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Establishment of Correspondent RelationshipLetter 1(Letter from a Foreign Bank Suggesting the Establishment of Correspondent Relationship)We are a bank recently incorporated and established in the CCC Republic, wholly owned by citizens of the CCC Republic. We commenced our operation on Sept. 7, 1965 with a capital of US$ 10,000,000.00 fully paid.We have been receiving a number of requests from our customers to open irrevocable letters of credit orto make remittances by mail and by cable in favour of beneficiaries in China. Until now we have been advising these transactions to you through our London correspondent, DEF Bank Ltd. , who has been acting as our reimbursing bank. Accordingly, it has long been our intention to establish direct correspondent relations with you in order to facilitate the handling of the above-mentioned transactions. Should this be agreeable to you, we will arrange for our Authorized Signatures and Telegraphic Test Key to be forwarded to you. We should be grateful if you would inform us too of the names of the banks to whom you would want us to remit the cover for our transactions, particularly for those expressed in Pound Sterling, U. S. dollars and Swiss francs.In order to acquaint you with theactivities of our bank, we enclose our report and balance sheet for the year ending on December 31, 1993.We look forward to hearing from you in this regard.Letter 2(Favourable Reply to the Suggestion Made in Letter 1)We have received your letter dated. . . , the contents of which have been given our fullest attention.We find your suggestion very opportune, as, owing to the increasing volume of business you have since directed to us, we, too, have lately been considering the question of receiving your credits without the intermediary of DEF Bank Ltd. in London. We shall, therefore, be very much delighted to have your control documents. Pleaseforward directly to us your credits and remittances, which, we assure you, will be well attended to.We are also much pleased to give you the information you asked for in the letter under reply. Our main correspondents abroad to whom your cover for transactions may be remitted can be found in a list which is enclosed herewith. As some of them are also your correspondents, we hope there will be no difficulty for you to ask them to act as the reimbursing banks of your letters of credit and in case the amount of a credit exceeds £5000.00 or its counter value in other currency, to add their confirmation undertaking to honour our claims.We suggest that the stipulation regarding the reimbursement of our negotiation be the same as that in existence, that is, we are authorized toclaim the amount of our negotiation as well as our charges from the reimbursing bank with a statement certifying that all terms and conditions of the credit have been complied with and that the relative documents have been disposed of as required.We think that the arrangement we are making will materially assist in the development of the business intercourse between our two banks, and with this hope, we take pleasure in sending you herewith a copy of our schedule of terms and conditions.We hope to hear from you soon.Letter 3(Tactfully Refusing the Suggestion Made in Letter 1)We are pleased in having your letter dated . . . Regarding theestablishment of direct business relations, we should like to postpone the discussion of the matter to a later date when the volume of business between our two countries necessitates such an arrangement, for we are inclined to think that the present procedure of directing your transactions to us through DEF Bank Ltd. in London can serve the purpose quite well, at least for the time being. However, when the need arises, we shall not fail to revert to the subject as we are much impressed with the information given by you concerning the financial means and the scope of service of your bank.Correspondent ArrangementsbetweenThe Sichuan DevelopmentBankandThe Tokkai Bank, Ltd.I. Offices concerned.The Sichuan Development BankHead Office (Chengdu), PanzihuaThe Tokkai Bank, Ltd.Head Office (Tokyo), Osaka, Hong Kong II. Control Documents.Offices concerned of both parties shall be mutually supplied with Specimen of Authorized Signatures, Schedule of Terms and Conditions, Specimen of Demand Draft and also with the Telegraphic Test Keys of The Tokkai Bank, Ltd.S. W. I. F. T. Authenticator Key(s) shall be arranged if mutually agreed.III. Main Intermediary BanksBoth parties shall exchange the list of reimbursing intermediaries of main currenciesfor the reimbursement of transactions through the offices concerned. (Details as per attached sheets)IV. Reciprocal Transactions1. Remittances1) Each party may make remittances to the other party by "Mail Transfer" (M/T) or "Telegraphic Transfer" (T/T) or by means of S. W. I. F. T., and may draw "Demand Draft" (D/D) on the other party.2) In reimbursement, each party shall advise the other party that the cover was credited to the latter's account maintained with an intermediary bank. In the case of "T/T" or S. W. I. F. T., each party shall advise the other party by telex or S. W. I. F. T. that the cover was paid in the same manner as above.2. Collections1) Each party may send their collection items to the other party with the instructions to credit the proceeds to the account of theremitting bank maintained with the intermediary bank.2) Collections sent from both parties shall be subject to the "Uniform Rules for Collection (1978 Revision) International Chamber of Commerce Publication No. 322" or its revision.3. Commercial Letters of Credit1) Each party may issue Commercial Letters of Credit directly on any of the offices concerned included in the arrangement subject to the Uniform Customs and Practice for Documentary Credits (1993 Revision), International Chamber of Commerce Publication No. 500.2) Appropriate instructions shall be embodied in each Letter of Credit advice with regard to reimbursement.Place:Place:Date:Date:The Tokkai Bank, Ltd. The Sichuan Development BankAuthorized Signature Authorized SignatureName:Name:Title:Title:Credit Inquiries & InformationLetter 1(Letter from an exporter Asking for References)We are very pleased to receive your order for our goods to the value of US$ 20,000.00. As this is our first transaction with you, would you kindly send us the names of firms or a bank to whomreference can be made?As soon as these inquiries have been satisfactorily settled, we shall be pleased to send your order. We sincerely hope that this is the beginning of a long and pleasant business relation. We shall certainly do our best to realize it.Letter 2(Letter from an Exporter to a Bank Asking for Credit Reference)We would like you to inquire into the financial and credit status of a firm in Turin on our behalf.The firm is A. L. Ciano, and they are distributors of spare parts for cars. Their banker' s reference is the Banco di Santo Spirito, of 137 Via Napolitano, Turin. We would like you to inquire into their general financial reliability. In particular, their trade with us will involve a sum of Stg. £15,000initially, and perhaps a monthly credit of Stg. £5000 will be required.We would like to know if this credit is justified in view of their record in meeting payment dates. Is there a record of bad debts? We need to know this if we are to extend credit to them.Letter 3(Letter from Bank to Bank Asking for Credit Information)We have been asked by the Sales Division of British United Motor Corporation to write to you regarding the credit status of one of your clients.The client is A. L. Ciano, distributors, and the credit is for Stg. £15,000 initially, perhaps followed by a monthly credit of Stg. £5000. The trade is in sparking plug and electrical points system.We should be obliged if you would letus know if the company is reliable in repaying debts, and also if they pay promptly. A general indication as to whether you think the amount of the credit is justified will be sufficient.We would also appreciate any information you may be able to give us about sums advanced in credit to Ciano in the past.Letter 4(Favourable Reply from Bank to Bank)Re : Credit InformationIn reply to your letter of . . . , we are writing to say that we have been dealing with A. L. Ciano for almost ten years.Their trade in electrical components for automobile engines is large and quite well-known throughout the North of Italy. Their sales figures are large and increasing, and the sums you mentioned in your letter are not large in relation to their total turnover.We have advanced credit to them in the past, and we would have no hesitation in issuing irrevocable credit for the sums you mentioned.Letter 5(Letter from a Client to a Bank Enquiring Credit Information)We are going to execute a considerable order from West African Import/Export Co., P. O. Box . . . , Accra, Ghana. We should highly appreciate it if you would inform us, in confidence, of the financial and business standing of the above firm.The reference they have given us is the Standard Chartered Bank, Accra Branch. Please approach the said bank for all possible information we require.Any information you may give will be treated as strictly confidential and without any responsibility on your part.Thank you in advance.Letter 6(Favourable Reply to Letter 5)Credit InformationIn reply to your letter of . . . , we are pleased to inform you that we have now received from our correspondent bank in Accra, Ghana the information you require.The firm in question was established in 1958 with a capital of high 5 figures. Their chief line is an importer and wholesaler here for bicycles.They have been dealing with us for about 20 years. And the business with them is satisfactory. At the present, they are doing an active business.They are a first class business firm and of thoroughly sound financial standing. Youwill find your dealing with them not only entirely satisfactory financially, but also agreeable personally.This information is supplied in strictly confidential and is given without any responsibility on this bank.Letter 9(Letter Replying to Credit Inquiry)We are pleased to enclose credit report on the captioned company, relative to which you inquired in your letter of . . .This is given to you in strict confidence and will, we trust, serve your purpose.Credit Report on XXX Co., Ltd.We are informed:"Registered as a limited company in March 1947. Capital US$2,000,000.00. General importers and exporters, commissionagents, manufacturers' representatives, wholesalers and retailers. Main imports: Machinery, tools, electrical goods and sundries. Exports: Timber tin, hides and other produce of Thailand.We finance their export and import business to some extent and find that they meet their obligations promptly.We believe that business transactions with this firm will prove satisfactory. In the meantime we consider them good for small business engagements. Larger transactions should be covered by Letters of Credit opened by banks.AccountingLetter 1A SF Account to Be Opened with You by Our BranchWe would inform you that our ChengduBranch wish to open with you in the name of their Foreign Exchange Department (Forex Dept) a Swiss Franc Dealing Special Account (briefly called "Special Account"). Outlined hereunder for your study are our proposed arrangement for operating the account:1. The Special Account is to be used for recording foreign exchange dealings, payment and receipt under fixed interbank loans and exchange dealings conducted on behalf of customers. Other receipts/payments in connection with such transactions as import/export L/ Cs, collections and remittances shall still be booked into our SF Account No.AS02hj56 in your books. What should be emphasized is that items must not be cross-entered between the Special Account of our Chengdu Branch and the account of this Head Office.2. Forex Dept. shall be responsible for the management of the account balance and the replenishment of funds to the Special Account.You are requested to inform Forex Dept. of our Chengdu Branch by telex of the daily closing balance on the Special Account at the opening of each business day. Whenever the Special Account is overdrawn, replenishment is to be made by Forex Dept. In case interbank financing is required, our Chengdu Branch will approach you direct under advice to us. 3. When the credit balance in the Special Account exceeds SF 1,000,000, interest shall be computed on the exceeding portion at your credit rate applicable to the two-day (48 hours) call deposit account. In case of a temporary overdraft on the Special Account owing to delay in mail transit, interest shall be charged at the credit rate plus 1%. Interest shall be calculated on a quarterly basis with a statement sent to the Forex Dept. of our Chengdu Branch indicating items in order of their value dates.4. Supply of Advices & Account Statements for each item booked into the Special Account,you shall make out an advice in duplicate, indicating thereon the number of the Special Account and the reference. The reference number for forex dealings shall be fixed by Forex Dept. of our Chengdu Branch according to the number system as set forth by this Head Office and notified to you with a copy to this Head Office.The original debit / credit advice (including that by cable / telex, or through SWIFT) shall be addressed to Forex Dept., Chengdu Branch, China Everbright Bank with the duplicate (including photocopy of your relevant cable/telex or SWIFT message) to be enclosed with your daily account statement for verification.5. After receipt of your statement of account, our Chengdu Branch shall at any time inquire by telex of you about erroneous, omitted or duplicated items, if any. You shall give a telex reply without delay. They will confirm the correctness of your last statement of eachmonth within 20 days after its receipt.6.You shall give a prompt reply to the inquiry generally within 3-7 days. For an important and urgent case, reply by telex is required. Any economic loss on the inquiring side caused by the delayed reply from the inquired side shall be borne by the inquired side.7.To avoid possible cross entries between their and our account, each credit or debit authorization, either by airmail or by telex, in connection with the Special Account shall expressly indicate the number of the Special Account. If Forex Dept. Chengdu Branch fails to give the account number in their order, you shall have their confirmation before execution. When an item was found cross-entered, the said dept. shall be responsible for advising you to make necessary adjustment and interest compensation for that individual item.Please study the foregoing and confirm in writing, informing us of the account number so that an initial deposit can be remitted to you and our Chengdu Branch be notified to operate their Special Account.Thank you for your friendly cooperation.Letter 2Our U. S. Dollar AccountWe are pleased to refer to your letter of August 12, 2005 regarding the transfer of our U.S. dollar account from your Seattle Branch to your Head Office in Toronto. We have carefully studied your proposed conditions therein and discussed the matter with Mr.John Grant., your Group Head, and Mr.Bill Wallace, your resident representative in a friendly way. We agree to close our U.S. dollar account with your Seattle Branch and reopen a new one with your Head Office in Toronto under thefollowing conditions:1. Interest shall be computed on all credit balances on our U.S. dollar account.2. The credit interest is to be computed at the U.S. prime interest rate minus 1%. In case of temporary overdraft, interest shall be charged at the U.S. prime rate plus 1 %.3. Interest shall be computed on a monthly basis, with the first date of the next interest period as the value date. Your statement of interest should indicate all credit and debit balances in order of their value dates and shall be sent to this Head Office along with your relative advices.4. The supply of advices and bank statement:A credit / debit advice shall be made out in duplicate for each item passing through our account with the original including cable / telex, SWIFT message to be sent to our branch concerned and a copy attached to your daily statement of account to this Head Office.Within 20 days after receipt of your last statement of account for each month, we shall confirm the account balance to you and point out discrepancies, if any.5. Both banks shall collect charges on each other according to their respective tariff and shall waive those in connection with the operation of the account, including inquiries and replies.6. An inquiry shall be answered within 3-7 days. As for important or urgent matter, cable /telex should be applied in replying to the inquirer. Should the inquired side fail to do so, it shall bear the economic loss incurred on the other side because of the delay.7. If you agree to the above, credit balance on our U.S. dollar account with your Seattle Branch shall be transferred to the new U.S. dollar account with your Head Office in Toronto on ... 19... Outstanding items, if any, under the former account with your SeattleBranch shall be sealed through our U.S. dollar account with your Head Office in Toronto.While awaiting your confirmation, we wish for friendly cooperation between both banks.cc: your Rep. OfficeBeijingSpecimens of L/CLetter of Credit 1THE MITSUI BANK, LIMITEDTOKYO, JAPANCABLE ADDRESS This is a confirmationMITSUIBANK of the documentary creditTELEX:J22378 opened by cable under today's dateIRREVOCABLE CREDIT NO. Z1234 To: China National Cereals, Tokyo, June 12,1987Oils and Foodstuffs Imp. Advised by cableand Exp. Corporation, through:Fujian Branch, Bank of China, FuzhouFuzhou, China China"This Credit is transferable. "Dear Sirs,We hereby open our Irrevocable this credit in your favour for account of XXX and Co., Ltd., Yokohama for a sum or sums not exceeding a total of RMB27,500. 00(Say Renminbi Twenty Seven Thousand Five Hundred Only).Available by your drafts at . . . sight induplicate for 100% of invoice value drawn on ourselves to be accompanied by the following documents.1. Commercial Invoice, duly signed, in 3 copies, indicating Import Declaration No. ID(5)L(4) -00789.2. Full set of clean on board ocean Bills of Lading made out to order and blank endorsed, marked "Freight Prepaid", notify accountee.3. Marine Insurance Policy or Certificate in duplicate, endorsed in blank for 110% of the invoice value, stipulating claims, if any, to be payable in Japan in currency of the drafts. Insurance must include: Ocean Marine Cargo Clauses(W. A.) of P. I. C.C. (1/1/81).4. Inspection Certificate of Weight and Quality issued by China Commodity Inspection Bureau in 3 copies.Special Instructions:Stale Bills of Lading are acceptable.Charter Party Bills of Lading are acceptable.Beneficiary's Statement attesting that one set non-negotiable copies of Shipping Documents has been airmailed directly to the accountee immediately after shipment is required.Evidencing shipment from Chinese ports to Yokohama of 500 cases/cartons of canned goods (Water Bamboo Shoots), 1st/2nd grade 50% up, details as per buyer's Contract No.SF872543, CIF Yokohama. Partial shipments are not permitted. Transhipment is permitted. Shipment must be effected not later than August 15,1987. Drafts must be presented for negotiation not later than August 30, 1987.All drafts drawn hereunder must indicate the credit number and date of issue and name of the issuing bank.The amount of any draft drawn underthis credit must be endorsed on the reverse hereof by the negotiating bank.We engage with the drawers, endorsers and bona fide holders of drafts drawn under and in compliance with the terms of the credit that the same shall be duly honored on due presentation and delivery of documents to the drawee.PROVISIONS APPLICABLE TO THIS CREDIT"Subject to Uniform Customs and Practice for Documentary Credits (1983 Revision), International Chamber of Commerce, Publication No. 400.Upon receipt of the shipping documents, we shall authorize Bank of China, Head Office, Beijing to debit our "Renminbi" account with them.Yours very truly,for the Mitsui Bank, LimitedOperation Centre, InternationalBusiness Dept.Assistant-Manager Letter of Credit 2ORIGINAL FOR HANG SENG BANK LIMITEDBENEFICIARY KOWLOON MAIN BRANCH618 NATHAN ROAD DATE OF ISSUEKOWLOON, HONG KONG 25 November 1994 IRREVOCABLE DOCUMENTARY CREDIT NUMBER KMS342723This documentary credit confirms our teletransmission of same date.Gentlemen:We hereby issue this irrevocabledocumentary credit in your favour which is available by your draft(s) drawn in duplicate at sight on us for full invoice value bearing the clause "Drawn under Hang Seng Bank Ltd. , Hong Kong documentary credit No. (as above stated)" accompanied by the following documents:+ Signed commercial invoice at least in quadruplicate.+ 1/3 signed original clean "'On Board" marine bill of lading made out to order and blank endorsed, marked with this credit number "Freight prepaid" and "Notify: the applicant (full name and address as specified in this credit).+ Insurance policy or certificate in negotiable form, in duplicate endorsed to the order of Hang Seng Bank Ltd., Hong Kong for full CIF value plus at least 10 percent covering Ocean Marine Cargo Clauses (All Risks), Ocean Marine Cargo War Risk Clauses andStrikes Clauses of the People's Insurance Co. of China with claims payable at destination in the currency of drafts irrespective of percentage. In case of containerized shipment, insurance policy or certificate must state that the risks of jettison and/or washing overboard have been included.+ Beneficiary's certificate to the effect that :(1)one set of non-negotiable copies of shipping documents has been airmailed direct to the applicant within two days after shipment.(2)shipment details including the name of carrying vessel, voyage number, sailing date, total invoice value, total quantity and number of cartons shipped, volume/gross weight/net weight of each item, bills of lading number and the number of this documentary credit have been sent by facsimile to the applicant(Facsimile No. . . . Attn: Ms LauraHo) within 3 days after shipment.(3)2 sets of production samples have been sent by courier to the applicant within 2 weeks before shipment.(4)the wording "MADE IN CHINA" have been stuck or printed on each product.(5)the goods have been packed as assortment(assorted item) in each carton.(6)2/3 signed original bills of lading has been sent by DHL to the applicant within 7 days after shipment.+ Inspection certificate issued by beneficiary stating that the goods are in good condition.+ Packing list and weight list in quadruplicate.GOODS:+ 10800 Sets Satin Hangers, Item No. CH1101 2/S, at US$0.38 per set, as per Contract No. 94AN-139 dated 12 Nov. 1994.CIF C5pct Hong KongADDITIONAL CONDITIONS:+ On board notation on bills of lading must be signed or initialed by the carrier or its agent.+ If goods are subject to transhipment, the name of the on-carrying vessel must be shown on the bills of lading.+ If goods are subject to transhipment, insurance policy or certificate must state that the risks of loss and/or damage due to transhipment have been included.+ Invoice amount to show a deduction of 5 pct being commission.+ Documents to show shipping mark as follows:H3-310SATIN HANGERQTY. 72 STP/O: 102720MADE IN CHINA+ Documents must be presented for negotiation within 15 days after shipment but within the validity of this credit.All banking charges outside Hong Kong, including advising and negotiation commission, are for the account of beneficiary.INSTRUCTIONS TO NEGOTIATING BANK:+ The amount of each drawing under this credit must be endorsed by the negotiating bank on the reverse hereof.+ Documents must be despatched to us by registered airmail in one cover.+ We shall remit the face amount of the draft to the negotiating bank upon receipt ofthe relative documents conforming to the terms of this credit.We hereby engage with the drawers, endorsers and bona fide holders of draft (s) drawn under and in compliance with the terms of the credit that such draft(s) shall be duly honoured on due presentation and delivery of documents as specified.This letter of credit is subject to Uniform Customs and Practice for Documentary Credits (1993 Revision), International Chamber of Commerce Publication No. 500.Sincerely yours,for Hang Seng Bank LimitedAuthorized Signatures。