サービスの貿易に関する一般協定の第五議定書 
サービスの貿易に関する一般協定の第五議定書
FIFTH PROTOCOL TO THE GENERAL AGREEMENT ON TRADE IN SERVICES

　サービスの貿易に関する一般協定の第五議定書

　FIFTH PROTOCOL TO THE GENERAL AGREEMENT ON TRADE IN SERVICES


　金融サービスに関する自国の特定の約束に係る表又はサービスの貿易に関する一般協定第二条の免除に係る表をこの議定書に附属させる世界貿易機関(WTO)の加盟国(以下「関係加盟国」という。)は、

　Members of the World Trade Organization (hereinafter referred to as the "WTO") whose Schedules of Specific Commitments and Lists of Exemptions from Article II of the General Agreement on Trade in Services concerning financial services are annexed to this Protocol (hereinafter referred to as "Members concerned"),


　千九百九十五年七月二十一日にサービスの貿易に関する理事会によって採択された金融サービスに関する第二決定(S/L/第九号)に基づき交渉を行い、

　Having carried out negotiations under the terms of the Second Decision on Financial Services adopted by the Council for Trade in Services on 21 July 1995 (S/L/9),


　次のとおり協定する。

　Agree as follows:


1　この議定書に附属する金融サービスに関する関係加盟国の特定の約束に係る表又は第二条の免除に係る表は、この議定書が当該関係加盟国について効力を生ずる時に、当該関係加盟国の特定の約束に係る表又は第二条の免除に係る表の金融サービスに関する部分に代わるものとする。

1. A Schedule of Specific Commitments and a List of Exemptions from Article II concerning financial services annexed to this Protocol relating to a Member shall, upon the entry into force of this Protocol for that Member, replace the financial services sections of the Schedule of Specific Commitments and the List of Article II Exemptions of that Member.


2　この議定書は、千九百九十九年一月二十九日まで関係加盟国による署名その他の方法によって行う受諾のために開放しておく。

2. This Protocol shall be open for acceptance, by signature or otherwise, by the Members concerned until 29 January 1999.


3　この議定書は、すべての関係加盟国がこれを受諾した日の後三十日目の日に効力を生ずる。すべての関係加盟国が千九百九十九年一月三十日前にこの議定書を受諾しなかった場合には、同日前にこれを受諾した関係加盟国は、その後三十日以内にその効力発生に関する決定を行うことができる。

3. This Protocol shall enter into force on the 30th day following the date of its acceptance by all Members concerned. If by 30 January 1999 it has not been accepted by all Members concerned, those Members which have accepted it before that date may, within a period of 30 days thereafter, decide on its entry into force.


4　この議定書は、世界貿易機関事務局長に寄託する｡世界貿易機関事務局長は、世界貿易機関の各加盟国に対し、この議定書の認証謄本及び3の規定によるこの議定書の受託に関する通告書を速やかに送付する｡

4. This Protocol shall be deposited with the Director-General of the WTO. The Director-General of the WTO shall promptly furnish to each Member of the WTO a certified copy of this Protocol and notifications of acceptances thereof pursuant to paragraph 3.


5　この議定書は、国際連合憲章第百二条の規定に従って登録する。

5. This Protocol shall be registered in accordance with the provisions of Article 102 of the Charter of the United Nations.


　千九百九十八年二月二十七日にジュネーヴで、この議定書に附属する表に関して別段の定めがある場合を除くほか、ひとしく正文である英語、フランス語及びスペイン語により本書一通を作成した。

　Done at Geneva this twenty-seventh day of February one thousand nine hundred and ninety-eight, in a single copy in English, French and Spanish languages, each text being authentic, except as otherwise provided for in respect of the Schedules annexed hereto.


　

　JAPAN


　

　Schedule of Specific Commitments


　

　(This is authentic in English only)



							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　


							

						

						

							

								
　* New Money is an asset mainly consisting of accumulation of premiums collected by Employees' Pension Funds after the day when such Funds are qualified by the Minister of Health and Welfare as appropriate for expanding their means of asset management to include discretionary investment management services.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　日本国の追加的な約束


							

						

						

							

								
　JAPAN: ADDITIONAL COMMITMENTS


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
A　保険及び保険関連のサービス


							

						

						

							

								
A. Insurance and Insurance-Related Services


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　追加的な約束の欄に特定の約束として適当な当局が申請を認可すること又は届出を受け入れることが記載されている場合には、このような申請又は届出は、これに適用される法的基準に適合するものでなければならない。適当な当局は、そのような法的基準を、公正なかつ透明性のある態様により適用するものとし、保険サービス提供者が商品の料率、約款及び販売を担保危険に基づいて差異化することを認めるように解釈する。


							

						

						

							

								
　Whenever specific commitments in the additional commitments column state that appropriate authorities will approve an application or will not reject a notification, the application or notification must meet the applicable legal criteria. The appropriate authorities will apply the legal criteria in a fair and transparent manner, and will interpret them with a view toward allowing insurance service suppliers to differentiate, on the basis of the risk insured, the rates, forms and distribution of products.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
1　適当な当局は、自動車保険の通信販売に係る申請を認可し、また、保険サービス提供者がクレジット・カードによる支払を受領した日から有効となる保険契約については、クレジット・カードの使用を通じた保険料の支払を認可する。


							

						

						

							

								
1. Appropriate authorities will approve applications for a direct response system for automobile insurance, and will approve payment of premiums through the use of credit cards with the policy effective from the date when the insurance service supplier accepts credit card payment.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　自動車保険の「通信販売」とは、保険サービス提供者が、新聞・雑誌等の広告媒体を通じて又はダイレクト・メール若しくは電話を通じて消費者に自己の商品を提示し、郵便又は電話による消費者からの契約の申込みを受けて、消費者と対面することなく郵便又は電話によるやり取りを通じて消費者と契約を結ぶ販売方式であると定義される。


							

						

						

							

								
　A direct response system ("Tsushin-Hanbai") for automobile insurance is defined as a distribution method whereby insurance service suppliers offer their products to consumers through advertising media, such as newspapers and magazines, and through direct mail or telephone calls; accept applications of consumers delivered via mail or telephone calls; and enter into contracts with consumers through an exchange via mail or telephone calls, without meeting the consumers.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
2　適当な当局は、千九百九十八年四月一日以降、一契約当たりの最低保険金額を七十億円に引き下げることにより、商業用火災保険の付加率のアドバイザリー制度の適用範囲を拡大する。


							

						

						

							

								
2. Effective 1 April 1998, appropriate authorities will expand the scope of the advisory rate system for loading rates of commercial fire insurance, by lowering the minimum amount per contract to seven billion yen.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
3　適当な当局は、料率及び特約について届出制が適用される商品に次の十六の商品を含めるとともに、適当な当局に届出がされた商品の販売を九十日の標準処理期間内に認める(すなわち、届出を受け入れる。)。


							

						

						

							

								
3. Appropriate authorities include the following sixteen products on the list of products to which the notification system applies with respect to the rates and riders for such products and will allow, within the standard processing period of ninety days, marketing of the products notified to the appropriate authorities (i.e., will not reject the notifications): medical malpractice liability insurance ("Ishi Baisho Sekinin Hoken"), advanced loss of machinery profit insurance ("Sogyo Kaishi Chien Hoken"), delayed start of construction insurance ("Kaigyo Chien Hoken"), civil engineering completed risks insurance ("Doboku Kozobutsu Hoken"), nuclear energy insurance (Genshiryoku Hoken"), umbrella liability insurance ("Kigyo Hokatsu Baisho Sekinin Hoken"), environment liability insurance ("Kankyo Osen Baisho Sekinin Hoken"), erection insurance ("Kumitate Hoken"), moveable comprehensive insurance ("Dosan Sogo Hoken"), computer comprehensive insurance ("Kompyuta Sogo Hoken"), boiler and turbo-set insurance ("Boiler Turbo-set Hoken"), transit insurance ("Unsoh Hoken"), credit card theft insurance ("Credit Card Tonan Hoken"), general liability insurance ("Baisho Sekinin Hoken"), construction all-risk insurance ("Kensetsu Koji Hoken"), and surety bonds ("Hosho Shoken").


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　医師賠償責任保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　操業開始遅延保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　開業遅延保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　土木構造物保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　原子力保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　企業包括賠償責任保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　環境汚染賠償責任保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　組立保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　動産総合保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　コンピユータ総合保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　ボイラー・ターボセット保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　運送保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　クレジット・カード盗難保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　賠償責任保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　建設工事保険


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　保証証券


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
4
(a)　適当な当局は、料率算出団体の会員が当該料率算出団体によつて収集された統計資料を料率を算出するために使用することを許容しつつ、料率算出団体の会員が当該料率算出団体によつて算出された料率を保険サービスの提供のために使用しなければならない義務を千九百九十八年七月一日までに撤廃する。


							

						

						

							

								
4.
(a) By no later than 1 July 1998, appropriate authorities will eliminate obligations for members of a rating organization to use rates calculated by the rating organization for the provision of insurance services while allowing members of a rating organization to use, for the purpose of calculating rates, the statistical data collected by the rating organization.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　(a)の規定を実施するために必要な立法上の変更が行われかつこれに伴う行政上の措置がとられたときには、適当な当局は、保険サービス提供者が商品の料率、約款及び販売を担保危険に基づいて差異化するような申請を、その提出から九十日の標準処理期間内に、料率算出団体によつて算出された統計上の料率を使用しているか否かを考慮することなく認可する。


							

						

						

							

								
(b) When the necessary legislative changes are made and their accompanying administrative measures come into effect to implement subparagraph (a) above, the appropriate authorities will approve, within the standard processing period of ninety days after submission, applications allowing all insurance service suppliers to differentiate, on the basis of the risk insured, the rates, forms and distribution of products, without regard to whether such applications use statistical rates calculated by the rating organization.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(c)　必要な立法上の変更が行われかつこれに伴う行政上の措置がとられるまでの間は、適当な当局は、生命保険及び損害保険の分野における主要な商品の種類に属する商品であつて、商品の料率、約款及び販売を担保危険に基づいて差異化する柔軟性を有するものに係る申請を、その提出から九十日の標準処理期間内に認可する。


							

						

						

							

								
(c) In the interim before the necessary legislative changes are made and their accompanying administrative measures come into effect, the appropriate authorities will approve, within the standard processing period of ninety days after submission, applications for products in major product categories in the life and non-life insurance sectors which provide for the flexibility to differentiate, on the basis of the risk insured, the rates, forms and distribution of products.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(d)　適当な当局は、料率、約款及び販売を担保危険に基づいて差異化する柔軟性を備えた任意自動車保険(料率が差異化された自動車保険であつて通信販売によるものを含む。以下「差異化された自動車保険」という。)に係る申請を千九百九十七年九月一日より認可する。担保危険に基づいた差異化には、次に掲げる危険要因に基づいて範囲料率外に料率を差異化することを含む。


							

						

						

							

								
(d) Appropriate authorities will approve applications for voluntary automobile insurance with the flexibility to differentiate, on the basis of the risk insured, the rates, forms and distribution of products, including a direct response system for automobile insurance with differentiated rates (collectively referred to as "differentiated auto insurance") effective i September 1997. Differentiation on the basis of risk insured includes differentiation of rates outside the banded rates based on the following risk factors: age, sex, driving history, usage (e.g., commercial, personal) and pattern of use (e.g., mileage per year), geography (by region, i.e. Hokkaido, Shikoku, Kyushu, and Honshu, which will be divided into Tohoku, Kanto-Koshinetsu, Hokuriku-Tokai, and Kinki-Chugoku), vehicle type, vehicle safety features, and multi-car ownership.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　年齢


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　性別


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　運転歴


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　使用目的(例えば、商業用、個人用)及び使用形態(例えば、年間走行距離)


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　地理(すなわち、北海道、四国、九州及び本州(本州は、東北、関東・甲信越、北陸・東海及び近畿・中国に分けられる。)の各地域)


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　車種


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　車の安全上の特性


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　車の所有台数


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
5
(a)適当な当局は、生命保険サービス提供者の子損害保険会社に対しては次の傷害保険の引受けを認めない。


							

						

						

							

								
5.
(a) Appropriate authorities will not permit non-life insurance subsidiaries of life insurance service suppliers to sell the following personal accident insurance:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　法人経営者のための非営利の業種横断的な社団若しくは財団(注1)向けに引き受けられ又はこれにより承認される(注2)単一の保険契約に基づく傷害保険


							

						

						

							

								
(i) personal accident insurance based on a single policy written for and/or endorsed by non-profit inter-industry associations or foundations for managers of corporations2;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　注1　「法人経営者のための非営利の業種横断的な社団若しくは財団」とは、全国法人会総連合、局連法人会、県法人会連合会、単位法人会、納税協会連合会、ブロック会及び納税協会をいう。


							

						

						

							

								
1 "Endorse" means to recommend ("suisho") and/or back-up ("koen").


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　注2　「承認する」とは、推奨する又は後援することをいう。


							

						

						

							

								
2 "Non-profit inter-industry associations or foundations for managers of corporations" means the "Zenkoku Hojinkai Sorengo", "Kyokuren Hojinkai", "Kenhojinkai Rengokai", "Tan-i Hojinkai", "Nozeikyokai Rengokai", "Burokku-kai" and "Nozeikyokai".


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　旅行代理店を通じる国内旅行傷害保険及び海外旅行傷害保険


							

						

						

							

								
(ii) domestic and overseas travel accident insurance through travel agents;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iii)　学校(公立であるか私立であるかを問わず、すべての段階の学校を含む。)若しくは教職員、学生若しくは父母の組織若しくは団体(すなわち、学生団体、同窓会及びPTA)を通じて販売され又はこれにより承認される(注)学生向けの傷害保険


							

						

						

							

								
(iii) personal accident insurance for students marketed through or endorsed1 by schools (including all levels of schools, and including public and private schools), or scholastic, student or parent organizations or associations (i.e., "Gakusei-Dantai", "Dosokai" and PTA);


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　注　「承認する」とは、推奨する又は後援することをいう。


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iv)　通信販売による傷害保険


							

						

						

							

								
(iv) personal accident insurance through direct response methods ("Tsushin-Hanbai");


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(v)　団体傷害保険。ただし、子保険会社が共同保険者の幹事会社として又は単独の保険者として活動する場合及び中小の又は外国の保険サービス提供者による同種の又は代替可能な商品の保険契約を直前の六箇月において有していなかった団体に販売する場合を除く。


							

						

						

							

								
(v) group personal accident insurance except when the insurance subsidiaries are acting as lead managers among co-insurers or solo underwriter, and when the insurance is sold to a group that has not held in the preceding six months a policy for the same or a substitutable group personal accident insurance product by small to medium and/or foreign insurance service suppliers; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(vi)　積立傷害保険


							

						

						

							

								
(vi) maturity refund personal accident insurance.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　適当な当局は、損害保険サービス提供者の子生命保険会社に対してはがん単品保険及び医療単品保険の引受けを認めない。また、適当な当局は、基本保険金額に対する特約給付金額の比率に関し、新保険業法が千九百九十六年四月一日に施行される前に存在していた制限を維持する。


							

						

						

							

								
(b) Appropriate authorities will not permit life insurance subsidiaries of non-life insurance service suppliers to sell stand-alone cancer insurance and stand-alone medical insurance, and the appropriate authorities will maintain the limit regarding the ratio of rider benefits to base policy benefits that had existed before the new Insurance Business Law came into force on I April 1996.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(c)　適当な当局は、4に規定するところにより必要な立法上の変更が行われかつこれに伴う行政上の措置がとられた日までに次のすべての措置がとられていることを条件として、その日から二年半後に、(a)及び(b)に規定する第三分野における急激な変化を避けるための措置(注)を終了させる。この(c)の適用上、(i)、(iii)(B)及び(v)に規定する措置の標準処理期間に関して軽微に相違した例外的な事例の存在により、これらの措置がとられていないとはされない。


							

						

						

							

								
(c) Appropriate authorities will terminate the measures3 to avoid radical change in the third sector as described in subparagraphs (a) and (b) two and one-half years after the date when the necessary legislative changes are made and their accompanying administrative measures come into effect as described in paragraph 4, on condition that all the following measures will have been implemented by that date. Isolated instances of minor divergence with respect to the standard processing period of the measures set out in subparagraphs (i), (iii)(B), or (v) below do not constitute a failure to implement these measures for the purpose of this paragraph


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　注　この措置は、団体長期障害所得補償保険、所得補償保険及び長期障害特約には適用されない。


							

						

						

							

								
3 The "measures" do not apply to group long-term disability insurance ("Dantai Choki Shogai Shotoku Hosho Hoken") and income indemnity insurance ("Shotoku Hosho Hoken"), including individual long term disability insurance ("Choki Shogai Tokuyaku").


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　適当な当局が、4(d)に規定する差異化された自動車保険の申請を九十日の標準処理期間内に認可すること。


							

						

						

							

								
(i) the appropriate authorities approve, within the standard processing period of ninety days, applications for differentiated auto insurance as described in subparagraph 4(d);


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　適当な当局が、2に規定するところにより、商業用火災保険の付加率のアドバイザリー制度の適用に係る一契約当たりの最低保険金額を引き下げること。


							

						

						

							

								
(ii) the appropriate authorities have lowered the minimum insured amount per contract required for application of the advisory rate system for commercial fire insurance as described in paragraph 2;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iii)　適当な当局が、届出制に関して、


							

						

						

							

								
(iii) with respect to the notification system, the appropriate authorities;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(A)　3に掲げるボイラー・ターボセット保険から保証証券までの六の商品について届出制を実施すること。


							

						

						

							

								
(A) have put into effect the notification system with respect to the last six products set out in paragraph 3; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(B)　適当な当局に届出がされた3に掲げる十六の商品の販売を九十日の標準処理期間内に認める(すなわち、届出を受け入れる。)こと。


							

						

						

							

								
(B) allow, within the standard period of ninety days, marketing of the sixteen products set out in paragraph 3 notified to the appropriate authorities (i.e., will not reject the notifications);


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iv)　4に規定するところにより、料率算出団体の会員が当該料率算出団体によつて算出された料率を使用しなければならない義務を撤廃するために必要な立法上の変更が行われ、かつ、これに伴う行政上の措置がとられること。


							

						

						

							

								
(iv) the necessary legislative changes are made and their accompanying administrative measures come into effect to eliminate obligations for members of a rating organization to use rates calculated by the rating organization as described in paragraph 4; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(v)　適当な当局が、差異化された商品又は料率の申請に関し、提出された申請を九十日の標準処理期間内に認可すること。


							

						

						

							

								
(v) with respect to applications for differentiated products or rates, the appropriate authorities approve, within the standard period of ninety days, applications submitted.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　(iii)(B)及び(v)の措置は、この(c)に定める日の九十日前までに申請又は届出がされなかった場合には、とられているものとみなされる。


							

						

						

							

								
　In the event that no applications or notifications have been submitted by ninety days before the above-mentioned date, the measures in subparagraphs (iii)(B) and (v) will be considered to have been implemented.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
6　保険サービス提供者は、保険商品又は料率に関係する書類であって自己が申請であると考えるものを適当な当局に対して提出したときは、当該適当な当局に対してその申請の位置付けを決定するよう要請することができる。当該適当な当局は、不当に遅延することなくそのような要請に応ずるものとし、当該書類を正式な申請であると認めるか否かを示す。


							

						

						

							

								
6. If an insurance service supplier has submitted documents to appropriate authorities related to insurance products or rates, which the insurance service supplier considers to be an application, the insurance service supplier may make a request to the appropriate authorities to determine its status. The appropriate authorities will respond without undue delay to such a request and indicate whether they consider the documents to constitute a formal application.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
B　銀行サービスその他の金融サービス(保険及び保険関連のサービスを除く。)


							

						

						

							

								
B. Banking and Other Financial Services (excluding Insurance and Insurance-Related Services)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
1　適当な当局が投資一任契約に係るサービス提供者による運用を認める厚生年金基金の資産については、各厚生年金基金の設立後八年の経過を必要とするとの要件を三年に短縮する。


							

						

						

							

								
1. With respect to the assets of Employees' Pension Funds (hereinafter referred to as "Funds") qualified by appropriate authorities to be managed by discretionary investment management service suppliers, the eight-year qualification requirement with respect to the required duration of the Funds following their establishment is reduced to three years.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
2　投資一任契約に係るサービス提供者が運用し得る厚生年金基金の資産については、その総資産の二分の一を上限とする。この上限については、千九百九十九年三月までに撤廃する。


							

						

						

							

								
2. There is a ceiling of 1/2 of total assert with respect to the assets of Funds which can be managed by discretionary investment management service suppliers. The ceiling will be eliminated by March 1999.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
3　年金福祉事業団の資産(各保険会社において合同して運用される資金を除く。)及び投資一任契約に係るサービス提供者が運用し得る厚生年金基金の資産(各保険会社において合同して運用される資金を除く。)の運用に関しては、年金の資金を運用するサービス提供者ごとの資産配分規制を適用しない。


							

						

						

							

								
3. No asset allocation guidelines are applied to individual pension fund management service suppliers with respect to the management of fund assets of the Pension Welfare Service Public Corporation (excluding the commingled fund management of insurance companies) or of the assets of Funds (excluding the commingled fund management of insurance companies) which can be managed by discretionary investment management service suppliers.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
4　投資信託の委託サービス及び投資一任契約に係るサービスについては、一の団体がその双方を提供することができる。もっとも、当該団体が、日本国の法律の関連する信用秩序の維持に係る規定及び適当な当局により定められる信用秩序の維持に係る基準に適合するものであることを条件とする。


							

						

						

							

								
4. Investment trust management services and discretionary investment management services may be supplied by one entity if that entity satisfies the relevant prudential provisions of Japanese Laws and the prudential standards set out by appropriate authorities.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
5　適当な当局は、年金福祉事業団がその資産の運用において指定単の枠組みを通じた投資顧問会社の参加を許容することを認める。このような制度については、千九百九十九年における次回の日本国の年金の財政再計算に際して再検討する。


							

						

						

							

								
5. Appropriate authorities permit the Pension Welfare Service Public Corporation to allow investment advisory companies to participate in the management of its fund assets through a variation on the "Shiteitan" framework. At the time of the next comprehensive review of the Japanese pension system in 1999, this scheme would be reviewed.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　「指定単」とは、信託銀行が提供する単独運用指定金銭信託をいう。指定単の下では、受益者は、購入される株式、債券その他の有価証券の個別の銘柄を特定しない。信託銀行は、国内法令により、指定単の元本を保証することを認められている。


							

						

						

							

								
　"Shiteitan" is a designated money trust for separate investment management provided by trust banks. Under "Shiteitan", beneficial owners do not specify individual objects of stocks, bonds or other financial instruments to be purchased. Trust banks are permitted to guarantee the principal of "Shiteitan" under domestic laws and regulations.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
6　適当な当局は、信用秩序の維持の見地から市場に対する最も適切な監督を行いつつ、証券商品分野における革新を受容するために迅速に対応するよう既存の枠組みを十分に活用する。


							

						

						

							

								
6. Appropriate authorities will fully utilize the existing mechanisms available to them to respond expeditiously to accommodate innovations in securities products, while ensuring the most appropriate supervision of markets from prudential viewpoints.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　全融サービスに係る約束に関する了解


							

						

						

							

								
　UNDERSTANDING ON COMMITMENTS IN FINANCIAL SERVICES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　ウルグァイ・ラウンドの参加国は、全融サービスに関し、サービスの貿易に関する一般協定(以下「協定」という。)に基づく特定の約束を協定第三部に定める方法に代わる方法に基づいて行うことができる。この方法については次の了解に従って適用することが合意された。


							

						

						

							

								
　Participants in the Uruguay Round have been enabled to take on specific commitments with respect to financial services under the General Agreement on Trade in Services (hereinafter referred to as the "Agreement") on the basis of an alternative approach to that covered by the provisions of Part III of the Agreement. It was agreed that this approach could be applied subject to the following understanding:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　当該方法は、協定の規定に抵触しないものとする。


							

						

						

							

								
(i) it does not conflict with the provisions of the Agreement,


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　当該方法は、協定第三部に定める方法に従って特定の約束を記載する加盟国の権利を害さないものとする。


							

						

						

							

								
(ii) it does not prejudice the right of any Member to schedule its specific commitments in accordance with the approach under Part III of the Agreement;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iii)　当該方法に基づいて行われた特定の約束は、最恵国待遇に基づいて適用する。


							

						

						

							

								
(iii) resulting specific commitments shall apply on a most-favoured-nation basis;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(iv)　加盟国が協定に基づいて約束する自由化の程度について、予断を生ぜしめない。


							

						

						

							

								
(iv) no presumption has been created as to the degree of liberalization to which a Member is committing itself under the Agreement.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　関心を有する加盟国は、次に規定する方法に適合する特定の約束を、交渉に基づき、かつ、特定した条件及び制限を付して自国の約束表に記載する。


							

						

						

							

								
　Interested Members, on the basis of negotiations, and subject to conditions and qualifications where specified, have inscribed in their schedule specific commitments conforming to the approach set out below.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
A　現状維持


							

						

						

							

								
A. Standstill


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　次のB及びCの約束に対して課される条件及び制限は、当該約束に適合しない現行の措置に限る。


							

						

						

							

								
　Any conditions, limitations and qualifications to the commitments noted below shall be limited to existing non-conforming measures.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
B　市場アクセス


							

						

						

							

								
B. Market Access


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　独占権


							

						

						

							

								
　Monopoly Rights


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
1　協定八条の規定に加えて、次の規定を適用する。


							

						

						

							

								
1. In addition to Article VIII of the Agreement, the following shall apply:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　加盟国は、金融サービスに係る自国の約束表に現行の独占権を掲げるものとし、当該独占権を撤廃し又は当該独占権の範囲を縮小するよう努める。この1の規定は、金融サービスに関する附属書1(b)の規定にかかわらず、同附属書1(b)(iii)に規定する活動について適用する。


							

						

						

							

								
　Each Member shall list in its schedule pertaining to financial services existing monopoly rights and shall endeavour to eliminate them or reduce their scope. Notwithstanding subparagraph 1(b) of the Annex on Financial Services, this paragraph applies to the activities referred to in subparagraph 1(b)(iii) of the Annex.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　公的機関が講入する金融サービス


							

						

						

							

								
　Financial Services purchased by Public Entities


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
2　加盟国は、協定第十三条の規定にかかわらず、自国の公的機関が自国の領域内で金融サービスを購入し又は取得するに当たり、当該領域内で設立された他の加盟国の金融サービス提供者に対し最恵国待遇及び内国民待遇を与えることを確保する。


							

						

						

							

								
2. Notwithstanding Article XIII of the Agreement, each Member shall ensure that financial service suppliers of any other Member established in its territory are accorded most-favoured-nation treatment and national treatment as regards the purchase or acquisition of financial services by public entities of the Member in its territory.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　国境を越える取引


							

						

						

							

								
　Cross-border Trade


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
3　加盟国は、非居住者である金融サービス提供者に対し、内国民待遇を確保しつつ本人として又は仲介により若しくは仲介者として次のサービスを提供することを許可する。


							

						

						

							

								
3. Each Member shall permit non-resident suppliers of financial services to supply, as a principal, through an intermediary or as an intermediary, and under terms and conditions that accord national treatment, the following services:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(a)　次の事項に関連する危険に対する保険


							

						

						

							

								
(a) insurance of risks relating to:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　海上運送、商業航空並びに宇宙空間への打上げ及び運送貨物(衛星を含む。)。当該保険は、運送される貨物及び貨物を運送する手段並びにこれらのものから生ずる責任のいずれか又はすべてを対象とする。


							

						

						

							

								
(i) maritime shipping and commercial aviation and space launching and freight (including satellites), with such insurance to cover any or all of the following: the goods being transported, the vehicle transporting the goods and any liability arising therefrom; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　国際間の運送中の貨物


							

						

						

							

								
(ii) goods in international transit;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　再保険及び再々保険並びに金融サービスす関する附属書5(a)(iv)に規定する保険の補助的なサービス


							

						

						

							

								
(b) reinsurance and retrocession and the services auxiliary to insurance as referred to in subparagraph 5(a)(iv) of the Annex;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(c)　金融サービスに関する附属書5(a)(xv)に規定する金融情報の提供、金融情報の移転及び金融データの処理並びに同附属書5(a)(xvi)に規定する銀行サービスその他の金融サービスについての助言その他の補助的な金融サービス(仲介を除く。)


							

						

						

							

								
(c) provision and transfer of financial information and financial data processing as referred to in subparagraph 5(a)(xv) of the Annex and advisory and other auxiliary services, excluding intermediation, relating to banking and other financial services as referred to in subparagraph 5(a)(xvi) of the Annex.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
4　加盟国は、自国の居住者が他の加盟国の領域内で次の金融サービスを購入することを許可する。


							

						

						

							

								
4. Each Member shall permit its residents to purchase in the territory of any other Member the financial services indicated in:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(a)　3(a)に規定する金融サービス


							

						

						

							

								
(a) subparagraph 3(a);


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　3(b)に規定する金融サービス


							

						

						

							

								
(b) subparagraph 3(b), and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(c)　金融サービスに関する附属書5(a)の(v)から(xvi)までに規定する金融サービス


							

						

						

							

								
(c) subparagraphs 5(a)(v) to (xvi) of the Annex.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　業務上の拠点


							

						

						

							

								
　Commercial Presence


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
5　加盟国は、他の加盟国の金融サービス提供者に対し、自国の領域内で業務上の拠点を設け又は拡張する権利(既存の企業の取得により業務上の拠点を設け又は拡張する権利を含む。)を与える。


							

						

						

							

								
5. Each Member shall grant financial service suppliers of any other Member the right to establish or-expand within its territory, including through the acquisition of existing enterprises, a commercial presence.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
6　加盟国は、5の規定に基づく自国の義務を回避せず、かつ、協定に定めるその他の義務に適合する場合には、業務上の拠点を設け又は拡張することを許可するための条件及び手続を課することができる。


							

						

						

							

								
6. A Member may impose terms, conditions and procedures for authorization of the establishment and expansion of a commercial presence in so far as they do not circumvent the Member's obligation under paragraph 5 and they are consistent with the other obligations of the Agreement.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　新たな金融サービス


							

						

						

							

								
　New Financial Services


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
7　加盟国は、自国の領域内で設立された他の加盟国の金融サービス提供者に対し、新たな金融サービスを当該領域内で提供することを許可する。


							

						

						

							

								
7. A Member shall permit financial service suppliers of any other Member established in its territory to offer in its territory any new financial service.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　情報の移転及び処理


							

						

						

							

								
　Transfers of Information and Processing of Information


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
8　いかなる加盟国も、電磁的手段によるデータの移転を含む情報の移転若しくは金融情報の処理又は機器の移転が金融サービス提供者の通常の業務の遂行にとって必要である場合には、当該情報の移転又は金融情報の処理を妨げる措置をとってはならず、また、国際協定に適合する輪入規則に基づく場合を除くほか、当該機器の移転を妨げる措置をとってはならない。この8の規定は、個人の情報、私生活並びに個人の記録及び勘定の秘密を保護する加盟国の権利を制限するものではない。ただし、当該権利が協定の規定を回避するために行使されないことを条件とする。


							

						

						

							

								
8. No Member shall take measures that prevent transfers of information or the processing of financial information, including transfers of data by electronic means, or that, subject to importation rules consistent with international agreements, prevent transfers of equipment, where such transfers of information, processing of financial information or transfers of equipment are necessary for the conduct of the ordinary business of a financial service supplier. Nothing in this paragraph restricts the right of a Member to protect personal date, personal privacy and the confidentiality of individual records and accounts so long as such right is not used to circumvent the provisions of the Agreement.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　人員の一時的な入国


							

						

						

							

								
　Temporary Entry of Personnel


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
9
(a)　加盟国は、自国の領域内に業務上の拠点を設けている他の加盟国の金融サービス提供者の次の人員が自国の領域へ一時的に入国することを許可する。


							

						

						

							

								
9.
(a) Each Member shall permit temporary entry into its territory of the following personnel of a financial service supplier of any other Member that is establishing or has established a commercial presence in the territory of the Member:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　金融サービス提供者のサービスの開設、管理又は営業にとって重要な専有の情報を有している上級の管理職員


							

						

						

							

								
(i) senior managerial personnel possessing proprietary information essential to the establishment, control and operation of the services of the financial service supplier; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　金融サービス提供者の業務上の専門家


							

						

						

							

								
(ii) specialists in the operation of the financial service supplier.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　加盟国は、他の加盟国の金融サービス提供者の業務上の拠点に関連する次の人員が自国の領域内で有資格者として利用可能であることを条件として、自国の領域へ一時的に入国することを許可する。


							

						

						

							

								
(b) Each Member shall permit, subject to the availability of qualified personnel in its territory, temporary entry into its territory of the following personnel associated with a commercial Presence of a financial service supplier of any other Member:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(i)　金融サービス提供者の会計、電子計算機サービス又は電気通信サービスの専門家


							

						

						

							

								
(i) specialists in computer services, telecommunication services and accounts of the financial service supplier; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(ii)　保険数理又は法律の専門家


							

						

						

							

								
(ii) actuarial and legal specialists.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　差別的でない措置


							

						

						

							

								
　Non-discriminatory Measures


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
10　加盟国は、次の措置が他の加盟国の金融サービス提供者に及ぼす著しい悪影響を除去し又は限定するよう努める。


							

						

						

							

								
10. Each Member shall endeavour to remove or to limit any significant adverse effects on financial service suppliers of any other Member of:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(a)　金融サービス提供者が当該加盟国の領域内で当該加盟国が定める形態により金融サービスを提供するに当たり、当該加盟国が許容するすべての金融サービスを提供することを妨げる差別的でない措置


							

						

						

							

								
(a) non-discriminatory measures that prevent financial service suppliers from offering in the Member's territory, in the form determined by the Member, all the financial services permitted by the Member;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(b)　金融サービス提供者の活動が当該加盟国の領域全体に拡張することを制限する差別的でない措置


							

						

						

							

								
(b) non-discriminatory measures that limit the expansion of the activities of financial service suppliers into the entire territory of the Member;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(c)　当該加盟国が銀行サービス及び証券サービスの双方の提供について同一の措置をとる場合において、他の加盟国の金融サービス提供者が自己の活動を証券サービスの提供に集中しているときは、当該措置


							

						

						

							

								
(c) measures of a Member, when such a Member applies the same measures to the supply of both banking and securities services, and a financial service supplier of any other Member concentrates its activities in the provision of securities services; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
(d)　他の加盟国の金融サービス提供者が業務を行い、競争し又は当該加盟国の市場に進出する能力に対し、協定の規定を尊重する措置であっても悪影響を及ぼす他の措置


							

						

						

							

								
(d) other measures that, although respecting the provisions of the Agreement, affect adversely the ability of financial service suppliers of any other Member to operate, compete or enter the Member's market;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　ただし、この10の規定に基づいてとられる措置は、当該措置をとる加盟国の金融サービス提供者を不当に差別しないものとする。


							

						

						

							

								
　provided that any action taken under this paragraph would not unfairly discriminate against financial service suppliers of the Member taking such action.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
11　加盟国は、10の(a)及び(b)に規定する差別的でない措置に関し、市場への進出の機会の現在の程度及び他のすべての加盟国の金融サービス提供者が自国の領域内で一の階級として既に享受している利益を限定し又は制限しないよう努める。ただし、この約束が当該措置をとる加盟国の金融サービス提供者を結果として不当に差別することとならないことを条件とする。


							

						

						

							

								
11. With respect to the non-discriminatory measures referred to in subparagraphs 10(a) and (b),a Member shall endeavour not to limit or restrict the present degree of market opportunities nor the benefits already enjoyed by financial service suppliers of all other Members as a class in the territory of the Member, provided that this commitment does not result in unfair discrimination against financial service suppliers of the Member applying such measures.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
C　内国民待遇


							

						

						

							

								
C. National Treatment


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
1　加盟国は、内国民待遇を確保しつつ、自国の領域内で設立された他の加盟国の金融サービス提供者に対し、公的機関が運用する支払及び清算の制度並びに通常の業務において利用可能な公的な資金供与及びリファイナンスの制度の利用を認める。この1の規定は、加盟国の最終的な決済手段の貸手の利用を認めることを意図するものではない。


							

						

						

							

								
1. Under terms and conditions that accord national treatment, each Member shall grant to financial service suppliers of any other Member established in its territory access to payment and clearing systems operated by public entities, and to official funding and refinancing facilities available in the normal course of ordinary business. This paragraph is not intended to confer access to the Member's lender of last resort facilities.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
2　加盟国は、他の加盟国の金融サービス提供者が自国の金融サービス提供者と平等に金融サービスを提供するため自主規制団体、有価証券若しくは先物の取引所若しくは市場、清算機関その他の組織若しくは団体の構成員となり、これらに参加し若しくはこれらを利用することを要求している場合又は金融サービスの提供に当たりこれらの組織若しくは団体に対し直接若しくは間接に特権若しくは利益を与えている場合には、当該組織又は団体が自国の領域内に居住している他の加盟国の金融サービス提供者に対し内国民待遇を与えることを確保する。


							

						

						

							

								
2. When membership or participation in, or access to, any self-regulatory body, securities or futures exchange or market, clearing agency, or any other organization or association, is required by a Member in order for financial service suppliers of any other Member to supply financial services on an equal basis with financial service suppliers of the Member, or when the Member provides directly or indirectly such entities, privileges or advantages in supplying financial services, the Member shall ensure that such entities accord national treatment to financial service suppliers of any other Member resident in the territory of the Member.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
D　定義


							

						

						

							

								
D. Definitions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　この方法の適用上、


							

						

						

							

								
　For the purposes of this approach:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
1　「非居住者である金融サービス提供者」とは、加盟国の領域へ他の加盟国の領域内に所在する事業所から金融サービスを提供する当該加盟国以外の加盟国の金融サービス提供者をいう。この場合において、当該金融サービス提供者が金融サービスを提供する当該加盟国の領域内に業務上の拠点を有するか有しないかを間わない。


							

						

						

							

								
1. A non-resident supplier of financial services is a financial service supplier of a Member which supplies a financial service into the territory of another Member from an establishment located in the territory of another Member, regardless of whether such a financial service supplier has or has not a commercial presence in the territory of the Member in which the financial service is supplied.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
2　「業務上の拠点」とは、金融サービスを提供するための加盟国の領域内の企業をいい、子会社(その全部又は一部が所有されているもの)、合弁企業、組合、個人企業、フランチャイズ経営、支店、代理店、代表事務所その他の組織を含む。


							

						

						

							

								
2. "Commercial presence" means an enterprise within a Member's territory for the supply of financial services and includes wholly-or partly-owned subsidiaries, joint ventures, partnerships, sole proprietorships, franchising operations, branches, agencies, representative offices or other organizations.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
3　「新たな金融サービス」とは、全融の性格を有するサービス(既存の又は新たな商品に関連するサービス及び商品が納入される態様を含む。)であって、金融サービス提供者によって当該加盟国の領域内では提供されていないが他の加盟国の領域内では提供されているものをいう。


							

						

						

							

								
3. A new financial service is a service of a financial nature, including services related to existing and new products or the manner in which a product is delivered, that is not supplied by any financial service supplier in the territory of a particular Member but which is supplied in the territory of another Member.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　(我が国以外の特定の約束に係る表及び第二条の免除に係る表は省略)


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								
　(署名欄は省略)


							

						

						

							

								
　


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　AUSTRALIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　AUSTRALIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　The text of the Financial Services section is deleted.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　BAHRAIN


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　BRAZIL


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　BULGARIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Exclusive service suppliers may be established or authorized with respect to mandatory insurance schemes.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　CANADA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English and French only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　CANADA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English and French only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　CYPRUS


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　CZECH REPUBLIC


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only) 


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* When monopoly rights concerning compulsory motor third party liability insurance are removed, providing this service will be open on a non-discriminatory basis to Czech established service providers.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* Legislation covering the abolition of the criterion of financial market requirements is now being discussed in the Parliament.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　EGYPT


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　EUROPEAN COMMUNTTIES AND THEIR MEMBER STATES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English, French and Spanish)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Unlike foreign subsidiaries, branches established directly in a Member State by a non-Community financial institution are not, with certain limited exceptions subject to prudential regulations harmonised at Community level which enable such subsidiaries to benefit form enhanced facilities to set up new establishments and to provide cross-border services throughout the Community. Therefore, such branches receive an authorisation to operate in the territory of a Member State under conditions equivalent to those applied to domestic financial institutions of that Member State, and may be required to satisfy a number of specific prudential requirements such as, in the case of banking and securities, separate capitalisatios and other solvency requirements and reporting and publication of accounts requirements or, in the case of insurance, specific guarantee and deposit requirements, a separate capitalisation, and the localisation in the Member State concerned of the assets representing the technical reserves and at least one third of the solvency margin. Member States may apply the restrictions indicated in this schedule only with regard to the direct establishment from a third country of a commercial presence or to the provision of cross-border services from a third country; consequently, a Member State may not apply these restrictions, including those concerning establishment, to third-country subsidiaries established in other Member States of the Community, unless these restrictions can also be applied to companies or nationals of other Member States in conformity with Community law.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
2 l: Provision and transfer of financial information and financial data processing entailing trading of financial instruments may be prohibited where the protection of investors is likely to be seriously prejudiced. Only authorised banks and investment firms must comply with conduct of business rules in providing investment advice concerning financial instruments and advice to undertakings on capital structure, industrial strategy and related matters, and advice and service relating to mergers and acquisition of undertakings. Advisory activity should not include asset management.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
3 l: Authorised persons enabled to conduct collective asset management are deemed responsible for and investment activity conducted by their delegated advisers (Collective asset management. excluding UCITS.)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ADDITIONAL COMMITMENTS BY THE EUROPEAN COMMUNITIES AND THEIR MEMBER STATES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　INSURANCE


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
a) The European Communities and their Member states note the close co-operation among the insurance regulatory and supervisory authorities of the Member States and encourage their efforts to promote improved supervisory standards.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
b) Member States will make their best endeavours to consider within 6 months complete applications for licenses to conduct direct insurance underwriting business, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State, by an undertaking governed by the laws of a third country, In cases where such applications are refused, the Member State authority will make its best endeavours to notify the undertaking in question and give the reasons for the refusal of the application.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
c) The supervisory authorities of the Member States will make their best endeavours to respond without undue delay to requests for information by applicants on the status of complete applications for licences to conduct direct insurance underwriting business, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State by an undertaking governed by the laws of a third country.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
d) The European Communities and their Member States will make their best endeavours to examine any questions pertaining to the smooth operation of the internal market in insurance, and consider any issues that might have an impact on the internal market in insurance.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
e) The European Communities and their Member States note that as regards motor insurance, under EC law as in force on 31 December 1997, and without prejudice to future legislation, premiums may be calculated taking several risk factors into account.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
f) The European Communities and their Member States note that under EC law, as in force on 31 December 1997, and without prejudice to future legislation, the prior approval by national supervisory authorities of policy conditions and scales of premiums that an insurance undertaking intends to use is generally not required.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
g) The European Communities and their Member States note that under EC law, as in force on 31 December 1997, and without prejudice to future legislation, the prior approval by national supervisory authorities of increases in premium rates in generally not required.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　OTHER FINANCIAL SERVICES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
a) In application of the relevant EC Directives, Member States will make their best endeavours to consider within 12 months complete applications for licenses to conduct banking activities, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State, by an undertaking governed by the laws of a third country. In cases where such applications are refused, the Member State will make its best endeavours to notify the undertaking in question and give the reasons for the refusal of the application.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
b) Member States will make their best endeavours to respond without undue delay to requests for information by applicants on the status of complete applications for licenses to conduct banking activities, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State, by an undertaking governed by the laws of a third country.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
c) In application of the relevant EC Directives, Member States will make their best endeavours to consider within 6 months complete applications for licenses to conduct investment services in the securities field, as defined in the Investment Services Directive, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State, by an undertaking governed by the laws of a third country. In cases where such applications are refused, the Member State will make its best endeavours to notify the undertaking in question and give the reasons for the refusal of the application.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
d) Member States will make their best endeavours to respond without undue delay to requests for information by applicants on the status of complete applications for licenses to conduct investment services in the securities area, through the establishment in a Member State of a subsidiary in accordance with the legislation of that Member State, by an undertaking governed by the laws of a third country.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　GHANA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only) 


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　HONG KONG, CHINA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only) 


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
2 The residence requirement for memberships can be waived for persons of good reputation with substantial experience of dealing in securities.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Commitments on presence of natural persons are confined to businesses regulated under HKSAR banking, securities, insurance and related legislation.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　HUNGARY


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Except Orszagos Takarekpenztar es Kereskedelmi Bank Rt., where long term state ownership will be kept at a minimum of 25%+1 vote.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　HUNGARY


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ICELAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　INDIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　INDIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　The text of the Financial Services section is deleted.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　INDONESIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ISRAEL


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　JAMAICA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　KENYA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　REPUBLIC OF KOREA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* An asterisk on the CPC (UN Provisional Central Product Classification: Statistical Papers Series M No.77, Department of International Economic and Social Affairs, Statistical Office of the United Nations, New York, 1991) code number indicates that the corresponding service subsector in this schedule only covers a part or parts of the service subsector classified under the given CPC code number.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Subsectors in financial services are classified based on the unit of business establishment. A financial institution must be established for only one business defined in subsectors (1) through (14), and thus cannot engage in business activities in other subsectors.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
2 Activities in which banks obtain funds from the public by receiving deposits or issuing transferable instruments or other securities.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
3 Activities, such as loans and bill discounts, in which banks provide funds to the public in order to receive interest.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
4 The definition of "a person" is in accordance with the relevant provision of the Presidential Decree of the Bank Act.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
5 Settlement and clearing services on notes, bills and cheques by banks according to the Articles of KFTCI (Korea Financial Telecommunications and Clearings Institute).


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
6 Purchase, sale, issuance, remittance and collection of foreign exchange.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
7 A commercial bill is defined as a bill accompanying commercial transactions.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
8 A trade bill is defined as a bill issued by exporters based on L/C before shipping export cargo.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
9 Activities where the trustee, having been delegated the authority, manages assets of the truster for the beneficiary.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　KUWAIT


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　MACAU


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　MALAYSIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*Due to lack of technical feasibility.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*Due to lack of technical feasibility.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*Due to lack of technical feasibility.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*Due to lack of technical feasibility.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　MALTA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　MAURITIUS


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　MAURITIUS


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　NEW ZEALAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 As defined in paragraph 5(a)(v)-(xvi) of the Annex on Financial Services.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　NIGERIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　NORWAY


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　PAKISTAN


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　PAKISTAN


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　PHILIPPINES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* The company which had been issued a licence or a certificate of authority by the Insurance Commission to transact business in the Philippines prior to 1 October 1994.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* The company which had been issued a licence or a certificate of authority by the Insurance Commission to transact business in the Philippines prior to 1 October 1994.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　PHILIPPINES


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　POLAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* Prudential regulations in the financial sector are being elaborated in Poland. They may require alternation of the presently existing rules as well as preparation of the new laws. Their application will be done in accordance with the provisions of the Annex on Financial Services, paragraph 2 - Domestic Regulation sub-paragraph 1.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ROMANIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SINGAPORE


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SLOVAK REPUBLIC


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SLOVENIA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*According to the Law on Commercial Companies, a branch established in the Republic of Slovenia is not considered a juridical person, but as regards their operation, their treatment is equal to a subsidiary, which is in line with Article XXVIII para.(g) of the GATS.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*All other requirements of laws and regulations regarding entry, stay, work and social security measures shall continue to apply, including regulations concerning period of stay, minimum wages as well as collective wage agreements.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　*An "intra-corporate transferee" is defined as a natural person working within a juridical person, other than a non-profit making organisation, established in the territory of a WTO Member, and being temporarily transferred in the context of the provision of a service through commercial presence in the territory of the Republic of Slovenia; the juridical persons concerned must have their principal place of business in the territory of a WTO Member and the transfer must be to an establishment of that that juridical person, effectively providing like services in the territory of the Republic of Slovenia.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Besides the amount of the capital the Bank of Slovenia shall, when considering issuing an unlimited or a limited banking licence also take into account the following guidelines (for both domestic and foreign applicants):


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　- the national-economic preferences for certain banking activities;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　- the existing regional coverage of the Republic of Slovenia by banks;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　- the actual bank's performance of activities compared to those stipulated by the existing licence.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(Remark: this provision shall be abolished upon the adoption of the new law on Banking.)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SOUTH AFRICA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SRI LANKA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* This part of the schedule deals only with Section B. Section A which covers insurance and insurance related services is contained in a separate part of the schedule.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SWITZERLAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English and French only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* Not only transactions indicated in paragraph B.3 of the "Understanding" but the whole range of banking and other financial services transactions are covered (excluding insurance).


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　SWITZERLAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English and French only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　THAILAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 IBF units permitted to operate only the banking and investment banking business as specified in the Ministerial Order issued on 16 September 1992, and Notification of the Bank of Thailand dated 14 December 1993.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　THAILAND


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　The text of the Financial Services section is deleted.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　TURKEY


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* According to the Capital Market Law, capital market institutions are specified as follows:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(a) Securities Intermediary Institutions.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(b) Investment Corporations.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(c) Mutual Funds.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(d) Other capital market institutions permitted to operate in the capital market such as clearing and custodial houses, rating and auditing institutions, etc.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* This is a new financial service.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　* This is a new financial service.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　TURKEY


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　This text replaces the Financial Services section.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　UNITED STATES OF AMERICA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　Schedule of Specific Commitments


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 For transparency purposes, it should be noted that brokerage firms can generally offer services in most states by obtaining licenses as "brokers" and in other states by obtaining licenses to operate as "agents". Brokerage licenses are not issued in Florida, Iowa, Kentucky, Michigan, Minnesota, Mississippi, Oregon, Tennessee, Texas, Virginia, West Virginia, Wisconsin.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 Foreign banking organizations are generally subject to geographic and other limitations in the United States on a national treatment basis. Where such limitations do not conform to national treatment, they have been reserved as market access restrictions. For purposes of illustration, under this approach, the following situation does not accord national treatment and would therefore be scheduled as a limitation: a foreign bank from a particular home state is accorded less favourable treatment than that accorded to a domestic bank from that state with respect to expansion by branching.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
2 For example, partnerships and sole proprietorships are generally not acceptable juridical forms for depository financial institutions in the United States.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 The limitations in this paragraph reflect state reciprocity measures.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1 The limitations in this paragraph reflect state reciprocity measures.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ATTACHMENT TO THE UNITED STATES SCHEDULE 


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ADDITIONAL COMMITMENTS PAPER 1


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(a) Taking note of principles of federalism under the United States Constitution, recognizing that insurance has been regulated at the state government level since the beginning of insurance regulation in the United States, and further recognizing the provision of the McCarran-Ferguson Act that "[t]he business of insurance...shall be subject to the laws of the several States," the Government of the United States welcomes efforts by the National Association of Insurance Commissioners ("NAIC") to promote the harmonization of state insurance regulation, through such steps as its Accreditation Program and the preparation of model insurance laws.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(b) The Government of the United States notes that under Accreditation Program, the NAIC selects an independent team of auditors of review the compliance of states with the laws, regulation, and regulatory and organizational practices contained in the NAIC accreditation standards. The team reports to the NAIC, which determines whether a state qualifies for accredited by the NAIC through this program.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(c) The Government of the United States notes that NAIC Model Laws are designed to facilitate legislative and regulatory action on common problems among the states and are intended to save duplication of effort on the part of the states. Some models are adopted by all or most of the states, so there is a harmonizing effect. Some models serve as guidelines which the states may adopt, utilize or amend to fit their individual needs. Certain models have been identified as being of such import that their adoption is necessary for states to be accredited pursuant to NAIC financial regulation standards.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(d) The Government of the United States encourages the NAIC to continue its effort to work with state governments on these programs.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(e) Recognizing principles of federalism, the long history of state regulation of insurance in the United States, and the McCarran-Ferguson Act, and noting the concerns of regulators who seek to further increase internationalization of their insurance markets while addressing prudential concerns, the Government of the United States:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(i) welcomes that the NAIC in October 1993 adopted a model law on the initial entry of non-U.S. insurance providers without their establishment in another state, and the Government of the United Stances encourages the NAIC to continue and as appropriate intensify its efforts with relevant state authorities with regard to this issue;


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(ii) would welcome consideration by the NAIC, if appropriate, of the issue of the time period for review of licensing applications of insurance providers, from the perspective that regulatory authorities should make administrative decisions on completed applications of insurance providers within a reasonable time; and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(iii) welcomes efforts by the NAIC to review with the states the question of citizenship requirements for the boards of directors of foreign insurance providers, and the Government of the United States encourages the NAIC to continue and as appropriate intensify its efforts with relevant state authorities within regard to this issue.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(f) The Government of the United States notes the concern raised by another Member that different state regulations for foreign insurance providers on lines of products permitted, trusteed assets requirements, deposit requirements, remittance ceiling and reinsurance trust funds affect foreign insurance providers' ability to enter the insurance market of the United States.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ATTACHMENT TO THE UNITED STATES SCHEDULE 


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　ADDITIONAL COMMITMENTS PAPER II


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(1) The Administration has expressed its support for Glass-Steagall reform on a national treatment basis and will work with Congress to achieve an appropriate framework to accomplish this objective.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(2) The Administration, noting that even before the adoption of the Riegle-Neal banking legislation, many states had taken action to liberalize interstate acquisitions of banks on a basis that provided national treatment to foreign banks, welcomes further initiatives by states to provide additional access on a non-discriminatory basis.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(3) The Government of the United States has taken action to remove impediments to the offering of securities in the United States by foreign and domestic issuers. The National Securities Markets Improvement Act of 1996 preempts state regulation of offerings of certain securities, including those listed on the New York Stock Exchange, the National Association of Securities Dealers Automated Quotation/National Market System, and securities issued by registered investment companies. This legislation eliminates duplicative state and federal securities legislation in the area of securities registration.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(4) Section 7 (d) of the Investment Company Act authorizes the SEC to permit a foreign investment company to register and publicly offer its shares in the United States if the SEC makes the following prudential findings:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
1. that it is both legally and practically feasible for the SEC and U.S. investors effectively to enforce the provisions of the Investment Company Act against the investment company, and


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
2. that it is consistent with the requirements set forth in the Investment Company Act.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
(5) The Government of the United States notes that the Federal Reserve, working in cooperation with other domestic supervisory authorities, has established an enhanced framework for the regulation and supervision of U.S. operations of foreign banks, which endeavors to coordinate annual examinations of foreign banks and provide uniform guidance with respect to examination polices.


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　UNITED STATES OF AMERICA


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　List of Article II (MFN) Exemptions


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　(This is authentic in English only)


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								

							

						

						

					

					
						
					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Australia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Austria:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the State of Bahrain:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Belgium:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Bolivia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Federative Republic of Brazil:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Bulgaria:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Canada:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Chile:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Colombia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Costa Rica:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Cyprus:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Czech Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Denmark:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Dominican Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Ecuador:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Arab Republic of Egypt:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of El Salvador:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the European Community:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Finland:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the French Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Federal Republic of Germany:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Ghana:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Hellenic Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Honduras:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Hong Kong, China:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Hungary:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Iceland:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of India:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Indonesia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Ireland:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the State of Israel:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Italian Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Jamaica:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Japan:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Kenya:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Korea:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the State of Kuwait:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Grand Duchy of Luxembourg:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Macau:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Malaysia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Malta:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Mauritius:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the United Mexican States:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of the Netherlands:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For New Zealand:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Nicaragua:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Federal Republic of Nigeria:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Norway:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Islamic Republic of Pakistan:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Peru:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of the Philippines:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Poland:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Portuguese Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For Romania:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Senegal:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Singapore:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Slovak Republic:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Slovenia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of South Africa:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Spain:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Democratic Socialist Republic of Sri Lanka:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Sweden:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Swiss Confederation:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Kingdom of Thailand:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Tunisia:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Turkey:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the United Kingdom of Great Britain and Northern Ireland:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the United States of America:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Eastern Republic of Uruguay:


							

						

						

					

					
				
			
		
			
			
				
				

				
				
				
					

						

							

								

							

						

						

							

								
　For the Republic of Venezuela: