ИНСТРУКЦИЯ Национального банка Республики Беларусь от 02.09.1998 № 96 "О БАНКОВСКИХ ОПЕРАЦИЯХ ПО МЕЖДУНАРОДНЫМ РАСЧЕТАМ (ДОКУМЕНТАРНЫЕ АККРЕДИТИВЫ, ГАРАНТИИ, ИНКАССО)"

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9. Рекомендуется, чтобы поле "Частичные отгрузки" было заполнено приказодателем (была сделана отметка, разрешены частичные отгрузки или запрещены), несмотря на то, что ст.40(а) UCP 500 определяет, что частичные отгрузки разрешаются, если в аккредитиве не сказано об обратном.

10. Перед заполнением поля "Перегрузки" приказодатель должен определить способ доставки товаров грузополучателю. Приказодателю рекомендуется также ознакомиться со ст. 23 - 28 UCP 500.

11. Информация в поле "Страховка оплачивается нами" необходима, если от бенефициара не требуется представления страхового документа (может быть необходима банку - эмитенту при принятии решения об открытии аккредитива).

12. Поле "Отгрузка... из... для транспортировки в... не позднее..." включает детали отгрузки: место отправления и место доставки товара, которые могут быть обозначены как город, порт, аэропорт, страна, группа стран. Здесь не следует применять аббревиатуры, а также неточные выражения, такие, как балтийские порты и т.п.

В данном поле после текста "не позднее" приказодатель может указать последнюю дату отгрузки. В противном случае последней датой отгрузки будет считаться дата истечения срока аккредитива (ст.44 UCP 500).

13. Поле "Вид товара и его количество, цена за единицу товара" предназначено для описания товаров, которое должно быть точным, но вместе с тем максимально кратким. Описание товаров не должно содержать данные, которые не могут быть подтверждены представляемыми по аккредитиву документами. Для описания товаров используется, как правило, английский язык.

Слова "about", "approximately", "circa" ("около", "приблизительно") в отношении к количеству товара и/или цены за единицу товара будут означать, что в отношении количества товара (цены) допускается отклонение на 10% больше или меньше (ст.39 UCP 500).

Кроме того, допускается 5% отклонение в отношении количества товара, если только в аккредитиве прямо на сказано об обратном или количество товара не указано в определенном числе упаковочных единиц или в штуках, при этом сумма требований бенефициара не должна превышать сумму аккредитива.

14. Поле "Условия поставки" используется для указания необходимого условия для поставки товаров, например CIP Minsk. Рекомендуется применять условия поставки, определенные в Инкотермс 2000, публикация МТП N 560:

EXW - Ex Works (... named place) - Франко-завод (место отгрузки);

FCA - Free Carrier (... named place) - Франко-перевозчик (место отгрузки);

FAS - Free Alongside Ship (... named port of shipment) - Франко вдоль борта судна (порт погрузки);

FOB - Free On Board (... named port of shipment) - Франко борт судна (порт погрузки);

CFR - Cost and Freight (... named port of destination) - Стоимость и фрахт (порт назначения);

CIF - Cost, Insurance and Freight (... named port of destination) - Стоимость, страхование и фрахт (порт назначения);

CPT - Carriage Paid To (... named place of destination) - Перевозка оплачена до (место назначения);

CIP - Carriage and Insurance Paid to (... named place of destination) - Перевозка и страхование оплачены до (место назначения);

DAF - Delivered At Frontier (... named place) - Поставлено на границу (место поставки);

DES - Delivered Ex Ship (... named port of destination) - Поставлено франко-судно (порт назначения);

DEQ - Delivered Ex Quay (... named port of destination) - Поставлено франко-причал (порт назначения);

DDU - Delivered Duty Unpaid (... named place of destination) - Поставлено, пошлина не оплачена (место назначения);

DDP - Delivered duty Paid (... named place of destination) - Поставлено, пошлина оплачена (место назначения).

15. В поле "Необходимые для представления документы" указываются документы, против которых происходит исполнение аккредитива. Приказодатель должен указывать только такие документы, которые бенефициар может представить. Приказодатель также определяет, сколько оригиналов и копий каждого документа ему необходимо. UCP 500 установлено, что если транспортный документ выписан более, чем в одном оригинале, то представляется полный комплект оригиналов. При выборе вида транспортного документа приказодатель должен основываться на способе доставки товара (виде транспорта). При предоставлении права выбора способа доставки товара бенефициару приказодатель может при указании транспортных документов использовать слово "или", например, морской коносамент или авианакладная. Приказодателю нет необходимости указывать, что транспортный документ должен быть "чистым", так как ст.32 UCP 500, дающая определение "чистого" транспортного документа, требует от банков принимать транспортный документ, если только он "чистый". Если перевозка осуществляется несколькими видами транспорта, приказодателю следует указывать в данном поле документ на смешанную перевозку (Multimodal Bill of Lading и т.п.). При доставке груза воздушным транспортом следует иметь в виду, что авианакладная IATA предполагает из трех оригиналов только один для грузоотправителя (Original 3), поэтому не следует указывать более одного оригинала авианакладной в данном поле.

Страховой документ представляется бенефициаром, когда поставка осуществляется на условиях CIP или CIF. Во всех остальных случаях приказодатель сам оплачивает страхование, но может потребовать представление какого-либо связанного со страхованием документа. Приказодатель может установить фиксированный, минимальный либо минимальный и максимальный процент страхового покрытия, в противном случае будет применяться ст.34 (f) ii UCP 500 (банки будут принимать страховые документы с покрытием цены CIF (CIP) плюс 10%, если цена CIF (CIP) может быть определена по внешним признакам на основе документов, либо, если такая цена определена быть не может, 110% суммы аккредитива или счета - фактуры, в зависимости от того, какая из них больше). Приказодатель должен определить, какие риски покрывает страхование, избегая при этом неточных терминов, таких, как "обычные риски" и т.п.

Если приказодатель желает, чтобы были представлены другие документы, кроме коммерческого счета, страховых и транспортных документов, ему необходимо указать, кем такие документы должны быть выданы, а также формулировки и данные, которые они должны содержать.

16. В поле "Документы должны быть представлены..." указывается период для представления документов после даты отгрузки. В случае отсутствия в аккредитиве такого указания данный период согласно ст.43(а) UCP 500 автоматически устанавливается равным 21 дню.

17. В поле "Дополнительные инструкции" включаются все необходимые дополнительные инструкции, а также детали уплаты комиссий и поручение банку - эмитенту на списание средств по аккредитиву со счета(ов) приказодателя. В случае, если покрытие по аккредитиву предоставляется банку - эмитенту другим способом, определенным в договоре между приказодателем и банком - эмитентом, в данном поле должна быть сделана ссылка на такой договор.

18. Заявление на аккредитив должно быть подписано и заверено печатью клиента - приказодателя в соответствии с заявленными в уполномоченный банк образцами подписей и оттиска печати.

Для открытия отзывного аккредитива в заголовке бланка вместо слова "безотзывный" указывается "отзывный".

Приложение 6

                         Платежная гарантия
                         (примерная форма)

 Bank's name, and address of issuing branch or office

 Beneficiary: _________________       Date: ____________________

 Payment Guarantee N __

 Dear Sirs,
 You  concluded a contract N ___ with _________________, hereinafter
 called "the Principal"  on _____ for the  supply  of ______________
 at a price of ____________________________.
 As   security   for   the  payment  of  the  merchandise, a payment
 guarantee by a bank shall be furnished.
 At the request  of the Principal we hereby irrevocably undertake to
 pay you on your first demand any amount up to
 _____________________________(____________________________________)
 upon  receipt  of your written request for payment and your written
 confirmation that
     a) you  have  not  received  payment  on  due  date for the sum
 claimed under this Letter of Indemnity and that
     b) you have delivered  the  merchandise  to  the  Principal  in
 conformity with  the contract accompanied by a copy of the relevant
 invoice(s) and shipping document(s).
     The total  amount  of  this  Guarantee  will  be reduced by any
 payment effected by us thereunder.
     For the purpose of identification, your request for payment and
 your confirmation thereunder  have  to  be  presented  through  the
 intermediary of _____________ (bank) confirming that the signatures
 thereon are legally binding upon your firm.
 Our present Undertaking is valid until
 _______________(______________________________________)
 and expires  in  full and automatically if your written request for
 payment and your written confirmation are not in our possession  on
 or before that date.
 Documents presented will be handled according  to  Uniform  Customs
 and Practice for Documentary Credits, I.C.C. Publ. 500, Rev. 1993.

 Signature(s):                                     Yours faithfully,

 Наименование и адрес банка (филиала) - гаранта

 Бенефициар: _____________                     Дата: _______________

 Платежная гарантия N ________

 Уважаемые господа,
 Вы заключили   договор   N ______ с ______________ (далее именуемым
 "Принципал") от ______ на поставку ______________ по цене ________.
 В обеспечение платежа за товар должна  быть  выставлена  банковская
 платежная гарантия.
 По просьбе Принципала мы настоящим принимаем  на  себя  безотзывное
 обязательство  заплатить  Вам  по  Вашему  первому требованию любую
 сумму в пределах
 ______________________________(__________________________________).
 Платеж осуществляется  по  получении  нами  Вашего   требования   в
 письменной форме и подтверждения Вами письменно, что
     a) Вы  в  установленный  срок  не  получили  оплату  на  сумму,
 требуемую в соответствии с настоящей гарантией, и
     a) Вы поставили товар в  соответствии  с  условиями  указанного
 договора.
     К подтверждению     должны     быть     приложены      копия(и)
коммерческого(их) счета(ов) и отгрузочного документа.
     Общая сумма настоящей гарантии  уменьшается  на  сумму  каждого
платежа, совершенного нами в соответствии с ее условиями.
     С целью идентификации Ваше требование  платежа  по  гарантии  и
письменное  подтверждение должны быть представлены через ___________
(банк),  который  подтвердит,  что   лица,   подписавшие   указанные
документы, являются уполномоченными представителями Вашей фирмы.
     Наше обязательство  по  настоящей  гарантии  действительно   до
______________(_______________________) и  автоматически  утрачивает
силу полностью,  если мы не получим  Ваши  письменные  требования  о
платеже и подтверждение до этой даты (включительно).
     Представленные документы будут рассматриваться в соответствии с
Унифицированными    правилами    и    обычаями   для   документарных
аккредитивов, публикация МТП N 500, ред. 1993 г.

                                                        С уважением,
 Подписи:

Приложение 7

                      Гарантия возврата аванса
                         (примерная форма)

 Bank's name, and address of issuing branch or office

 Beneficiary: __________________       Date: ____________________

 Advance Payment Guarantee N ___

 Dear Sirs,

     Reference is  made  to  the  contract  N __  from _____ between
 _______________ (Principal) and ______________________(Beneficiary)
 re  delivery of _________ in the period _____________. According to
 the  terms  of  the  contract   Beneficiary  will  make  an advance
 payment of ___________(___% of contract value). As security for the
 claim for the refund of advance payment  an  indemnity  by  a  bank
 shall be furnished.
     In respect  thereof  at  the  request  of  Principal  we hereby
 irrevocably undertake to pay you on your first demand any amount up
 to  a  maximum  of ______________(___________________________) upon
 receipt of your written confirmation that the  amount  claimed  has
 fallen  due  and  Principal  have  not delivered the above goods in
 conformity with the terms of the contract.
     This payment obligation enters into force as soon  as  we  have
 received the above amount of (__________) in favour of Principal.
     It shall  lapse  on  the  dispatch  of  the  goods;  in case of
 part-shipments, it shall  lapse  in  proportion  to  the  value  of
 part-shipments concerned.
     Your written  confirmation  as mentioned above must reach us at
 the latest by _________(______),  otherwise our  payment obligation
 expires.
     Please return to us this Letter of Guarantee on the expiry date
 for cancellation.

 Signature(s):                                     Yours faithfully,

 Наименование и адрес банка (филиала) - гаранта

 Бенефициар: _____________                     Дата: _______________

 Гарантия возврата аванса N _____

 Согласно условиям договора N ______ от __________________ (Договор)
 между _________________________________________________ (Принципал)
 и ____________________________________________________ (Бенефициар)
 на поставку ___________________ в период __________________________
 Бенефициар оплачивает ______(___% стоимости Договора) авансом.
 В обеспечение возврата аванса выставляется банковская гарантия.
     Мы по поручению  Принципала  настоящим  безотзывно  гарантируем
 выплатить Вам любую сумму в пределах ____________(__________).
     Платеж будет  произведен  нами  по получении Вашего письменного
 заявления о том, что Принципал отказывается от возврата аванса и не
 поставил вышеназванный товар в соответствии с условиями Договора.
     Настоящая гарантия  вступает  в силу с момента получения нами в
 пользу Принципала вышеназванной суммы.
     Настоящая гарантия утрачивает силу  после  поставки  товара  по
 Договору.  При   частичных  поставках  сумма  гарантии  уменьшается
 пропорционально стоимости частичных поставок.
     Требования по настоящей гарантии могут быть  получены  нами  до
 ________, и по истечении этого срока гарантия утрачивает силу.
     Просим по истечении срока действия настоящей  гарантии  вернуть
 ее нам для аннулирования.

                                                        С уважением,
 Подписи:

Приложение 8

                        Гарантия исполнения
                         (примерная форма)

 Bank's name, and address of issuing branch or office

 Beneficiary: __________________       Date: ____________________

 Performance Bond N ___

 Dear Sirs,

     We have been informed that you have entered into  contract  No.
 _______ with __________________________, (hereinafter  called  "the
 Principal"),  dated _______ re delivery  of ___________________.
     In respect  thereof  at  the request of the Principal we hereby
 irrevocably undertake to pay you on your first demand any amount up
 to a maximum of _______________(____________________________),
     i.e. _____%  of contract value in case the  Principal  fail  to
 fulfill   their   obligations   stipulated  in  the  aforementioned
 contract.
     We will pay you the above-mentioned amount upon receipt of your
 written confirmation that the amount claimed has fallen due.
     This Undertaking enters into force as  soon  as  the  Principal
 have received an advice on opening of a documentary credit in their
 favour as per the contract.
     Any claim in connection with this Performance Bond  must  reach
 us at the latest by _____________, otherwise our payment obligation
 expires.
     Present Performance Bond becomes null and void if the  contract
 is canceled because of Beneficiary.
     This guarantee  is  subject  to  the  Uniform  Rules for Demand
 Guarantees, ICC Publication No.458.
     Please return to us this Performance Bond on  the  expiry  date
 for cancellation.

                                                   Yours faithfully,
 Signature(s):

 Наименование и адрес банка (филиала) - гаранта

 Бенефициар: _____________                  Дата: _______________

 Гарантия исполнения N _____

     Нам стало  известно,  что  Вы  заключили договор N ___ (далее -
 "Договор") с ___________________________________ (далее   именуемым
 "Принципал")  от ________ на  поставку _________________________.
     В связи  с  вышеизложенным мы настоящим по поручению Принципала
 безотзывно гарантируем выплату по Вашему первому  требованию  любую
 сумму в пределах ________(________________), составляющих _____% от
 суммы  Договора,  в  случае,  если  Принципал  не  выполнит   своих
 обязательств по Договору.
     Платеж будет произведен нами по  получении  Вашего  письменного
 заявления о   невыполнении   Принципалом   своих   обязательств  по
 договору.
     Настоящая гарантия  вступает  в  силу   с   момента   получения
 Принципалом авизо   об   открытии   в   его  пользу  аккредитива  в
 соответствии с Договором.
     Требования по настоящей гарантии могут быть предъявлены нам  до
 __________, и по истечении этого срока гарантия утрачивает силу.
     Настоящая гарантия  также  теряет  силу  в случае аннулирования
 Договора по вине Бенефициара.
     Настоящая гарантия  подчинена  Унифицированным   правилам   для
 гарантий по первому требованию, публикация МТП N 458.
     Просим по  истечении  срока действия настоящей гарантии вернуть
 ее нам для аннулирования.

                                                        С уважением,
 Подписи:

Приложение 9

                         Тендерная гарантия
                         (примерная форма)

 Bank's name, and address of issuing branch or office

 Beneficiary: __________________       Date: ____________________

 Bid Letter of Guarantee N ___

 Dear Sirs,

     We refer to the tender of _______________, (hereinafter  called
 "the Principal"),   in   connection   with   the  adjudication  for
 ______________________. At the request of the Principal  we  hereby
 irrevocably undertake to pay you on your first demand any amount up
 to  a  maximum  of __________________(____________________________)
 upon  receipt  of your written confirmation that the amount claimed
 has fallen due.
     This Undertaking remains in force until a decision is taken  on
 the tender  and  (in  the event of the tender being accepted) until
 such time as you and the Principal have signed a  contract  on  the
 matter, but will in any case, expire on the ___________.
     Consequently, any claim in respect thereof should be made to us
 by the ________________________________, at the latest.  Should  we
 receive no claim by that date, the present Letter of Guarantee will
 become null and void.
     Please return to us this Letter of Guarantee on the expiry date
 for cancellation.

                                                   Yours faithfully,
 Signature(s):

 Наименование и адрес банка (филиала) - гаранта

 Бенефициар: _____________                 Дата: _______________

 Тендерная гарантия N _____

     В связи  с  тем,  что ______________________ (далее   именуемый
 "Принципал") принимает    участие    в   торгах,   объявленных   на
 (указывается предмет торгов),  настоящим мы по поручению Принципала
 безотзывно    гарантируем    выплату   любой   суммы   в   пределах
 ________(______________________________________).
     Платеж будет произведен нами по  получении  вашего  письменного
 заявления о том, что Принципал выиграл торги и не подписал контракт
 в соответствии с первоначальными условиями торгов.
     Настоящая гарантия будет действительна  до  даты  объявления  о
 закрытии торгов  или  (в случае,  если Принципал выиграет торги) до
 подписания соответствующего договора между Вами и  Принципалом,  но
 не позже, чем до __________.
     В соответствии  с  этим требование по настоящей гарантии должно
 поступить к нам до _____________. Если  мы  до  указанной  даты  не
 получили  от  Вас требование по настоящей гарантии,  она утрачивает
 силу.
     Просим по истечении срока действия настоящей  гарантии  вернуть
 ее нам для аннулирования.

                                                        С уважением,
 Подписи:

Приложение 10

           Примерная форма поручения на выдачу гарантии

 Поручение _________________________________________________________
                       (наименование клиента)
 на выдачу гарантии ________________________________________________
                                (наименование банка)
 Просим выдать гарантию ____________________________________________
                                  (наименование банка)
 по прилагаемой форме в пользу _____________________________________
                                      (наименование бенефициара)
 в обеспечение наших обязательств __________________________________
 ___________________________________________________________________
  (характер обязательства: оплата товара, поставка, строительство
  и т.д.)
 по договору (тендеру) _____________________________________________
                                      (дата, номер)
 в сумме __________________________________________________________,
                        (цифрами и прописью)
 составляющей ________________% стоимости договора  (тендера) плюс %
 (сумма цифрами) за пользование кредитом ___________________________
                                           (указывается в случае
 ______________________________ в течение _____ лет на срок до ____.
  получения товарного кредита)
 Общая стоимость договора _________________________________________.
                                          (цифрами)
 Срок поставки (строительства) ____________________________________.
 Генеральное обязательство _________________________________________
                                   (наименование клиента)
 от _______________.
        (дата)
 Сумму  валютного  покрытия  по  гарантии  спишите  с  нашего  счета
 N _____________________.
 Дополнительные данные и инструкции ________________________________
 __________________________________________________________________.
 (форма составления      гарантии:     на     бумажном     носителе,
 телетрансмиссионное   сообщение;   порядок   направления   гарантии
 бенефициару;  порядок  уплаты  комиссии  за  совершение гарантийных
 операций и др.)
 Приложения ________________________________________________________
 ___________________________________________________________________

 Руководитель
                                       М.П.
 Главный бухгалтер

Приложение 11

             Примерная форма генерального обязательства
                   _____________________________
                       (наименование банка)

     Настоящим _____________________, именуемый(ая)   в   дальнейшем
              (наименование клиента)
 "принципал", обязуется возместить ____________________ по   первому
                                   (наименование банка)
 его требованию сумму (или  суммы), которую(ые) ____________________
                                                (наименование банка)
 может оказаться  вынужденным выплатить по какой-либо из выданных им
 или по его поручению другим банком гарантий по просьбе принципала в
 пользу  указанных  принципалом  лиц (бенефициаров).  В связи с этим
 принципал предоставляет _________________________ право списывать в
                           (наименование банка)
 надлежащих  случаях  выплаченные им суммы     с     текущего  счета
 принципала   в ____________________ N _________________.
                (наименование банка)

     Настоящее обязательство вступает в силу с даты выдачи  и  будет
 действительно    в течение     срока     действия      обязательств
 ___________________ по выданным им по просьбе принципала гарантиям.
 (наименование банка)

 Руководитель

 Главный бухгалтер                                 М.П.

Приложение 12

      Примерный текст поручения банку - корреспонденту на выдачу
            гарантии с предоставлением ему контргарантии

 Our ref.________.

 At the request of _____________, please issue on our responsibility
 in favour of __________ your guarantee in the following wording:

                               Quote
                        (Text of Guarantee)
                              Unquote

     In consideration  of  your issuing your guarantee as above,  we
 hereby give you our irrevocable counter-guarantee and undertake  to
 pay          you          any          amount         up         to
 ______________(____________________________) upon receipt by us  in
 this  office  no  later  than _____________________ of your written
 request. Such request must be accompanied by your written statement
 that you have received a demand for payment under your guarantee in
 accordance with its terms.

 Please confirm to us the issuance of your guarantee.
     _______________________________________________________________

 Наш N ___

 По поручению ___________ просим Вас под нашу ответственность выдать
 в пользу _________________ Вашу гарантию следующего содержания:
          (текст гарантии).

     При выдаче  Вами  гарантии,  как  указано  выше,  мы  настоящим
 предоставляем Вам нашу безотзывную  контргарантию  и  принимаем  на
 себя   обязательство   заплатить   Вам   любую   сумму  в  пределах
 (________)_________ по получении нами  в  нашем  банке  не  позднее
 ____________ Вашего письменного требования. Такое требование должно
 сопровождаться  Вашим   письменным   заявлением,   что   Вам   было
 предъявлено   требование   платежа  по  выданной  Вами  гарантии  в
 соответствии с ее условиями.

 Просим Вас подтвердить выдачу Вашей гарантии.

Приложение 13

    Примерная форма инкассового поручения (документарное инкассо)

 SI¦Remittance for collection¦                   ¦
 un¦and/or acceptance        ¦                   ¦
 bt¦Our N ----------    ¦       BANK        ¦
 je¦      ¦--------------    ¦                   ¦
 er¦to be quoted in all      ¦                   ¦
 cn¦correspondence           ¦                   ¦
 ta+-------------------------+-------------------+------------------
  t¦TO
 ti¦ADDRESS
 oo+----------------------------------------------------------------
  n¦REMITTER/DRAWER                        PAYER/DRAWEE
 ta¦
 hl+----------------------------------------------------------------
 e ¦
  C+-----+-------+---------+---------+-------+------+--------+------
 Uh¦     ¦       ¦transport¦insurance¦packing¦certi-¦specifi-¦
 na¦draft¦invoice¦documents¦policy   ¦list   ¦ficate¦cation  ¦
 im+-----+-------+---------+---------+-------+------+--------+------
 fb+-----+-------+---------+---------+-------+------+--------+------
 oe¦The second original of Bill of Lading will be sent to you by
 rr¦next air mail goods                      currency code
 m ¦                                                    -------
  o¦                                                    ¦  amount  ¦
 Rf+--T------------------------------+----T-------------+-----------
 u ¦  ¦Deliver documents against     ¦    ¦Deliver documents against
 lC¦  ¦payment                       ¦    ¦acceptance
 eo+--+------------------------------+----+-------------------------
 sm¦  ¦Deliver documents without payment against firm's written
  m¦  ¦engagament to pay the sum of collection within _________ days
 fe+--+-------------------------------------------------------------
 or¦  ¦Hold the accepted draft(s) N ________________________________
 rc¦  ¦in custody with you and at maturity present for payment
  e+--+-------------------------------------------------------------
 C,¦  ¦Return us the accepted draft(s) N ___________________________
 o +--+-------------------------------------------------------------
 lb¦  ¦Please credit our account with you/__________________________
 lr¦  ¦and advise/instructing them to advise us by air
 eo¦  ¦mail/telex/S.W.I.F.T.
 cc+--+-------------------------------------------------------------
 th¦  ¦Please ask your ____________________ Head office to authorize
 iu¦  ¦us to debit your/their account by air mail/telex/S.W.I.F.T.
 or+--+-------------------------------------------------------------
 ne¦  ¦Advise us of non-payment/non-acceptance by S.W.I.F.T./
   ¦  ¦telex/air mail stating reasons
 (N+--+-------------------------------------------------------------
 1 ¦  ¦Protest for non-payment. Return us draft(s) with act of
 95¦  ¦protest unless otherwise instructed
 92+--+-------------------------------------------------------------
 52¦  ¦Please pay documents in account of your guarantee N _________
 ) ¦  ¦of _________ for ________________ valid till ________________
   ¦  ¦in case payer doesn't effect payment at maturity.
 r +--+-------------------------------------------------------------
 e ¦  ¦All your charges are for account of payer/drawee.
 v +--+-------------------------------------------------------------
 i ¦  ¦Charges not to be waived.
 s +--+-------------------------------------------------------------
 i ¦  ¦ALL THE CORRESPONDENCE RELATIVE TO THIS COLLECTION SHOULD BE
 o ¦  ¦SENT ONLY TO BANK
 n +--+-------------------------------------------------------------
 ) ¦  ¦OTHER INSTRUCTIONS:
   +---                                            Yours faithfully,
   +--------+-------------------------+-------------------+---------
   ¦        ¦ Указанную сумму следует ¦                   ¦
   ¦        ¦ зачислить на счет N     ¦                   ¦
   ¦  М.П.  ¦                         ¦                   ¦ Подписи
   ¦--------+-------------------------+-------------------+---------

 И1¦Инкассовое поручение     ¦                   ¦
 н9¦   ----------       ¦                   ¦
 к9¦ N ¦Номер инкассо¦       ¦       БАНК        ¦
 а5¦   ¦--------------       ¦                   ¦
 с ¦Указывается на всех      ¦                   ¦
 сг¦документах               ¦    Дата запроса   ¦  Дата инкассо
 о.+-------------------------+-------------------+------------------
  )¦         Наименование и адрес банка-нерезидента
 п +-----------------------+----------------------------------------
 оп¦  наименование         ¦   наименование и адрес плательщика
 ду¦  клиента-принципала   ¦
 чб+-----------------------+----------------------------------------
 ил+------+-------+--------+T---------+---------+--------+--------T-
 ни¦тратта¦счет-  ¦транспор-¦страховой¦упаковоч-¦сертифи-¦специфи-¦
 як¦      ¦фактура¦тные     ¦полис    ¦ный лист ¦кат     ¦кация   ¦
 еа¦      ¦       ¦документы¦         ¦         ¦        ¦        ¦
 тц+------+-------+---------+---------+---------+--------+--------+-
 си¦      ¦       ¦         ¦         ¦         ¦        ¦        ¦
 яя+------+-------+---------+---------+---------+--------+--------+-
   ¦Второй оригинал коносамента будет отослан Вам следующей почтой
 УМ¦                                                 ----------
 не¦  товар                               код валюты ¦Сумма инкассо¦
 иж+--T------------------------------+----T----------+--------------
 фд¦  ¦Выдать документы против       ¦    ¦Выдать документы против
 иу¦  ¦платежа                       ¦    ¦акцепта
 цн+--+------------------------------+----+-------------------------
 иа¦  ¦Выдать документы против письменного обязательства фирмы
 рр¦  ¦оплатить сумму инкассо в течение ______________ дней.
 оо+--+-------------------------------------------------------------
 вд¦  ¦Держите акцептованную тратту(ты) N _________________________,
 ан¦  ¦а по наступлении срока предъявите к оплате.
 но+--+-------------------------------------------------------------
 нй¦  ¦Акцептованная тратта(ты) N ____ должна быть возвращена нам.
 ы +--+-------------------------------------------------------------
 мТ¦  ¦Кредитуйте наш счет у Вас/___________________________________
  о¦  ¦и известите нас/поручите им известить нас авиапочтой/по
 пр¦  ¦телексу/S.W.I.F.T.
 рг+--+-------------------------------------------------------------
 ао¦  ¦Просите Ваш ______________________ головной офис уполномочить
 вв¦  ¦нас авиапочтой/по телексу/S.W.I.F.T. дебетовать Ваш/их счет.
 ио+--+-------------------------------------------------------------
 лй¦  ¦Сообщите нам о неоплате/неакцепте по S.W.I.F.T./телексу/
 а ¦  ¦авиапочтой с указанием причин.
 мП+--+-------------------------------------------------------------
  а¦  ¦Опротестуйте в случае неплатежа. Верните наши тратты с
 пл¦  ¦приложением акта о неплатеже, если не будет других
 оа¦  ¦инструкций.
  т+--+-------------------------------------------------------------
 иы¦  ¦Оплатите документы в счет Вашей гарантии N __________________
 н ¦  ¦от _________ на _________________, действительной до ________
 кN¦  ¦в случае, если плательщик не осуществит платеж до наступления
 а ¦  ¦срока.
 с5+--+-------------------------------------------------------------
 с2¦  ¦Все Ваши расходы за счет плательщика/трассата.
 о2+--+-------------------------------------------------------------
   ¦  ¦Отказ от оплаты комиссии не допускается.
 ( +--+-------------------------------------------------------------
 р ¦  ¦Всю корреспонденцию, относящуюся к этому инкассо, следует
 е ¦  ¦направлять в БАНК
 д +--+-------------------------------------------------------------
 а ¦  ¦ДРУГИЕ ИНСТРУКЦИИ:
 к +---                                                 С уважением,
 ц +--------+-------------------------+-------------------+---------
 и ¦        ¦ Указанную сумму следует ¦                   ¦
 я ¦        ¦ зачислить на счет N     ¦                   ¦
   ¦  М.П.  ¦                         ¦                   ¦ Подписи
   ¦--------+-------------------------+-------------------+---------

Приложение 14

      Примерная форма инкассового поручения ("чистое" инкассо)

     Remittance for collection

S(o Our N                  ¦   BANK              ¦
u1f                        ¦                     ¦
b9  to be quoted in all    ¦                     ¦
j9C correspondence         ¦                     ¦ Дата инкассо
e5o -----------------------+---------------------+------------------
c m To
trm ----------------------------------------------------------------
 ee By order of our client ___________________________________ we
tvr are forwarding herewith for collection cheque(s)/Bill  of
oic Exchange(s) accepted drawn on __________
tse ----------------------------------------------------------------
hi,          PLEASE FOLLOW THE INSTRUCTIONS MARKED "X"
eo -----+-----------------------------------------------------------
 nb¦    ¦Please credit our account with you/_____________________
U)r¦    ¦and advise/instructing them to advise us by air mail/telex/
nIo¦    ¦S.W.I.F.T.
inc+----+-----------------------------------------------------------
fth¦    ¦Authorize us by S.W.I.F.T./telex/air mail to debit your
oeu¦    ¦account with us with proceeds
rrr+----+-----------------------------------------------------------
mne¦    ¦Advise us of non-payment by S.W.I.F.T./telex/air mail,
 a ¦    ¦stating reasons
RtN+----+-----------------------------------------------------------
ui ¦    ¦Protest  for non-payment or effect any other action
lo5¦    ¦foreseen by law reserving the right of regresso against
en2¦    ¦cheque-drawer/drawee for Bill of Exchange
sa2+----+-----------------------------------------------------------
 l ¦    ¦Return us Bill of Exchange with act of protest unless
f  ¦    ¦otherwise instructed
oC +----+-----------------------------------------------------------
rh ¦    ¦All your charges are for account of payer
 a ¦----+-----------------------------------------------------------
Cm
ob   No(s) of cheque(s)       amount              maturity date
le
lr   Bill of Exchange
e
c
t                          Yours faithfully,
i
o   Signatures:
n

     Инкассовое поручение

      --------        ¦                       ¦
    N ¦------------        ¦         БАНК          ¦
                           ¦                       ¦
    Указывается на всех    ¦                       ¦ Дата инкассо
    документах             ¦                       ¦
    -----------------------+-----------------------+----------------
         Наименование инкассирующего (представляющего) банка
    ----------------------------------------------------------------
    По поручению нашего клиента ____________________________________
    мы настоящим направляем на инкассо акцептованный(е) чек(и)/
    вексель(ля), выписанный(е) на __________.
    ----------------------------------------------------------------
 ИУп1МП
 нно9еа               СЛЕДУЙТЕ ИНСТРУКЦИЯМ, ПОМЕЧЕННЫМ "X"
 ки 9жл-----+-------------------------------------------------------
 афи5да¦    ¦Кредитуйте наш счет у Вас/ _____________________ и
 син ут¦    ¦известите нас/поручите им известить нас авиапочтой/по
 сцкгны¦    ¦телексу/S.W.I.F.T.
 оиа.а +----+-------------------------------------------------------
  рс)рN¦    ¦Разрешите нам дебетовать на требуемую сумму Ваш счет
 пос о ¦    ¦у нас.
 овопд5+----+-------------------------------------------------------
 да ун2¦    ¦Известите нас об отказе в платеже по S.W.I.F.T.
 чн(бо2¦    ¦/телексу/ авиапочтой, указав причины.
 инрлй +----+-------------------------------------------------------
 ныеи  ¦    ¦В случае неплатежа заявите протест или предпримите
 ямдкТ ¦    ¦другие действия, предусмотренные законодательством для
 е аао ¦    ¦осуществления права регресса к чекодателю/трассату.
 тпкцр +----+-------------------------------------------------------
 срциг ¦    ¦Верните нам вексель с приложением акта о протесте, если
 яаияо ¦    ¦не указано иное.
  вя в +----+-------------------------------------------------------
  и  о ¦    ¦Все Ваши расходы возмещаются за счет плательщиков.
  л  й ¦----+-------------------------------------------------------
  а
  м

         N чека(ов)            сумма                  дата оплаты

         Вексель

                                   С уважением,
 Подписи:

Приложение 15

ДОКУМЕНТЫ, ИСПОЛЬЗУЕМЫЕ ПРИ ОСУЩЕСТВЛЕНИИ ОПЕРАЦИЙ ПО АККРЕДИТИВАМ, ГАРАНТИЯМ И ИНКАССО

1. УНИФИЦИРОВАННЫЕ ПРАВИЛА И ОБЫЧАИ ДЛЯ ДОКУМЕНТАРНЫХ АККРЕДИТИВОВ МЕЖДУНАРОДНОЙ ТОРГОВОЙ ПАЛАТЫ В РЕДАКЦИИ 1993 ГОДА, ПУБЛИКАЦИЯ N 500 (текст на английском языке и перевод на русский язык)

ICC UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS UCP 500

A. General Provisions and Definitions

Article 1. Application of UCP

The Uniform Customs and Practice for Documentary Credits, 1993 Revision, ICC Publication N500, shall apply to all Documentary Credits (including to the extent to which they may be applicable, Standby Letter(s) of Credit) where they are incorporated into the text of the Credit. They are binding on all parties thereto, unless otherwise expressly stipulated in the Credit.

Article 2. Meaning of Credit

For the purposes of these Articles, the expressions "Documentary Credit(s)" and "Standby Letter(s) of Credit" (hereinafter referred to as "Credit(s)"), mean any arrangement, however named or described, whereby a bank (the "Issuing Bank") acting at the request and on the instructions of a customer (the "Applicant") or on its own behalf,

i. is to make a payment to or to the order of a third party (the "Beneficiary"), or

is to accept and pay bills of exchange (Draft(s)) drawn by the Beneficiary, or

ii. authorizes another bank to effect such payment, or

to accept and pay such bills of exchange (Draft(s)), or

iii. authorizes another bank to negotiate, against stipulated document(s), provided that the terms and conditions of the Credit are complied with. For the purposes of these Articles, branches of a bank in different countries are considered another bank.

Article 3. Credits v. Contracts

a. Credits, by their nature, are separate transactions from the sales or other contract(s) on which they may be based and banks are in no way concerned with or bound by such contract(s), even if any reference whatsoever to such contract(s) is included in the Credit. Consequently, the undertaking of a bank to pay, accept and pay Draft(s) or negotiate and/or to fulfill any other obligation under the Credit, is not subject to claims or defenses by the Applicant resulting from his relationships with the Issuing Bank or the Beneficiary.

b. A Beneficiary can in no case avail himself of the contractual relationships existing between the banks or between the Applicant and the Issuing Bank.

Article 4. Documents v. Goods/Services/Performances

In Credit operations all parties concerned deal with documents, and not with goods, services and/or other performances to which the documents may relate.

Article 5. Instructions to Issue/Amend Credits

a. Instructions for the issuance of a Credit, the Credit itself, instructions for an amendment thereto, and the amendment itself, must be complete and precise.

In order to guard against confusion and misunderstanding, banks should discourage any attempt:

i. to include excessive detail in the Credit or in any amendment thereto;

ii. to give instructions to issue, advise or confirm a Credit by reference to a Credit previously issued (similar Credit) where such previous Credit has been subject to accepted amendment(s), and/or unaccepted amendment(s).

b. All instructions for the issuance of a Credit and the Credit itself and, where applicable, all instructions for an amendment thereto and the amendment itself, must state precisely the document(s) against which payment, acceptance or negotiation is to be made.

B. Form and Notification of Credits

Article 6. Revocable v. Irrevocable Credits

a. A Credit may be either

i. revocable, or

ii. irrevocable.

b. The Credit, therefore, should clearly indicate whether it is revocable or irrevocable.

c. In the absence of such indication the Credit shall be deemed to be irrevocable.

Article 7. Advising Bank's Liability

a. A Credit may be advised to a Beneficiary through another bank (the "Advising Bank") without engagement on the part of the Advising Bank, but that bank, if it elects to advise the Credit, shall take reasonable care to check the apparent authenticity of the Credit which it advises. If the bank elects not to advise the Credit, it must so inform the Issuing Bank without delay.

b. If the Advising Bank cannot establish such apparent authenticity it must inform, without delay, the bank from which the instructions appear to have been received that it has been unable to establish the authenticity of the Credit and if it elects nonetheless to advise the Credit it must inform the Beneficiary that it has not been able to establish the authenticity of the Credit.

Article 8. Revocation of a Credit

a. A revocable Credit may be amended or canceled by the Issuing Bank at any moment and without prior notice to the Beneficiary.

b. However, the Issuing Bank must:

i. reimburse another bank with which a revocable Credit has been made available for sight payment, acceptance or negotiation - for any payment, acceptance or negotiation made by such bank - prior to receipt by it of notice of amendment or cancellation, against documents which appear on their face to be in compliance with the terms and conditions of the Credit;

ii. reimburse another bank with which a revocable Credit has been made available for deferred payment, if such a bank has, prior to receipt by it of notice of amendment or cancellation, taken up documents which appear on their face to be in compliance with the terms and conditions of the Credit.

Article 9. Liability of Issuing and Confirming Banks

a. An irrevocable Credit constitutes a definite undertaking of the Issuing Bank, provided that the stipulated documents are presented to the Nominated Bank or to the Issuing Bank and that the terms and conditions of the Credit are complied with:

i. if the Credit provides for sight payment - to pay at sight;

ii. if the Credit provides for deferred payment - to pay on the maturity date(s) determinable in accordance with the stipulations of the Credit;

iii. if the Credit provides for acceptance:

a. by the Issuing Bank - to accept Draft(s) drawn by the Beneficiary on the Issuing Bank and pay them at maturity, or

b. by another drawee bank - to accept and pay at maturity Draft(s) drawn by the Beneficiary on the Issuing Bank in the event the drawee bank stipulated in the Credit does not accept Draft(s) drawn on it, or to pay Draft(s) accepted but not paid by such drawee bank at maturity;

iv. if the Credit provides for negotiation - to pay without recourse to drawers and/or bona fide holders, Draft(s) drawn by the Beneficiary and/or document(s) presented under the Credit. A Credit should not be issued available by Draft(s) on the Applicant. If the Credit nevertheless calls for Draft(s) on the Applicant, banks will consider such Draft(s) as an additional document(s).

c. i. If another bank is authorized or requested by the Issuing Bank to add its confirmation to a Credit but is not prepared to do so, it must so inform the Issuing Bank without delay.

ii. Unless the Issuing Bank specifies otherwise in its authorization or request to add confirmation, the Advising Bank may advise the Credit to the Beneficiary without adding its confirmation.

d. i. Except as otherwise provided by Article 48, an irrevocable Credit can neither be amended nor canceled without the agreement of the Issuing Bank, the Confirming Bank, if any, and the Beneficiary.

ii. The Issuing Bank shall be irrevocably bound by an amendment(s) issued by it from the time of the issuance of such amendment(s). A Confirming Bank may extend its confirmation to an amendment and shall be irrevocably bound as of the time of its advice of the amendment. A Confirming Bank may, however, choose to advise an amendment to the Beneficiary without extending its confirmation and if so, must inform the Issuing Bank and the Beneficiary without delay.

iii. The terms of the original Credit (or a Credit incorporating previously accepted amendment(s)) will remain in force for the Beneficiary until the Beneficiary communicates his acceptance of the amendment to the bank that advised such amendment. The Beneficiary should give notification of acceptance or rejection of amendment(s). If the Beneficiary fails to give such notification, the tender of documents to the Nominated Bank or Issuing Bank, that conform to the Credit and to not yet accepted amendment(s), will be deemed to be notification of acceptance by the Beneficiary of such amendment(s) and as of that moment the Credit will be amended.

iv. Partial acceptance of amendments contained in one and the same advice of amendment is not allowed and consequently will not be given any effect.

Article 10. Types of Credit

a. All Credits must clearly indicate whether they are available by sight payment, by deferred payment, by acceptance or by negotiation.

b. i. Unless the Credit stipulates that it is available only with the Issuing Bank, all Credits must nominate the bank (the "Nominated Bank") which is authorized to pay, to incur a deferred payment undertaking, to accept Draft(s) or to negotiate. In a freely negotiable Credit, any bank is a Nominated Bank. Presentation of documents must be made to the Issuing Bank or the Confirming Bank, if any, or any other Nominated Bank.

ii. Negotiation means the giving of value for Draft(s) and/or document(s) by the bank authorized to negotiate. Mere examination of the documents without giving of value does not constitute a negotiation.

c. Unless the Nominated Bank is the Confirming Bank, nomination by the Issuing Bank does not constitute any undertaking by the Nominated Bank to pay, to incur a deferred payment undertaking, to accept Draft(s), or to negotiate. Except where expressly agreed to by the Nominated Bank and so communicated to the Beneficiary, the Nominated Bank's receipt of and/or examination and/or forwarding of the documents does not make that bank liable to pay, to incur a deferred payment undertaking, to accept Draft(s), or to negotiate.

d. By nominating another bank, or by allowing for negotiation by any bank, or by authorizing or requesting another bank to add its confirmation, the Issuing Bank authorizes such bank to pay, accept Draft(s) or negotiate as the case may be, against documents which appear on their face to be in compliance with the terms and conditions of the Credit and undertakes to reimburse such bank in accordance with the provisions of these Articles.

Article 11. Teletransmitted and Pre-Advised Credits

a. i. When an Issuing Bank instructs an Advising Bank by an authenticated teletransmission to advise a Credit or an amendment to a Credit, the teletransmission will be deemed to be the operative Credit instrument or the operative amendment, and no mail confirmation should be sent. Should a mail confirmation nevertheless be sent, it will have no effect and the Advising Bank will have no obligation to check such mail confirmation against the operative Credit instrument or the operative amendment received by teletransmission.

ii. If the teletransmission states "full details to follow" (or words of similar effect) or states that the mail confirmation is to be the operative Credit instrument or the operative amendment, then the teletransmission will not be deemed to be the operative Credit instrument or the operative amendment. The Issuing Bank must forward the operative Credit instrument or the operative amendment to such Advising Bank without delay.

b. If a bank uses the services of an Advising Bank to have the Credit advised to the Beneficiary, it must also use the services of the same bank for advising an amendment(s).

c. A preliminary advice of the issuance or amendment of an irrevocable Credit (pre-advice), shall only be given by an Issuing Bank if such bank is prepared to issue the operative Credit instrument or the operative amendment thereto. Unless otherwise stated in such preliminary advice by the Issuing Bank, an Issuing Bank having given such pre-advice shall be irrevocably committed to issue or amend the Credit, in terms not inconsistent with the preadvice, without delay.

Article 12. Incomplete or Unclear Instructions

If incomplete or unclear instructions are received to advise, confirm or amend a Credit, the bank requested to act on such instructions may give preliminary notification to the Beneficiary for information only and without responsibility. This preliminary notification should state clearly that the notification is provided for information only and without the responsibility of the Advising Bank. In any event, the Advising Bank must inform the Issuing Bank of the action taken and request it to provide the necessary information.

The Issuing Bank must provide the necessary information without delay. The Credit will be advised, confirmed or amended, only when complete and clear instructions have been received and if the Advising Bank is then prepared to act on the instructions.

C. Liabilities and Responsibilities

Article 13. Standard for Examination of Documents

a. Banks must examine all documents stipulated in the Credit with reasonable care, to ascertain whether or not they appear, on their face, to be in compliance with the terms and conditions of the Credit. Compliance of the stipulated documents on their face with the terms and conditions of the Credit, shall be determined by international standard banking practice as reflected in these Articles. Documents which appear on their face to be inconsistent with one another will be considered as not appearing on their face to be in compliance with the terms and conditions of the Credit.

Documents not stipulated in the Credit will not be examined by banks. If they receive such documents, they shall return them to the presenter or pass them on without responsibility.

b. The Issuing Bank, the Confirming Bank, if any, or a Nominated Bank acting on their behalf, shall each have a reasonable time, not to exceed seven banking days following the day of receipt of the documents, to examine the documents and determine whether to take up or refuse the documents and to inform the party from which it received the documents accordingly.

c. If a Credit contains conditions without stating the document(s) to be presented in compliance therewith, banks will deem such conditions as not stated and will disregard them.

Article 14. Discrepant Documents and Notice

a. When the Issuing Bank authorises another bank to pay, incur a deferred payment undertaking, accept Draft(s), or negotiate against documents which appear on their face to be in compliance with the terms and conditions of the Credit, the Issuing Bank and the Confirming Bank, if any, are bound:

i. to reimburse the Nominated Bank which has paid, incurred a deferred payment undertaking, accepted Draft(s), or negotiated,

ii. to take up the documents.

b. Upon receipt of the documents the Issuing Bank and/or Confirming Bank, if any, or a Nominated Bank acting on their behalf, must determine on the basis of the documents alone whether or not they appear on their face to be in compliance with the terms and conditions of the Credit. If the documents appear on their face not to be in compliance with the terms and conditions of the Credit, such banks may refuse to take up the documents.

c. If the Issuing Bank determines that the documents appear on their face not to be in compliance with the terms and conditions of the Credit, it may in its sole judgment approach the Applicant for a waiver of the discrepancy(ies). This does not, however, extend the period mentioned in sub-Article 13 (b).

d. i. If the Issuing Bank and/or Confirming Bank, if any, or a Nominated Bank acting on their behalf, decides to refuse the documents, it must give notice to that effect by telecommunication or, if that is not possible, by other expeditious means, without delay but no later than the close of the seventh banking day following the day of receipt of the documents. Such notice shall be given to the bank from which it received the documents, or to the Beneficiary, if it received the documents directly from him.

ii. Such notice must state all discrepancies in respect of which the bank refuses the documents and must also state whether it is holding the documents at the disposal of, or is returning them to, the presenter.

iii. The Issuing Bank and/or Confirming Bank, if any, shall then be entitled to claim from the remitting bank refund, with interest, of any reimbursement which has been made to that bank.

e. If the Issuing Bank and/or Confirming Bank, if any, fails to act in accordance with the provisions of this Article and/or fails to hold the documents at the disposal of, or return them to the presenter, the Issuing Bank and/or Confirming Bank, if any, shall be precluded from claiming that the documents are not in compliance with the terms and conditions of the Credit.

f. If the remitting bank draws the attention of the Issuing Bank and/or Confirming Bank, if any, to any discrepancy(ies) in the document(s) or advises such banks that it has paid, incurred a deferred payment undertaking, accepted Draft(s) or negotiated under reserve or against an indemnity in respect of such discrepancy(ies), the Issuing Bank and/or Confirming Bank, if any, shall not be thereby relieved from any of their obligations under any provision of this Article. Such reserve or indemnity concerns only the relations between the remitting bank and the party towards whom the reserve was made, or from whom, or on whose behalf, the indemnity was obtained.

Article 15. Disclaimer on Effectiveness of Documents

Banks assume no liability or responsibility for the form, sufficiency, accuracy, genuineness, falsification or legal effect of any document(s), or for the general and/or particular conditions stipulated in the document(s) or superimposed thereon; nor do they assume any liability or responsibility for the description, quantity, weight, quality, condition, packing, delivery, value or existence of the goods represented by any document(s), or for the good faith or acts and/or omissions, solvency, performance or standing of the consignors, the carriers, the forwarders, the consignees or the insurers of the goods, or any other person whomsoever.

Article 16. Disclaimer on the Transmission of Messages

Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message(s), letter(s) or document(s), or for delay, mutilation or other error(s) arising in the transmission of any telecommunication. Banks assume no liability or responsibility for errors in translation and/or interpretation of technical terms, and reserve the right to transmit Credit terms without translating them.

Article 17. Force Majeure

Banks assume no liability or responsibility for the consequences arising out of the interruption of their business by Acts of God, riots, civil commotions, insurrections, wars or any other causes beyond their control, or by any strikes or lockouts. Unless specifically authorized, banks will not, upon resumption of their business, pay, incur a deferred payment undertaking, accept Draft(s) or negotiate under Credits which expired during such interruption of their business.

Article 18. Disclaimer for Acts of an Instructed Party

a. Banks utilizing the services of another bank or other banks for the purpose of giving effect to the instructions of the Applicant do so for the account and at the risk of such Applicant.

b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).

c. i. A party instructing another party to perform services is liable for any charges, including commissions, fees, costs or expenses incurred by the instructed party in connection with its instructions.

ii. Where a Credit stipulates that such charges are for the account of a party other than the instructing party, and charges cannot be collected, the instructing party remains ultimately liable for the payment thereof.

d. The Applicant shall be bound by and liable to indemnify the banks against all obligations and responsibilities imposed by foreign laws and usage.

Article 19. Bank-to-Bank Reimbursement Arrangements

a. If an Issuing Bank intends that the reimbursement to which a paying, accepting or negotiating bank is entitled, shall be obtained by such bank (the "Claiming Bank"), claiming on another party (the "Reimbursing Bank"), it shall provide such Reimbursing Bank in good time with the proper instructions or authorization to honour such reimbursement claims.

b. Issuing Banks shall not require a Claiming Bank to supply a certificate of compliance with the terms and conditions of the Credit to the Reimbursing Bank.

c. An Issuing Bank shall not be relieved from any of its obligations to provide reimbursement if and when reimbursement is not received by the Claiming Bank from the Reimbursing Bank.

d. The Issuing Bank shall be responsible to the Claiming Bank for any loss of interest if reimbursement is not provided by the Reimbursing Bank on first demand, or as otherwise specified in the Credit, or mutually agreed, as the case may be.

e. The Reimbursing Bank's charges should be for the account of the Issuing Bank. However, in cases where the charges are for the account of another party, it is the responsibility of the Issuing Bank to so indicate in the original Credit and in the reimbursement authorization. In cases where the Reimbursing Bank's charges are for the account of another party they shall be collected from the Claiming Bank when the Credit is drawn under. In cases where the Credit is not drawn under, the Reimbursing Bank's charges remain the obligation of the Issuing Bank.

D. Documents

Article 20. Ambiguity as to the Issuers of Documents

a. Terms such as "first class", "well known", "qualified", "independent", "official", "competent", "local" and the like, shall not be used to describe the issuers of any document(s) to be presented under a Credit. If such terms are incorporated in the Credit, banks will accept the relative document(s) as presented, provided that it appears on its face to be in compliance with the other terms and conditions of the Credit and not to have been issued by the Beneficiary.

b. Unless otherwise stipulated in the Credit, banks will also accept as an original document(s), a document(s) produced or appearing to have been produced:

i. by reprographic, automated or computerized systems;

ii. as carbon copies;

provided that it is marked as original and, where necessary, appears to be signed.

A document may be signed by handwriting, by facsimile signature, by perforated signature, by stamp, by symbol, or by any other mechanical or electronic method of authentication.

c. i. Unless otherwise stipulated in the Credit, banks will accept as a copy(ies), a document(s) either labeled copy or not marked as an original - a copy(ies) need not be signed.

ii. Credits that require multiple document(s) such as "duplicate", "two fold", "two copies" and the like, will be satisfied by the presentation of one original and the remaining number in copies except where the document itself indicates otherwise.

d. Unless otherwise stipulated in the Credit, a condition under a Credit calling for a document to be authenticated, validated, legalized, visaed, certified or indicating a similar requirement, will be satisfied by any signature, mark, stamp or label on such document that on its face appears to satisfy the above condition.

Article 21. Unspecified Issuers or Contents of Documents

When documents other than transport documents, insurance documents and commercial invoices are called for, the Credit should stipulate by whom such documents are to be issued and their wording or data content. If the Credit does not so stipulate, banks will accept such documents as presented, provided that their data content is not inconsistent with any other stipulated document presented.

Article 22. Issuance Date of Documents v. Credit Date

Unless otherwise stipulated in the Credit, banks will accept a document bearing a date of issuance prior to that of the Credit, subject to such document being presented within the time limits set out in the Credit and in these Articles.

Article 23. Marine/Ocean Bill of Lading

a. If a Credit calls for a bill of lading covering a port-to-port shipment, banks will, unless otherwise stipulated in the Credit, accept a document, however named, which:

i. appears on its face to indicate the name of the carrier and to have been signed or otherwise authenticated by:

- the carrier or a named agent for or on behalf of the carrier, or

- the master or a named agent for or on behalf of the master. Any signature or authentication of the carrier or master must be identified as carrier or master, as the case may be. An agent signing or authenticating for the carrier or master must also indicate the name and the capacity of the party, i.e. carrier or master, on whose behalf that agent is acting, and

ii. indicates that the goods have been loaded on board, or shipped on a named vessel.

Loading on board or shipment on a named vessel may be indicated by pre-printed wording on the bill of lading that the goods have been loaded on board a named vessel or shipped on a named vessel, in which case the date of issuance of the bill of lading will be deemed to be the date of loading on board and the date of shipment.

In all other cases loading on board a named vessel must be evidenced by a notation on the bill of lading which gives the date on which the goods have been loaded on board, in which case the date of the on board notation will be deemed to be the date of shipment.

If the bill of lading contains the indication "intended vessel", or similar qualification in relation to the vessel, loading on board a named vessel must be evidenced by an on board notation on the bill of lading which, in addition to the date on which the goods have been loaded on board, also includes the name of the vessel on which the goods have been loaded, even if they have been loaded on the vessel named as the "intended vessel".

If the bill of lading indicates a place of receipt or taking in charge different from the port of loading, the on board notation must also include the port of loading stipulated in the Credit and the name of the vessel on which the goods have been loaded, even if they have been loaded on the vessel named in the bill of lading. This provision also applies whenever loading on board the vessel is indicated by pre-printed wording on the bill of lading, and

iii. indicates the port of loading and the port of discharge stipulated in the Credit, notwithstanding that it:

a. indicates a place of taking in charge different from the port of loading, and/or a place of final destination different from the port of discharge, and/or

b. contains the indication "intended" or similar qualification in relation to the port of loading and/or port of discharge, as long as the document also states the ports of loading and/or discharge stipulated in the Credit, and

iv. consists of a sole original bill of lading or, if issued in more than one original, the full set as so issued, and

v. appears to contain all of the terms and conditions of carriage, or some of such terms and conditions by reference to a source or document other than the bill of lading (short form/blank back bill of lading); banks will not examine the contents of such terms and conditions, and

vi. contains no indication that it is subject to a charter party and/or no indication that the carrying vessel is propelled by sail only, and

vii. in all other respects meets the stipulations of the Credit.

b. For the purpose of this Article, transshipment means unloading and reloading from one vessel to another vessel during the course of ocean carriage from the port of loading to the port of discharge stipulated in the Credit.

c. Unless transshipment is prohibited by the terms of the Credit, banks will accept a bill of lading which indicates that the goods will be transshipped, provided that the entire ocean carriage is covered by one and the same bill of lading.

d. Even if the Credit prohibits transshipment, banks will accept a bill of lading which:

i. indicates that transshipment will take place as long as the relevant cargo is shipped in Container(s), Trailer(s) and/or "LASH" barge(s) as evidenced by the bill of lading, provided that the entire ocean carriage is covered by one and the same bill of lading, and/or

ii. incorporates clauses stating that the carrier reserves the right to transship.

Article 24. Non-Negotiable Sea Waybill

a. If a Credit calls for a non-negotiable sea waybill covering a port-to-port shipment, banks will, unless otherwise stipulated in the Credit, accept a document, however named, which:

i. appears on its face to indicate the name of the carrier and to have been signed or otherwise authenticated by:

- the carrier or a named agent for or on behalf of the carrier, or

- the master or a named agent for or on behalf of the master, Any signature or authentication of the carrier or master must be identified as carrier or master, as the case may be. An agent signing or authenticating for the carrier or master must also indicate the name and the capacity of the party, i.e. carrier or master, on whose behalf that agent is acting, and

ii. indicates that the goods have been loaded on board, or shipped on a named vessel.

Loading on board or shipment on a named vessel may be indicated by pre-printed wording on the non-negotiable sea waybill that the goods have been loaded on board a named vessel or shipped on a named vessel, in which case the date of issuance of the non-negotiable sea waybill will be deemed to be the date of loading on board and the date of shipment.

In all other cases loading on board a named vessel must be evidenced by a notation on the non-negotiable sea waybill which gives the date on which the goods have been loaded on board, in which case the date of the on board notation will be deemed to be the date of shipment.

If the non-negotiable sea waybill contains the indication "intended vessel", or similar qualification in relation to the vessel, loading on board a named vessel must be evidenced by an on board notation on the non-negotiable sea waybill which, in addition to the date on which the goods have been loaded on board, includes the name of the vessel on which the goods have been loaded, even if they have been loaded on the vessel named as the "intended vessel".

If the non-negotiable sea waybill indicates a place of receipt or taking in charge different from the port of loading, the on board notation must also include the port of loading stipulated in the Credit and the name of the vessel on which the goods have been loaded, even if they have been loaded on a vessel named in the non-negotiable sea waybill. This provision also applies whenever loading on board the vessel is indicated by pre-printed wording on the non-negotiable sea waybill, and

iii. indicates the port of loading and the port of discharge stipulated in the Credit, notwithstanding that it:

a. indicates a place of taking in charge different from the port of loading, and/or a place of final destination different from the port of discharge, and/or

iv. consists of a sole original non-negotiable sea waybill, or if issued in more than one original, the full set as so issued, and

v. appears to contain all of the terms and conditions of carriage, or some of such terms and conditions by reference to a source or document other than the non-negotiable sea waybill (short form/blank back non-negotiable sea waybill); banks will not examine the contents of such terms and conditions, and

vi. contains no indication that it is subject to a charter party and/or no indication that the carrying vessel is propelled by sail only, and

vii. in all other respects meets the stipulations of the Credit.

c. Unless transshipment is prohibited by the terms of the Credit, banks will accept a non-negotiable sea waybill which indicates that the goods will be transshipped, provided that the entire ocean carriage is covered by one and the same non-negotiable sea waybill.

d. Even if the Credit prohibits transshipment, banks will accept a non-negotiable sea waybill which:

i. indicates that transshipment will take place as long as the relevant cargo is shipped in Container(s), Trailer(s) and/or "LASH" barge(s) as evidenced by the non-negotiable sea waybill, provided that the entire ocean carriage is covered by one and the same non-negotiable sea waybill, and/or

ii. incorporates clauses stating that the carrier reserves the right to transship.

Article 25. Charter Party Bill of Lading

a. If a Credit calls for or permits a charter party bill of lading, banks will, unless otherwise stipulated in the Credit, accept a document, however named, which:

i. contains any indication that it is subject to a charter party, and

ii. appears on its face to have been signed or otherwise authenticated by:

- the master or a named agent for or on behalf of the master, or

- the owner or a named agent for or on behalf of the owner.

Any signature or authentication of the master or owner must be identified as master or owner as the case may be. An agent signing or authenticating for the master or owner must also indicate the name and the capacity of the party, i.e. master or owner, on whose behalf that agent is acting, and

iii. does or does not indicate the name of the carrier, and

iv. indicates that the goods have been loaded on board or shipped on a named vessel.

v. indicates the port of loading and the port of discharge stipulated in the Credit, and

vi. consists of a sole original bill of lading or, if issued in more than one original, the full set as so issued, and

vii. contains no indication that the carrying vessel is propelled by sail only, and

viii. in all other respects meets the stipulations of the Credit.

b. Even if the Credit requires the presentation of a charter party contract in connection with a charter party bill of lading, banks will not examine such charter party contract, but will pass it on without responsibility on their part.

Article 26. Multimodal Transport Document

a. If a Credit calls for a transport document covering at least two different modes of transport (multimodal transport), banks will, unless otherwise stipulated in the Credit, accept a document, however named, which:

i. appears on its face to indicate the name of the carrier or multimodal transport operator and to have been signed or otherwise authenticated by:

- the carrier or multimodal transport operator or a named agent for or on behalf of the carrier or multimodal transport operator, or

- the master or a named agent for or on behalf of the master.

Any signature or authentication of the carrier, multimodal transport operator or master must be identified as carrier, multimodal transport operator or master, as the case may be. An agent signing or authenticating for the carrier, multimodal transport operator or master must also indicate the name and the capacity of the party, i.e. carrier, multimodal transport operator or master, on whose behalf that agent is acting, and

ii. indicates that the goods have been dispatched, taken in charge or loaded on board.

Dispatch, taking in charge or loading on board may be indicated by wording to that effect on the multimodal transport document and the date of issuance will be deemed to be the date of dispatch, taking in charge or loading on board and the date of shipment. However, if the document indicates, by stamp or otherwise, a date of dispatch, taking in charge or loading on board, such date will be deemed to be the date of shipment, and

iii. a. indicates the place of taking in charge stipulated in the Credit which may be different from the port, airport or place of loading, and the place of final destination stipulated in the Credit which may be different from the port, airport or place of discharge, and/or

b. contains the indication "intended" or similar qualification in relation to the vessel and/or port of loading and/or port of discharge, and

iv. consists of a sole original multimodal transport document or, if issued in more than one original, the full set as so issued, and

v. appears to contain all of the terms and conditions of carriage, or some of such terms and conditions by reference to a source or document other than the multimodal transport document (short form/blank back multimodal transport document), banks will not examine the contents of such terms and conditions, and

vi. contains no indication that it is subject to a charter party and/or no indication that the carrying vessel is propelled by sail only, and

viii. in all other respects meets the stipulations of the Credit.

b. Even if the Credit prohibits transshipment, banks will accept a multimodal transport document which indicates that transshipment will or may take place, provided that the entire carriage is covered by one and the same multimodal transport document.

Article 27. Air Transport Document

a. If a Credit calls for an air transport document, banks will, unless otherwise stipulated in the Credit, accept a document, however named, which:

i. appears on its face to indicate the name of the carrier and to have been signed or otherwise authenticated by:

- the carrier, or

- a named agent for or on behalf of the carrier.

Any signature or authentication of the carrier must be identified as carrier. An agent signing or authenticating for the carrier must also indicate the name and the capacity of the party, i.e. carrier, on whose behalf that agent is acting, and

ii. indicates that the goods have been accepted for carriage, and

iii. where the Credit calls for an actual date of dispatch, indicates a specific notation of such date, the date of dispatch so indicated on the air transport document will be deemed to be the date of shipment.

For the purpose of this Article, the information appearing in the box on the air transport document (marked "For Carrier Use Only" or similar expression) relative to the flight number and date will not be considered as a specific notation of such date of dispatch.

In all other cases, the date of issuance of the air transport document will be deemed to be the date of shipment, and

iv. indicates the airport of departure and the airport of destination stipulated in the Credit, and

v. appears to be the original for consignor/shipper even if the Credit

stipulates a full set of originals, or similar expressions, and

vi. appears to contain all of the terms and conditions of carriage, or some of such terms and conditions, by reference to a source or document other than the air transport document; banks will not examine the contents of such terms and conditions,

vii. in all other respects meets the stipulations of the Credit.

b. For the purpose of this Article, transshipment means unloading and reloading from one aircraft to another aircraft during the course of carriage from the airport of departure to the airport of destination stipulated in the Credit.

c. Even if the Credit prohibits transshipment, banks will accept an air transport document which indicates that transshipment will or may take place, provided that the entire carriage is covered by one and the same air transport document.

Article 28. Road, Rail or Inland Waterway Transport Documents

a. If a Credit calls for a road, rail, or inland waterway transport document, banks will, unless otherwise stipulated in the Credit, accept a document of the type called for, however named, which:

i. appears on its face to indicate the name of the carrier and to have been signed or otherwise authenticated by the carrier or a named agent for or on behalf of the carrier and/or to bear a reception stamp or other indication of receipt by the carrier or a named agent for or on behalf of the carrier.

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