TAILIEUCHUNG - CODE OF BANKING PRACTICE

The Czech National Bank (CNB) is another central bank that has been able to achieve price stability irrespective of its negative equity situation (other examples include Slovakia, Israel, Mexico and Thailand). This country case has been described by Frait (2005), Cincibuch et al. (2008, 2009) and Frait and Holub (2011), who stressed the non-inflationary nature of the CNB’s accounting losses related to large FX reserves and assessed the bank’s ability to get out of its negative equity situation in the future without resorting to faster price growth. On the other hand, Mandel and Zelenka (2009) partly disputed the benign view. | CODE OF BANKING PRACTICE Publication History First published by the Australian Bankers Association in August 2003. Subsequent amendments published in May 2004. For details of these amendments see under Code of Banking Practice . This version of the Code of Banking Practice includes these amendments. CODE OF BANKING PRACTICE Contents PART A INTRODUCTION 1 1 Introduction 1 PART B OUR KEY COMMITMENTS AND GENERAL OBLIGATIONS 1 2 Our key commitments to you 1 3 Compliance with laws 2 4 Retention of your rights 2 5 Review of this Code 2 6 Elderly customers and customers with a disability 3 7 Staff training and competency 3 8 Promotion of this Code 3 9 Availability of copies of this Code 3 PART C DISCLOSURES 4 10 Terms and conditions 4 11 Copies of documents 6 12 Cost of credit 6 13 Operation of accounts 7 14 Account suitability 7 PART D PRINCIPLES OF CONDUCT 8 15 Pre-contractual conduct 8 16 Opening of accounts 8 17 Account combination 8 18 Changes to terms and conditions 8 19 Direct debits 9 20 Chargebacks 9 21 Foreign exchange services 10 22 Privacy and confidentiality 10 23 Payment instruments 10

• Ngân hàng - Tín dụng
• pleuritic chest
• non productive
• Occasionally
• chest pain
• low grade pyrexia
• loss of appetite
• breathlessness
• hypoproteinaemia
• findings suggestive