Dear Valued Client, We would like to inform you of changes that we have made to our Cyprus branch Banking General Conditions and e-Banking Special Conditions. We have made these changes as part of a general review of our terms and conditions and to set out for the benefit of our customers the changes resulting from the Payment Services Law of 2009 (the “Law”) which came into force on 27 November 2009. The Law incorporates provisions of the European Union Directive 2007/64/EC on payment services into Cyprus law. We have already taken steps to give effect to those provisions of the Law that require changes to the services we provide.
このたび、Cyprus支店銀行一般条項(Cyprus branch Banking General Condition)とe-Banking特別条項(e-Banking Special Condition)になされた変更についてお知らせいたします。 我々はこの変更を、我々の契約条項の全般的な見直しの一部として行いました。これはお客様への利益と、2009年11月27日に施行された、支払いサービス法(「法律」)による変化に対処するために行われました。この法律は、支払いサービスにおけるEU指令-2007/64/ECの条項を、Cyprus法へ組み入れたものです。我々はすでに、我々の提供するサービスに変更を要求する、この法律の条項に対処するステップをとっております。
The Law applies to the following services provided by the Bank: -Deposits and withdrawals; -Execution of credit transfers; -Execution of standing orders, and where available, direct debits.
The Law does not apply to loan accounts, fixed term deposit accounts and notice accounts where more than 7 days notice is required for withdrawals.
The Law introduces changes in a number of areas, particularly with regard to consumers and small enterprises, including terms and conditions relating to: -execution times, correct authorisation, receipt of payment instructions, and revocation of payment instructions; -value dating for transactions; information that the bank must provide to customers; -changes and termination to the contract with a customer; -rectification of mistakes and liability for unauthorised transactions.
The revised Banking General Conditions and e-Banking Special Conditions are available on our website, www.fbme.com.
We strongly recommend that you read these documents carefully and retain a copy for your reference. If you should require a hard-copy please contact our Customer Service department who will arrange for a copy to be mailed to you without charge. The changes to our Banking General Conditions, and where relevant our e-Banking Special Conditions, will apply and bind you in respect of your relevant account(s) unless you contact us to express your disagreement and intention to terminate your existing agreement with us in respect of such account(s) within two months of the date of this letter. Our Customer Service department is available to assist you with any further information you may require.
