalens.. Accouns receivable..5 Sales-ype lease receivables.. Invenories.. Oher curren asses 5. 5. 5. 5. curren porion of sales-ype

More information

INTEREST RATE FUTURES AND THEIR OPTIONS: SOME PRICING APPROACHES

INTEREST RATE FUTURES AND THEIR OPTIONS: SOME PRICING APPROACHES INTEREST RATE FUTURES AND THEIR OPTIONS: SOME PRICING APPROACHES OPENGAMMA QUANTITATIVE RESEARCH Absrac. Exchange-raded ineres rae fuures and heir opions are described. The fuure opions include hose paying

More information

Extract from. Études et Dossiers No. 302. World Risk and Insurance Economics Congress. Inaugural Conference

Extract from. Études et Dossiers No. 302. World Risk and Insurance Economics Congress. Inaugural Conference Inernaional Associaion for he Sudy of Insurance Economics Éudes e Dossiers Exrac from Éudes e Dossiers No. 32 World Risk and Insurance Economics Congress Inaugural Conference 7 11 Augus 25 Sal Lake Ciy,

More information

SEB Commodity Sector Index Series. Index Rules January 2014

SEB Commodity Sector Index Series. Index Rules January 2014 EB Commodiy ecor ndex eries ndex Rules January 2014 PART A 1. nroducion 1.1 ndex Descripion The EB Commodiy ecor ndex eries (The ndices ) is a family of benchmark indices ha covers all he major commodiy

More information

The Greek financial crisis: growing imbalances and sovereign spreads. Heather D. Gibson, Stephan G. Hall and George S. Tavlas

The Greek financial crisis: growing imbalances and sovereign spreads. Heather D. Gibson, Stephan G. Hall and George S. Tavlas The Greek financial crisis: growing imbalances and sovereign spreads Heaher D. Gibson, Sephan G. Hall and George S. Tavlas The enry The enry of Greece ino he Eurozone in 2001 produced a dividend in he

More information

C Fast-Dealing Property Trading Game C

C Fast-Dealing Property Trading Game C AGES 8+ C Fas-Dealing Propery Trading Game C Y Collecor s Ediion Original MONOPOLY Game Rules plus Special Rules for his Ediion. CONTENTS Game board, 6 Collecible okens, 28 Tile Deed cards, 16 Wha he Deuce?

More information

Risk Modelling of Collateralised Lending

Risk Modelling of Collateralised Lending Risk Modelling of Collaeralised Lending Dae: 4-11-2008 Number: 8/18 Inroducion This noe explains how i is possible o handle collaeralised lending wihin Risk Conroller. The approach draws on he faciliies

More information

INDEX RULE BOOK Leverage, Short, and Bear Indices

INDEX RULE BOOK Leverage, Short, and Bear Indices INDEX RULE BOOK Leverage, Shor, and Bear Indices Version 14-01 Effecive from 1 June 2014 indices.euronex.com Index 1. Index Summary 1 2. Governance and Disclaimer 6 2.1 Indices 6 2.2 Compiler 6 2.3 Cases

More information

CALCULATION OF OMX TALLINN

CALCULATION OF OMX TALLINN CALCULATION OF OMX TALLINN CALCULATION OF OMX TALLINN 1. OMX Tallinn index...3 2. Terms in use...3 3. Comuaion rules of OMX Tallinn...3 3.1. Oening, real-ime and closing value of he Index...3 3.2. Index

More information

Morningstar Investor Return

Morningstar Investor Return Morningsar Invesor Reurn Morningsar Mehodology Paper Augus 31, 2010 2010 Morningsar, Inc. All righs reserved. The informaion in his documen is he propery of Morningsar, Inc. Reproducion or ranscripion

More information

Payroll Project VTB Bank (Kazakhstan) JSC SO. Year 2012

Payroll Project VTB Bank (Kazakhstan) JSC SO. Year 2012 Payroll Project VTB Bank (Kazakhstan) JSC SO Year 2012 Welcome to VTB Bank (Kazakhstan) JSC SO VTB Bank (Kazakhstan) JSC SO is 100% subsidiary Bank of the largest Russian VTB Bank OJSC. VTB Group is over

More information

BALANCE OF PAYMENTS. First quarter 2008. Balance of payments

BALANCE OF PAYMENTS. First quarter 2008. Balance of payments BALANCE OF PAYMENTS DATE: 2008-05-30 PUBLISHER: Balance of Paymens and Financial Markes (BFM) Lena Finn + 46 8 506 944 09, lena.finn@scb.se Camilla Bergeling +46 8 506 942 06, camilla.bergeling@scb.se

More information

SHB Gas Oil. Index Rules v1.3 Version as of 1 January 2013

SHB Gas Oil. Index Rules v1.3 Version as of 1 January 2013 SHB Gas Oil Index Rules v1.3 Version as of 1 January 2013 1. Index Descripions The SHB Gasoil index (he Index ) measures he reurn from changes in he price of fuures conracs, which are rolled on a regular

More information

NASDAQ-100 Futures Index SM Methodology

NASDAQ-100 Futures Index SM Methodology NASDAQ-100 Fuures Index SM Mehodology Index Descripion The NASDAQ-100 Fuures Index (The Fuures Index ) is designed o rack he performance of a hypoheical porfolio holding he CME NASDAQ-100 E-mini Index

More information

Nikkei Stock Average Volatility Index Real-time Version Index Guidebook

Nikkei Stock Average Volatility Index Real-time Version Index Guidebook Nikkei Sock Average Volailiy Index Real-ime Version Index Guidebook Nikkei Inc. Wih he modificaion of he mehodology of he Nikkei Sock Average Volailiy Index as Nikkei Inc. (Nikkei) sars calculaing and

More information

Longevity 11 Lyon 7-9 September 2015

Longevity 11 Lyon 7-9 September 2015 Longeviy 11 Lyon 7-9 Sepember 2015 RISK SHARING IN LIFE INSURANCE AND PENSIONS wihin and across generaions Ragnar Norberg ISFA Universié Lyon 1/London School of Economics Email: ragnar.norberg@univ-lyon1.fr

More information

Option Put-Call Parity Relations When the Underlying Security Pays Dividends

Option Put-Call Parity Relations When the Underlying Security Pays Dividends Inernaional Journal of Business and conomics, 26, Vol. 5, No. 3, 225-23 Opion Pu-all Pariy Relaions When he Underlying Securiy Pays Dividends Weiyu Guo Deparmen of Finance, Universiy of Nebraska Omaha,

More information

MEMORANDUM. From: Tina Kessler, Senior Program Analyst, San Diego Housing Commission

MEMORANDUM. From: Tina Kessler, Senior Program Analyst, San Diego Housing Commission MEMORANDUM To: Members of he Downown Communiy Planning Council From: Tina Kessler, Senior Program Analys, San Diego Housing Commission Dae: March 4, 2015 Subjec: Affordable Housing Fund FY 16 Annual Plan

More information

Present Value Methodology

Present Value Methodology Presen Value Mehodology Econ 422 Invesmen, Capial & Finance Universiy of Washingon Eric Zivo Las updaed: April 11, 2010 Presen Value Concep Wealh in Fisher Model: W = Y 0 + Y 1 /(1+r) The consumer/producer

More information

TOI: H02I Individual Health - Accident Only Sub-TOI: H02I.000 Health - Accident Only Application for Accidental Death Policy/UAIN-TAP(03)

TOI: H02I Individual Health - Accident Only Sub-TOI: H02I.000 Health - Accident Only Application for Accidental Death Policy/UAIN-TAP(03) TOI: H02I Individual Healh - Acciden Only Sub-TOI: H02I.000 Healh - Acciden Only Produc Name: Projec Name/Number: / Filing a a Glance Company: Unied American Insurance Company Produc Name: Applicaion for

More information

Statistical Analysis with Little s Law. Supplementary Material: More on the Call Center Data. by Song-Hee Kim and Ward Whitt

Statistical Analysis with Little s Law. Supplementary Material: More on the Call Center Data. by Song-Hee Kim and Ward Whitt Saisical Analysis wih Lile s Law Supplemenary Maerial: More on he Call Cener Daa by Song-Hee Kim and Ward Whi Deparmen of Indusrial Engineering and Operaions Research Columbia Universiy, New York, NY 17-99

More information

Academic Advising. Ultimately the college experience you build is your responsibility. Office: Phone: Web: Advising Hours:

Academic Advising. Ultimately the college experience you build is your responsibility. Office: Phone: Web: Advising Hours: C C M T a s h g i e H w e N o k o o b e id u G n io a r is g e R d n a g in is v d A, n io a n ie r Suden O ! C C M T o e m o c l We y. ne ur jo l na io a uc ed ur yo ou gh ou hr o be used ed nd e in is

More information

LECTURE: SOCIAL SECURITY HILARY HOYNES UC DAVIS EC230 OUTLINE OF LECTURE:

LECTURE: SOCIAL SECURITY HILARY HOYNES UC DAVIS EC230 OUTLINE OF LECTURE: LECTURE: SOCIAL SECURITY HILARY HOYNES UC DAVIS EC230 OUTLINE OF LECTURE: 1. Inroducion and definiions 2. Insiuional Deails in Social Securiy 3. Social Securiy and Redisribuion 4. Jusificaion for Governmen

More information

S&P 500 Dynamic VIX Futures Index Methodology

S&P 500 Dynamic VIX Futures Index Methodology S&P 500 Dynamic VIX Fuures Index Mehodology April 2014 S&P Dow Jones Indices: Index Mehodology Table of Conens Inroducion 2 Highlighs 2 Family 2 Index Consrucion 3 Consiuens 3 Allocaions 3 Excess Reurn

More information

REGULATIONS OF THE COMPLIANCE UNIT 21/07/15

REGULATIONS OF THE COMPLIANCE UNIT 21/07/15 REGULTIONS OF THE COMPLINCE UNIT /07/5 5 CONTENT TITLE I. NTURE, OBJECT, ND MENDMENT ricle. Naure and Objec ricle. mendmen TITLE II. COMPOSITION ricle. Composiion and Posiions ricle 4. Direcor of Compliance

More information

PolicyCore. Putting Innovation and Customer Service at the Core of Your Policy Administration and Underwriting

PolicyCore. Putting Innovation and Customer Service at the Core of Your Policy Administration and Underwriting PolicyCore Puing Innovaion and Cusomer Service a he Core of Your Policy Adminisraion and Underwriing As new echnologies emerge and cusomer expecaions escalae, P&C insurers are seeing opporuniies o grow

More information

ATOMEX-Europe 2013. 8-9 October 2013, Brno, Czech Republic

ATOMEX-Europe 2013. 8-9 October 2013, Brno, Czech Republic ATOMEX-Europe 2013 8-9 October 2013, Brno, Czech Republic VTB today VTB is a backbone Russian bank, which has built an international financial group. VTB Group possesses a unique international network

More information

IR Receiver Module for Light Barrier Systems

IR Receiver Module for Light Barrier Systems IR Receiver Module for Ligh Barrier Sysems MECHANICAL DATA Pinning: 1 = OUT, 2 = GND, 3 = V S 19026 APPLICATIONS Reflecive sensors for hand dryers, owel or soap dispensers, waer fauces, oile flush Vending

More information

Performance Center Overview. Performance Center Overview 1

Performance Center Overview. Performance Center Overview 1 Performance Cener Overview Performance Cener Overview 1 ODJFS Performance Cener ce Cener New Performance Cener Model Performance Cener Projec Meeings Performance Cener Execuive Meeings Performance Cener

More information

Supported Payment Methods

Supported Payment Methods Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not

More information

One dictionary: Native language - English/English - native language or English - English

One dictionary: Native language - English/English - native language or English - English Faculy of Social Sciences School of Business Corporae Finance Examinaion December 03 English Dae: Monday 09 December, 03 Time: 4 hours/ 9:00-3:00 Toal number of pages including he cover page: 5 Toal number

More information

DYNAMIC MODELS FOR VALUATION OF WRONGFUL DEATH PAYMENTS

DYNAMIC MODELS FOR VALUATION OF WRONGFUL DEATH PAYMENTS DYNAMIC MODELS FOR VALUATION OF WRONGFUL DEATH PAYMENTS Hong Mao, Shanghai Second Polyechnic Universiy Krzyszof M. Osaszewski, Illinois Sae Universiy Youyu Zhang, Fudan Universiy ABSTRACT Liigaion, exper

More information

BALANCE OF PAYMENTS AND FINANCIAL MA REPORT 2015. All officiell statistik finns på: www.scb.se Statistikservice: tfn 08-506 948 01

BALANCE OF PAYMENTS AND FINANCIAL MA REPORT 2015. All officiell statistik finns på: www.scb.se Statistikservice: tfn 08-506 948 01 RKET BALANCE OF PAYMENTS AND FINANCIAL MA REPORT 2015 All officiell saisik finns på: www.scb.se Saisikservice: fn 08-506 948 01 All official saisics can be found a: www.scb.se Saisics service, phone +46

More information

Development Centre RESEARCH MEMORANDUM. Banking sector output measurement in the euro area a modified approach. Antonio Colangelo and Robert Inklaar

Development Centre RESEARCH MEMORANDUM. Banking sector output measurement in the euro area a modified approach. Antonio Colangelo and Robert Inklaar Universiy of Groningen Groningen Growh and Developmen Cenre Banking secor oupu measuremen in he euro area a modified approach Research Memorandum GD-117 Anonio Colangelo and Rober Inklaar RESEARCH MEMORANDUM

More information

A Note on Construction of Multiple Swap Curves with and without Collateral

A Note on Construction of Multiple Swap Curves with and without Collateral A Noe on Consrucion of Muliple Swap Curves wih and wihou Collaeral Masaaki Fujii, Yasufumi Shimada, Akihiko Takahashi Absrac There are now available wide variey

More information

4. International Parity Conditions

4. International Parity Conditions 4. Inernaional ariy ondiions 4.1 urchasing ower ariy he urchasing ower ariy ( heory is one of he early heories of exchange rae deerminaion. his heory is based on he concep ha he demand for a counry's currency

More information

Individual Health Insurance April 30, 2008 Pages 167-170

Individual Health Insurance April 30, 2008 Pages 167-170 Individual Healh Insurance April 30, 2008 Pages 167-170 We have received feedback ha his secion of he e is confusing because some of he defined noaion is inconsisen wih comparable life insurance reserve

More information

Fifth Quantitative Impact Study of Solvency II (QIS 5) National guidance on valuation of technical provisions for German SLT health insurance

Fifth Quantitative Impact Study of Solvency II (QIS 5) National guidance on valuation of technical provisions for German SLT health insurance Fifh Quaniaive Impac Sudy of Solvency II (QIS 5) Naional guidance on valuaion of echnical provisions for German SLT healh insurance Conens 1 Inroducion... 2 2 Calculaion of bes-esimae provisions... 3 2.1

More information

Package SJP. Parameter Symbol Conditions Rating Unit Remarks Transient Peak Reverse Voltage V RSM 30 V Repetitive Peak Reverse Voltage, V RM 30 V

Package SJP. Parameter Symbol Conditions Rating Unit Remarks Transient Peak Reverse Voltage V RSM 30 V Repetitive Peak Reverse Voltage, V RM 30 V V RM = 30 V, I F(AV) = A Schoky Diode Daa Shee Descripion is a Schoky diode ha is low forward volage drop, and achieves high efficiency recificaion circui. Package SJP (2) Feaures Low Sauraion Volage High

More information

Fixed Income Analysis: Securities, Pricing, and Risk Management

Fixed Income Analysis: Securities, Pricing, and Risk Management Fixed Income Analysis: Securiies, Pricing, and Risk Managemen Claus Munk This version: January 23, 2003 Deparmen of Accouning and Finance, Universiy of Souhern Denmark, Campusvej 55, DK-5230 Odense M,

More information

Child Protective Services. A Guide To Investigative Procedures

Child Protective Services. A Guide To Investigative Procedures Child Proecive Services A Guide To Invesigaive Procedures The purpose of his brochure is o help you undersand he Child Proecive Services (CPS) reporing and response process. Please conac your CPS worker

More information

Supported Payment Methods

Supported Payment Methods Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit

More information

Loans, Interest Rates and Guarantees: Is There a Link? 1

Loans, Interest Rates and Guarantees: Is There a Link? 1 Loans, Ineres Raes and Guaranees: Is There a Link? 1 G. Calcagnini, F. Farabullini e G. Giombini 1. Inroducion This paper aims a shedding ligh on he influence of guaranees on he loan pricing (banking ineres

More information

RISK ANALYSIS WITH CONTRACTUAL DEFAULT. DOES COVENANT BREACH MATTER?

RISK ANALYSIS WITH CONTRACTUAL DEFAULT. DOES COVENANT BREACH MATTER? RISK ANAYSIS WITH CONTRACTUA DEFAUT. DOES COVENANT BREACH MATTER? Emanuele Borgonovo Deparmen of Decision Sciences Bocconi Universiy emanuele.borgonovo@unibocconi.i Sefano Gai Deparmen of Finance and CAREFIN

More information

Financial Aid. Be a Buff

Financial Aid. Be a Buff Financial Aid Be a Buff & Spend Less oal cos Borrow Less a Milligan LOAN DEBT 6,500 4,000 Milligan s oal cos is 6,500 below he naional average for privae colleges The average Milligan loan deb a graduaion

More information

The Application of Multi Shifts and Break Windows in Employees Scheduling

The Application of Multi Shifts and Break Windows in Employees Scheduling The Applicaion of Muli Shifs and Brea Windows in Employees Scheduling Evy Herowai Indusrial Engineering Deparmen, Universiy of Surabaya, Indonesia Absrac. One mehod for increasing company s performance

More information

The Complete VoIP Telecom Service Provider

The Complete VoIP Telecom Service Provider The Complee VoIP Telecom Service Provider 1 Overview Company Overview SIP Trunking Produc Overview Technical Specificaions Pricing Why SIP Trunking? Benefis over radiional elecom Ideal cusomer 2 Company

More information

CLASSIFICATION OF REINSURANCE IN LIFE INSURANCE

CLASSIFICATION OF REINSURANCE IN LIFE INSURANCE CLASSIFICATION OF REINSURANCE IN LIFE INSURANCE Kaarína Sakálová 1. Classificaions of reinsurance There are many differen ways in which reinsurance may be classified or disinguished. We will discuss briefly

More information

ACTUARIAL FUNCTIONS 1_05

ACTUARIAL FUNCTIONS 1_05 ACTUARIAL FUNCTIONS _05 User Guide for MS Office 2007 or laer CONTENT Inroducion... 3 2 Insallaion procedure... 3 3 Demo Version and Acivaion... 5 4 Using formulas and synax... 7 5 Using he help... 6 Noaion...

More information

Debt Relief and Fiscal Sustainability for HIPCs *

Debt Relief and Fiscal Sustainability for HIPCs * Deb Relief and Fiscal Susainabiliy for HIPCs * Craig Burnside and Domenico Fanizza December 24 Absrac The enhanced HIPC iniiaive is disinguished from previous deb relief programs by is condiionaliy ha

More information

PROFIT TEST MODELLING IN LIFE ASSURANCE USING SPREADSHEETS PART ONE

PROFIT TEST MODELLING IN LIFE ASSURANCE USING SPREADSHEETS PART ONE Profi Tes Modelling in Life Assurance Using Spreadshees PROFIT TEST MODELLING IN LIFE ASSURANCE USING SPREADSHEETS PART ONE Erik Alm Peer Millingon 2004 Profi Tes Modelling in Life Assurance Using Spreadshees

More information

Standard pricing for current accounts Valid from 19 th of February 2015

Standard pricing for current accounts Valid from 19 th of February 2015 Standard pricing for current accounts Valid from 19 th of February 2015 CURRENT ACCOUNT OPENING Opening of current accounts UAH UAH 100 EUR UAH 100 USD UAH 100 RUB and other UAH 100 with the opening of

More information

SKF Documented Solutions

SKF Documented Solutions SKF Documened Soluions Real world savings and we can prove i! How much can SKF save you? Le s do he numbers. The SKF Documened Soluions Program SKF is probably no he firs of your supplier parners o alk

More information

SECURITIES SERVICES FEES AND COMMISSIONS (for natural and legal persons)

SECURITIES SERVICES FEES AND COMMISSIONS (for natural and legal persons) SECURITIES SERVICES FEES AND COMMISSIONS (for natural and legal persons) AUSTRALIA FOP (Free-of- AUSTRIA FOP (Free-of- BELGIUM e FOP (Free-of- BULGARIA FOP (Free-of- CANADA e (if the value of a single

More information

Cable & Wireless Jamaica s Price Cap Plan

Cable & Wireless Jamaica s Price Cap Plan Office of Uiliies Regulaion Cable & Wireless Jamaica s Price Cap Plan Deerminaion Noice 2001 Augus 1 Absrac Cable and Wireless Jamaica (C&WJ) has radiionally been regulaed under a rae of reurn regime.

More information

MINNESOTA QUICK SWITCH CHECKLIST FORMS INCLUDED

MINNESOTA QUICK SWITCH CHECKLIST FORMS INCLUDED MINNESOA K & RUS 7701 France Avenue South, Suite 110 Edina. MN 55435 At Minnesota Bank & rust, we are committed to making your switch an easy one. Stop into our office and we ll help you make all of the

More information

Methodology brief Introducing the J.P. Morgan Emerging Markets Bond Index Global (EMBI Global)

Methodology brief Introducing the J.P. Morgan Emerging Markets Bond Index Global (EMBI Global) Mehodology brief Emerging Markes Bond Index The EMBI Global, which currenly includes 27 counries, has been creaed in response o invesor demand for a broader emerging markes deb benchmark The EMBI Global

More information

Loans, Interest Rates and Guarantees: Is There a Link? WP-EMS Working Papers Series in Economics, Mathematics and Statistics WP-EMS # 2009/04

Loans, Interest Rates and Guarantees: Is There a Link? WP-EMS Working Papers Series in Economics, Mathematics and Statistics WP-EMS # 2009/04 ISSN 1974-4110 WP-EMS Working Papers Series in Economics, Mahemaics and Saisics Loans, Ineres Raes and Guaranees: Is There a Link? Giorgio Calcagnini, (U. Urbino) Fabio Farabullini, (Banca d Ialia) Germana

More information

House Price Index (HPI)

House Price Index (HPI) House Price Index (HPI) The price index of second hand houses in Colombia (HPI), regisers annually and quarerly he evoluion of prices of his ype of dwelling. The calculaion is based on he repeaed sales

More information

strategy T R U LY P E R S O N A L I Z E D

strategy T R U LY P E R S O N A L I Z E D Fund Selec Premier sraegy T R U LY P E R S O N A L I Z E D Invesing for your presen and fuure financial needs can seem overwhelming. I shouldn be, and i doesn have o be. Implemening a well-conceived invesmen

More information

S&P GSCI Crude Oil Covered Call Index Methodology

S&P GSCI Crude Oil Covered Call Index Methodology S&P GSCI Crude Oil Covered Call Index Mehodology July 2014 S&P Dow Jones Indices: Index Mehodology Table of Conens Inroducion 3 Highlighs 3 The S&P GSCI Crude Oil Covered Call Index Mehodology 3 Definiions

More information

Market Liquidity and the Impacts of the Computerized Trading System: Evidence from the Stock Exchange of Thailand

Market Liquidity and the Impacts of the Computerized Trading System: Evidence from the Stock Exchange of Thailand 36 Invesmen Managemen and Financial Innovaions, 4/4 Marke Liquidiy and he Impacs of he Compuerized Trading Sysem: Evidence from he Sock Exchange of Thailand Sorasar Sukcharoensin 1, Pariyada Srisopisawa,

More information

Civil RPAS Regulation & Certification

Civil RPAS Regulation & Certification EUROPEAN COMMISSION HEARING ON LIABILITY & INSURANCE Brussels, Belgium Civil RPAS Regulaion & Cerificaion By Peer van Blyenburgh On recommendaion of ICAO, and in compliance wih he erminology of he European

More information

THOMSON REUTERS CONVERTIBLE INDICES

THOMSON REUTERS CONVERTIBLE INDICES REUTERS/Russell Boyce THOMSON REUTERS CONVERTIBLE INDICES Revision 5 Final 25 November 2015 METHODOLOGY Conens 1. OVERVIEW 1 1.1 Index Governance 1 1.2 Marke Feedback 2 1.2.1. User Base 3 1.2.2. Index

More information

FINAL TERMS. relating to

FINAL TERMS. relating to FINAL TERMS relaing o COMMERZBANK AKTIENGESELLSCHAFT 50,000,000 Unlimied Cerificaes linked o he Performance of he BULL OMX X4 C index relaing o he OMXS30 TM Fuure o be offered under he Scandinavian Noes/Cerificaes

More information

Photo Modules for PCM Remote Control Systems

Photo Modules for PCM Remote Control Systems Phoo Modules for PCM Remoe Conrol Sysems Available ypes for differen carrier frequencies Type fo Type fo TSOP173 3 khz TSOP1733 33 khz TSOP1736 36 khz TSOP1737 36.7 khz TSOP1738 38 khz TSOP174 4 khz TSOP1756

More information

STATE OF I\EW ME,XICO wr.,

STATE OF I\EW ME,XICO wr., STATE OF \EW ME,XCO wr.,. POJOAQUE VALLEY RRGATON DSTRCT FDEL A. BERNAL, PC CERTTFED PUBLC ACCOUNTANT ALBUQUERQUE, NEW MEXCO l. Sae of New Mexico Pojoaque Valley rrigaion Disric Table of Conens June 30,

More information

S&P/Valmer Indices Methodology

S&P/Valmer Indices Methodology S&P/Valmer Indices Mehodology S&P Dow Jones Indices: Mehodology January 2016 Table of Conens Inroducion 4 Families 4 Eligibiliy Crieria 6 Eligible Securiies 6 Pricing 7 Timing of Changes 7 Sub- Rules 8

More information