Regulations
Closed Cash Withdrawals
Warsaw, November 2013
Table of Contents
1. General Provisions ...3
2. Withdrawals Made at the Bank’s Cash Desks ...4
3. Withdrawals Made through a Transport Company ...4
4. Withdrawals Made at the Sorting Facility ...5
5. Final Provisions ...5
Appendices: 1. Declaration
4/9
§10.
1. The Bank undertakes to ensure that the cash packs will be prepared and packed, under a withdrawal instruction, by a commission (i.e. by at least two persons acting jointly). 2. The Bank undertakes to properly prepare the money, i.e. to ensure that the total amount of the withdrawal equals the amount of the withdrawal instruction and to issue the money to the person authorised by the Customer. 3. A copy of the withdrawal instruction is inserted in the money pack.§11.
1. The Bank is allowed to make one withdrawal in several packs. In such a case, the withdrawal instruction should contain the numbers of all the packs (and in the case of bags: the numbers of the bags and the numbers of the seals). 2. In the event that withdrawals are made in different currencies they shall be inserted in separate packs.§12.
1. The Customer shall be obliged to collect the withdrawal on the date specified in the withdrawal instruction. 2. A change of the withdrawal instruction by the Customer shall be deemed a new instruction that substitutes the previous instruction.§13.
The Customer undertakes to ensure that the package will be opened and the money will be counted by a commission (i.e. by at least two persons acting jointly).§14.
1. In the event that any irregularities arise (the amount of the withdrawal is inconsistent with the withdrawal instruction), the Customer shall draw up a written noncompliance report, in two copies, one for the Bank and one for the Customer. 2. The noncompliance report should include: 1/ forenames, surnames and signatures of the persons who participated in the counting of the cash and found the difference; 2/ date of receipt and counting of the withdrawal; 3/ type of noncompliance (shortfall or surplus); 4/ banknote denominations; 5/ noncompliance amount. 3. The report should include the components of the withdrawal packaging in which the noncompliance was found. 4. Any differences shall be compensated by debiting or crediting the Customer’s bank account from which the withdrawal was made.§15.
Any shortfalls reported by the Customer shall be accepted by the Bank if all of the following conditions are met: 1/ the shortfall is reported immediately (by delivering the noncompliance report to the Branch no later than on the next business day after the cash withdrawal); 2/ a surplus is found at the Bank or the Sorting Facility on the same day on which the Customer found a shortfall, 3/ the surplus is causally linked with the shortfall found by the Customer, 4/ the shortfall is found by persons acting jointly on behalf of the Customer and the claim has been submitted in writing.§16.
The Customer shall be responsible for the money from the moment of confirmation of withdrawal by the persons authorised to receive the money on the withdrawal instruction§17.
The Bank shall post any executed withdrawal by debiting the Customer’s bank accounts that are specified by the Customer in the withdrawal instruction.§18.
The activities related to the handling of closed withdrawals by the Bank may be conducted on by the Sorting Facility on behalf of the Bank (the details of the Sorting Facility are available at the Branch).2. Withdrawals Made at the Bank’s Cash Desks
§19.
1. If the Customer makes a withdrawal at the Bank’s cash desk, the person who collects the pack should collect it in an intact condition. 2. The person who collects the pack shall check whether the pack numbers comply with the numbers entered into the withdrawal instruction by the Branch employee and whether the security features of the pack are intact. 3. If the numbers are in compliance, the person who collects the pack shall sign the withdrawal instruction. 4. If it is found that the pack or seal on the pack (bag) is damaged, the person authorised to collect the money is obliged to refuse to accept it.3. Withdrawals Made through a Transport Company
5/9 1/ present an identity document, 2/ collect money in intact packs, 3/ check if pack numbers are in compliance with the withdrawal instruction, 4/ sign the original of the withdrawal instruction if in compliance, 5/ draw up an escorted delivery report, in two copies, one for the Customer and one for the transport company, 6/ deliver and handover the closed cash withdrawal to a person authorised by the Customer, as well as to notify the transport company of the transport company’s liability for entrusted money from when the transport company’s employee signs the withdrawal instruction to when the money is delivered to the specified location and the cash acceptance is signed by a person authorised by the Customer on the escorted delivery report. 2. If the pack or the seal on the pack (bag) is found to be damaged, the employee of the transport company is obliged to refuse to accept it. 3. The transport company shall deliver closed packs with descriptions to the place determined in the withdrawal instruction and hand over the packs to the person specified on the withdrawal instruction.
§22.
1. The Customer is obliged to accept, through an authorised employee, any pack that is in the intact condition at the place specified in the withdrawal instruction. 2. The person receiving the pack must check that the security features of the pack are intact.§23.
If the conditions set out in §21 and §22 are met, the person who is receiving the pack signs the escorted delivery report.§24.
1. If it is found that the pack or seal is damaged, the person authorised to collect the cash on behalf of the Customer will arrange that the pack is opened and the money is counted by a commission (i.e. at least two persons acting jointly) – together with the transport company. 2. The principles of liability of the transport company for any irregularities (when the amount of the cash delivered fails to comply with the withdrawal instruction) related to damage to the pack or seal are specified in §21 paragraph 1.§25.
In the event that any irregularities arise (the amount of the cash delivered fails to comply with the withdrawal instruction), the Customer shall draw up a noncompliance report, in three copies, one for the Bank, one for the Customer and one for the transport company, in accordance with paragraphs 2, 3 and 4 of §14.4. Withdrawals Made at the Sorting Facility
Appendix No. 1 to the Regulations on the closed cash withdrawals
DECLARATION
Customer’s name: ... Customer’s address: ...
We hereby declare that we have signed an agreement on cash transportation services with:
...
(name of the transport company*)
...
(address of the transport company*)
For Closed Cash Deposits**):
List of security guards authorised to make the closed cash deposit (forename and surname, ID card number, ID number, photograph and specimen signature): ... List of vehicles (make, colour, registration number): ...
For Closed Cash Withdrawals**):
List of security guards authorised to make the closed cash withdrawal (forename and surname, ID card number, ID number, photograph and specimen signature): ... List of vehicles (make, colour, registration number): ... List of persons authorised to make the closed cash withdrawal at the Bank’s Branch***):
...
(forename, surname, ID card number)
...
/company stamp and signatures of persons authorised to make declarations of will regarding the property rights and obligations on behalf of the Customer/
...
Place, date .../signature and name stamp of the Bank’s employee verifying the identity of the persons who signed this declaration/
*) If more than one transport company is used, please enter the names and addresses of all the companies. **) Delete as appropriate.
Appendix 2 to the Closed Cash Withdrawal Regulations
*) delete as appropriate
... ...
(Customer’s name) (place and date)
...
(Customer’s address)
...
(Contact telephone numbers)
CLOSED CASH WITHDRAWAL INSTRUCTION
We request a withdrawal through the Sorting Facility / at the Bank’s cash desk*) on (date) ... for the following company:
...
(Customer’s name and address)
the amount: ... currency: ... in words: ... from account no. ...
(Customer’s account number)
according to the following specification*):
Units Denomination Value
Total
The following person from the transport company*) is authorised to collect the money at the Sorting Facility / Bank’s cash desk*):
...
(forename and surname, ID card number)
Place of delivery of the money by the transport company*) ...
The following person is authorised to collect the money on behalf of the Customer:
...
(forename and surname, ID card number)
...
(Customer’s seal and signature in accordance with the Specimen Signature Card)
The specimen signatures have been verified:
...
mBank.pl
mBank S.A., ul. Senatorska 18, 00-950 Warszawa, entered in the commercial register of the National Court Register kept by the District Court for the Capital City of Warsaw, 12th Commercial Division, under KRS 0000025237, Tax Identification Number (NIP): 526-021-50-88, with its fully paid-up share capital amounting to PLN 168,555,904 as at 1 January 2013.Appendix 2 to the Closed Cash Withdrawal Regulations
Instruction accepted for execution:
The money in the above amount has been inserted to packs, nos.: ...
(pack numbers)
...
(signatures and name stamps of the employee preparing the withdrawal)
...
(signatures and name stamps of the employee handing over the withdrawal)
I have received the pack intact
...
(forename and surname, ID card number of the person authorised to collect the money)
...
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