Russian term (edited): ������ ��������

or proforma of the contract/agreement


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Note added at 16 hrs 39 mins (2004-08-19 23:24:02 GMT)
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It has never been easier and faster to edit charter parties and other standard forms than by using idea 2003, which provides an intuitive screen-based method of working with and distributing electronic forms. Users can create their own template or ***proforma documents*** to simplify the creation of charter parties for similar or repeat business and the results can easily be e-mailed.

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Note added at 16 hrs 51 mins (2004-08-19 23:35:17 GMT)
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по самому же вопросу:

посетить www.hanza.ee > english > service information - more info > current account и на страничке поискать terms and conditions:


Current account terms and conditions

01.02.2003

1. Current Account
1.1. Public limited company AS Hansapank (hereinafter referred to as the Bank) shall open a current account for the Client for settling accounts and making term deposits (hereinafter referred to as the Account) on the basis of a Current Account Contract (hereinafter referred to as the Contract).
1.2. The Client has the right to open several accounts in the Bank in his or her name unless it is prohibited by law.

2. Usage of Account
2.1. The Client chooses the way(s) of usage of the Account from among the services provided by the Bank by entering into the corresponding contract.
2.2. The Account can be used by the Client or the person authorised by the Client or another person having the right of representation that is accepted by the Bank.
2.3. The Client has the right to conduct transactions on the Account to the extent of the funds available on the Account.

3. Orders of Client
3.1. An order of the Client can be directed to making one or multiple payments. The Bank and the Client shall conclude a separate agreement for making repetitive payments.
3.2. The Bank shall execute only such orders of the Client that have been given in conformity with the agreements between the Client and the Bank and formalised pursuant to law and the instructions given by the bank and that clearly indicate the will of the Client.
3.3. If the order given by the Client contains mistakes or is insufficient, the Bank shall have the right to determine the manner of execution of the order proceeding from good banking practice or reject execution of the order. Upon non-execution of the order the Bank shall notify the Client thereof through a channel chosen at its discretion.
3.4. The Bank shall return the amount rejected by the beneficiary\'s account keeper due to mistakes or insufficiency to the Account. The Client has the right to receive information about the inaccuracies of the order from Account statements or in another way.
3.5. The Bank has the right to refuse from execution of the order of the Client until receipt of an additional confirmation if the transfer amount exceeds the limit determined by the Bank. The additional confirmation for the orders of the Client is asked for by the communication device accepted by the Bank.
3.6. The Bank has the right to defer execution of the Client\'s order and demand documentary confirmation from the Client for the legal origin of the funds used for conducting the transaction. The Bank has the right not to execute the order of the Client if the Client does not certify to the extent prescribed by law the legal origin of the funds used for conducting the transaction.
3.7. Upon deferral of the transfer or non-transfer by the Bank on the bases stipulated in clauses 3.5 and 3.6, the Client shall not have the right to claim compensation of losses from the Bank, incl. payment of interest or default interest on the transfer amount.
3.8. The Client can withdraw the transfer order given to the Bank if he or she notifies the Bank thereof in the manner required by the Bank and the Bank has not accepted the order for execution or performed the obligation arising from the order by the time of withdrawal.

4. Deadlines for Execution of Orders
The Bank shall execute the Client\'s transfer order by the deadline prescribed by the Bank\'s legal provisions and standard terms and conditions, except in cases stipulated in clauses 3.5 and 3.6 when the Bank executes the order after receipt of the confirmation.

5. Liability of Bank
5.1. The Bank shall not bear liability for forwarding errors, ambiguities, abuse and mistakes of the orders sent to the Bank by the Client.
5.2. The Bank as the keeper of the Account of the initiator of the transfer shall bear liability for failure to make the transfer without good reason and for damage arising from failure to make the transfer in a timely manner, while the Bank\'s liability shall not exceed 12,500 (twelve thousand five hundred) euros. Upon compensation for the said damage by the Bank the transfer shall be considered as withdrawn by the Client.
5.3. Upon receipt of the transfer, the Bank as the keeper of the beneficiary\'s Account shall bear liability to the extent of the transfer amount of the Client\'s Account for any damages arising from non-crediting or failure to credit in a timely manner, while the Bank\'s liability shall not exceed 12,500 (twelve thousand five hundred) euros.
5.4. If a payment intermediary bank chosen by the Bank fails to make the transfer or fails to make the transfer in a timely manner, the Bank shall bear liability for the damage arising therefrom, while the Bank\'s liability shall not exceed 12,500 (twelve thousand five hundred) euros and the Bank shall bear liability for a foreign payment intermediary chosen by the Bank, while the Bank\'s liability shall not exceed 25,000 (twenty-five thousand) euros.
5.5. The Bank shall not bear any liability if the intermediary chosen by the Bank fails to make the transfer without good reason or for damage arising from the intermediary\'s failure to make the transfer in a timely manner if the transfer amount exceeds 75,000 (seventy-five thousand) euros or if the money is to be transferred to an Account keeper outside Estonia and the European Union or if it comes from such an Account keeper.
5.6. The Bank shall not bear liability for failure to make the transfer or for damage arising from failure to make the transfer in a timely manner, which was caused by incorrect of insufficient order or if the payment intermediary bank chosen by the Client failed to make the transfer.

6. Statements
6.1. The Bank shall issue to the Client, upon the Client\'s request, an account statement for which the Client shall pay pursuant to the price list established in the Bank (hereinafter referred to as the Price List).
6.2. The Bank has the right to unilaterally change the frequency of Account statements sent to the Client by post notifying the Client thereof in advance.

7. Keeping Foreign Currency on Current Account
7.1. The main currency of the Account is the Estonian kroon and permitted currencies are all foreign currencies quoted by the Bank.
7.2. The Client has the right to give the Bank the order not to keep foreign currencies on the account or keep only the currencies selected form the foreign currencies quoted by the Bank on the Account. The amounts accruing to the Account in a foreign currency not listed in the Client\'s order shall be converted into the main currency on the date of the transaction on the basis of the transfer rate established by the Bank.
7.3. With regard to foreign currency transactions and operations the Bank has the right to apply all the conditions and restrictions that have been established in the country of origin of the currency and that affect the Bank upon making the transaction in the given currency.

8. Service Fees, Interest, Default Interest and Other Sums Payable by Client
8.1. The Client shall pay a service fee to the Bank for opening and using the Account pursuant to the Price List.
8.2. The Bank has the right to change the size of service fees and the interest rate unilaterally by giving the Client advance notice thereof.
8.3. The Bank shall pay interest to the Account on the basis of the Price List.
8.4. Interest is calculated and paid pursuant to the procedure established in the Bank. The Client has the right to receive information about calculation and the procedure for payment of the interest.
8.5. If the available balance of the Account is exceeded as a result of transactions of withdrawal of service fees, the Client shall pay the Bank default interest established in the Price List.
8.6. The Bank shall debit the Account with the service fees and other sums payable, including the claims arising from the credit relations and securities transactions between the Client and the Bank and other contracts concluded between the Bank and the Client.
8.7. Service fees and other sums payable calculated in a foreign currency shall be converted into Estonian kroons on the basis of the transfer rate effective on the date of the transaction.
8.8. The Client must ensure a positive balance on the Account, unless arrears on the Account have been permitted by a relevant contract between the Bank and the Client.

9. Mistakes, Complaints and Disputes
Upon processing the mistakes and complaints and resolution of disputes it shall be proceeded from the General Conditions of the Bank.

10. Amendment of Contract
The Bank shall have the right to amend the terms of the Contract unilaterally by notifying the Customer thereof in advance.

11. Termination of the Contract
11.1. The Client has the right to terminate the Contract at any time by giving the Bank the corresponding order.
11.2. The Bank shall have the right to terminate the Contract in the ordinary manner notifying the Client thereof not later than 6 months in advance.
11.3. If the Client is in material breach of his or her contractual obligations, the Bank shall have the right to terminate the Contract extraordinarily.
11.4. If the Balance of the Account does not exceed 50 (fifty) kroons and no transactions have been conducted on the Account on the basis of the order of the Client for 12 consecutive months, the Bank shall have the right to terminate the Contract notifying the Client thereof 1 month in advance.
11.5. Upon expiry of the Contract, the Bank shall transfer to the Account all unpaid interest, withdraw all payable service fees and other sums and debts. Upon closing the Account, the Bank shall transfer the remaining money and other assets to another account indicated by the Client, disburse them to the Client in cash or deposit them.
11.6. Upon termination of the Contract, the Bank shall have the right to terminate all other contracts and agreements concluded between the Bank and the Client for disposal of the Account.
11.7. It is not possible to reopen a closed Account.

12. Other Conditions
12.1. The Bank has the right to disclose information about the Contract and the Client to third parties if such requirement is prescribed by the laws of the Republic of Estonia or the General Conditions of the Bank.
12.2. The General Conditions of the Bank shall apply in all other respects. The Client confirms that he or she is familiar and agrees with them.
12.3. By signature of the Contract the Client confirms that he or she has received detailed information about the Account (incl. the terms of use, acceptance of orders for execution and refusal from execution, prices and terms of payment and contractual rights, obligation, liability, etc., terms and conditions) and understands them.
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Note added at 16 hrs 54 mins (2004-08-19 23:38:31 GMT)
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